Patent ID: 8561889

Claim:
Apparatus comprising: a portable handheld terminal, including: a card reader, wherein the card reader is operative to read card data from at least one of a debit card or a credit card, wherein the card data corresponds to a financial account, at least one processor, wherein the at least one processor is in operative connection with the card reader, at least one memory, wherein the at least one memory is in operative connection with the at least one processor, wherein the at least one processor is operative to cause data corresponding to the card data to be stored in the at least one memory, at least one manual input device, wherein the at least one manual input device is operative to receive at least one identifying input from a terminal user, wherein the at least one identifying input has a predetermined relationship with the card data, and a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor; a plurality of automated banking machines, wherein each machine includes: a cash dispenser, a user interface, wherein the user interface includes at least one user input device, wherein the at least one input device is operative to receive input from a user of the machine, wherein the at least one input device includes a machine card reader, wherein the user interface includes at least one output device, wherein the at least one output device includes a display panel; at least one remote computer, wherein the at least one remote computer includes a transaction host computer of a banking system, wherein the transaction host computer is in operative connection with each of the plurality of automated banking machines, wherein the transaction host computer is operative to receive data responsive at least in part to operation of the wireless communication device, wherein the transaction host computer is operative to wirelessly receive data wirelessly communicated by the wireless communication device in at least one communication that is operative to cause a transfer of funds at least one of to or from the financial account, wherein the data corresponds to at least a portion of the card data and at least a portion of the at least one identifying input.