Banking system controlled responsive to data bearing records

Apparatus comprising:

• an automated banking machine, wherein the automated banking machine is operative responsive to data read from data bearing records to cause financial transfers, wherein the automated banking machine includes:
• a card reader, wherein the card reader is operative to read card information from user cards;
• and
• a cash dispenser,
• at least one computer,
• a virtual machine operative in the at least one computer, wherein the virtual machine includes software components that are operative to execute in the virtual machine, wherein at least one of the software components executing in the virtual machine is operative to cause the at least one computer to communicate with the card reader to cause the card reader to operate to return card information read from a user card to the at least one software component, wherein the at least one software component executing in the virtual machine is operative to receive communications from the card reader that include card information read from the user card.