Patent ID: 8070055

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 and 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; a wireless communication device, wherein the wireless communication device is in operative connection with the at least one processor; wherein the at least one processor is operative to cause the wireless communication device to wirelessly communicate with at least one remote computer, wherein the communication includes sending data corresponding to at least a portion of the card data and at least a portion of the at least one identifying input to the at least one remote computer, and wherein the at least one communication is operative to cause a transfer of funds at least one of to and from the financial account.