Funding on-line accounts

A method of funding an on-line account, comprising:

• receiving a value deposit from a user;
• providing, by a processor, the user with a unique identifier associated with the value deposit;
• and
• communicating, by the processor, information about the value deposit to an on-line payment provider, wherein an on-line account of the user with the payment provider is funded on-line with a cash equivalent of the value deposit amount when the unique identifier is validated by the on-line payment provider.

A method of funding an on-line account, comprising:

• depositing a value item;
• receiving, from a processor, a unique identifier associated with the value item;
• accessing the on-line account with a payment provider;
• inputting the unique identifier;
• and
• receiving, from the processor, confirmation of a cash equivalent of the value item transferred on-line into the on-line account with the payment provider if the unique identifier matches a valid identifier stored with the payment provider.

A computer-readable medium containing instructions that cause a service provider facilitating financial transactions over a network to perform a method comprising:

• storing a first identifier corresponding to a value deposit from a user, wherein the first identifier includes information about the amount of the value deposit and is known to the user and a payment provider after the value deposit;
• determining whether a second identifier provided by a user matches the first identifier and is valid;
• and
• transferring on-line a cash equivalent of the value deposit to an account of the user with the payment provider if the second identifier matches the first identifier and is valid.