Patent ID: 8201729

Claim:
Apparatus comprising: a terminal, wherein the terminal includes at least one reader, wherein the at least one reader is operative to read record data from user associated data bearing records, wherein the record data on each data bearing record corresponds to at least one of an individual and a financial account, wherein the terminal includes at least one output device, wherein the terminal includes at least one input device, at least one computer; wherein the at least one computer is in operative connection with the at least one reader, the at least one output device, and the at least one input device, wherein the terminal is operative to read first record data from a first data bearing record associated with a user through operation of the at least one reader, and receive through the at least one input device at least one first input corresponding to a first user desired financial transaction, wherein the at least one computer is operative responsive at least in part to the first record data and the at least one first input, to cause the at least one output device to provide at least one output corresponding to at least one of a first location at a facility where the terminal is located where the first user desired financial transaction can be conducted, wherein the first location is away from the terminal, and a waiting location at the facility away from the terminal, wherein the at least one computer is operative to cause first transaction data corresponding to at least a portion of the first record data and the at least one first input, to be sent toward a portable terminal configured to be carried by a facility employee.