A system for collecting, storing and forwarding account approval information to hosts and terminals performing transactions between each other, enabling an accountholder to authorize withdrawals and charges to his account by someone other than the accountholder which comprises an input terminal in which a source accountholder provides data indicating a source account at an institution from which funds will be paid, a cap value on the amount of the funds to be made available, authorization, and a secret code, all of which are transmitted to a trigger server which stores account information, authorization and secret code; and a requesting terminal at which the first person to enter the secret code is provided the source account approval information for a request for funds up to the cap limit to the institution in which the previously provided source account is maintained.