A method of conveying monetary value between at least two parties, may utilize a computer system or a vending machine. A first party requests an amount of monetary value to be in one or more desired incremental monetary amounts, and provides a payment. A system administrator requests a personal identification number (PIN), which is associated, within an administrator database, with a Globally Unique Identifier (GUID) that is located on one or more QwikCash tickets, which are thereby activated, and thereafter issued to the first party. The GUID is machine scannable, and each QwikCash ticket may comprise a textual reference denoting its incremental monetary amount, and a textual reference identifying issuance of the PIN. The first party may use the PIN and remit the QwikCash ticket: to a second party, as a person-to-person monetary transfer; to a merchant for making a purchase; or to a bank ATM in exchange for cash.