an account record comprising an amount of money associated with a wireless device; and

a transmitter for wirelessly transmitting to said wireless device available cash information corresponding to said account record, representing cash that can be spent directly from said wireless device in a transaction, wherein said available cash information comprises account identification information, a security code and an available cash amount that may be spent in a transaction, wherein said account identification information corresponds to said account record, wherein said available cash amount corresponds to said amount of money deposited in said system in said account record, wherein said security code comprises a fixed code portion provided by a bank to confirm a deposit of said amount of money, wherein said available cash information is operable to enable authorization of said transaction.