Financial management services, namely the management of funds through a triparty agreement with a bank and a stored value cardholder, through use of stored value cards on an open loop network The management service includes a sales and managment function of stored value cards to the issuing bank, as well as the management of the funds for the cardholder in a unique manner that provides access to funds by third parties in the United States and abroad The main purpose of the service, is not the dispensing of money through automatic teller machines, but rather the management of funds such that funds can be accessed by another at such machines