Banking Terminal that Operates to Cause Financial Transfers Responsive to Data Bearing Records

Apparatus comprising:

• at least one remote computer,
• wherein the at least one remote computer is operative to wirelessly communicate with a wireless communication device of a portable handheld terminal that includes:
• 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 and the wireless communication device,
• 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, and
• 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;
• wherein the at least one remote computer is operative to wirelessly receive from the wireless communication device in at least one communication that is operative to cause a transfer of funds at least one of to and from the financial account, data corresponding to at least a portion of the card data and at least a portion of the at least one identifying input.

Apparatus comprising:

• at least one remote computer operative to carry out financial transfers involving financial accounts,
• wherein the at least one remote computer is operative to receive data wirelessly communicated from a wireless communication device of a portable handheld terminal that includes:
• at least one memory,
• wherein the at least one memory includes data corresponding to card data,
• wherein the card data corresponds to at least one financial account,
• at least one processor,
• wherein the at least one processor is in operative connection with the at least one memory and the wireless communication device,
• at least one manual input device,
• wherein the at least one manual input device is in operative connection with the at least one processor,
• wherein at least one manual input to the at least one manual input device is operative to cause the wireless communication device to wirelessly communicate the data corresponding to the card data in at least one communication to the at least one remote computer;
• wherein the at least one remote computer is operative to cause a financial transfer involving the at least one financial account, responsive at least in part to receiving the at least one communication wirelessly communicated by the wireless communication device responsive at least in part to the at least one manual input to the at least one manual input device.

Apparatus comprising:

• at least one remote computer operative to carry out financial transfers involving financial accounts,
• wherein the at least one remote computer is operative to receive data wirelessly communicated from a wireless communication device of a portable handheld terminal that includes:
• at least one input device,
• wherein the at least one input device is operative to receive card data corresponding to data included on at least one of a debit card and a credit card, wherein the card data corresponds to at least one financial account,
• at least one memory,
• at least one processor,
• wherein the at least one processor is in operative connection with the at least one input device, the at least one memory, and the wireless communication device,
• 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, and
• wherein the at least one processor is operative during a financial transaction involving the at least one remote computer, to cause the wireless communication device to wirelessly communicate at least a portion of the card data in at least one communication to the at least one remote computer,
• wherein the at least one remote computer is operative to receive the at least a portion of the card data in the at least one communication wirelessly communicated by the wireless communication device,
• wherein the at least one remote computer is operative responsive at least in part to receiving the at least one communication, to carry out a financial transaction that includes a financial transfer at least one of to and from the financial account.