Banking terminal that operates to cause financial transfers responsive to data bearing records

Apparatus comprising:

• a portable handheld device including a mobile communication device,
• wherein the portable handheld device is operable to communicate account indicia respectively corresponding to each of a plurality of card accounts, to a user card that includes card memory and a card magnetic stripe which differs from the card memory,
• wherein the portable handheld device includes at least one processor, at least one display device, and at least one user input device,
• wherein the processor is operable responsive at least in part to at least one read-indicia input to the at least one user input device, to cause the reading of:
• first account indicia from a magnetic stripe of a first card, wherein the first account indicia corresponds to a first card account, and
• second account indicia from a magnetic stripe of a second card, wherein the second account indicia corresponds to a second card account which is other than the first card account;
• wherein the processor is operable, responsive at least in part to at least one store-indicia input to the at least one user input device, to cause the portable handheld device to communicate to the user card:
• the first account indicia,
• wherein communication of the first account indicia to the user card causes the first account indicia to be stored in the card memory, and
• the second account indicia,
• wherein communication of the second account indicia to the user card causes the second account indicia to be stored in the card memory, which causes the card memory to include account indicia respectively corresponding to at least the first card account and the second card account,
• wherein the first account indicia when accessed from the card memory and placed on the card magnetic stripe, allows the user card to be used in place of the first card to carry out a financial transaction on the first card account, and
• wherein the second account indicia when accessed from the card memory and placed on the card magnetic stripe, allows the multi-account card to be used in place of the second card to carry out a financial transaction on the second card account.

Apparatus comprising:

• a portable handheld device,
• wherein the portable handheld device includes at least one processor, at least one display device, and at least one input device,
• wherein the at least one processor is operable responsive at least in part to at least one user input to the at least one input device, to allow the user to view through the at least one display device, any of a plurality of account designators that are stored in card memory of a multi-account card which includes a magnetic stripe that differs from the card memory,
• wherein each respective account designator is associated in the card memory with respective account indicia corresponding to a respective account,
• wherein a first account designator is associated in the card memory with first account indicia that corresponds to a first account,
• wherein a second account designator is associated in the card memory with second account indicia that corresponds to a second account,
• wherein the second account is other than the first account,
• wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, any account designator from the plurality of account designators,
• wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, the first account designator,
• wherein the at least one processor is configured to operate responsive at least in part to user selection of the first account designator, to modify the magnetic stripe to include the first account indicia,
• wherein the magnetic stripe as modified allows the first account indicia to be read from the magnetic stripe by a magnetic stripe reader during a financial transaction involving the first account,
• wherein the at least one processor is operable to allow the user to select through user input to the at least one input device, the second account designator,
• wherein the at least one processor is configured to operate responsive at least in part to user selection of the second account designator, to modify the magnetic stripe to include the second account indicia,
• wherein the magnetic stripe as modified allows the second account indicia to be read from the magnetic stripe by a magnetic stripe reader during a financial transaction involving the second account.

Apparatus comprising:

• at least one portable device,
• wherein the at least one portable device includes:
• a card,
• wherein the card includes memory,
• wherein the memory includes respective account data that respectively corresponds to each of a plurality of accounts,
• wherein the card includes a magnetic stripe,
• wherein the magnetic stripe is other than the memory,
• wherein the magnetic stripe is modifiable to respectively include different account indicia for different account data,
• wherein the magnetic stripe is modifiable to include first account indicia which corresponds to first account data,
• wherein the magnetic stripe is modifiable to change from including the first account indicia to including different account indicia which corresponds to different account data,
• at least one input device,
• wherein the at least one input device is operable to receive at least one user input that corresponds to user selection of one of the plurality of accounts,
• wherein each respective account is user selectable through the at least one input device,
• at least one data reader,
• wherein the at least one data reader is operable to obtain from the memory, account data which respectively corresponds to an account selected by a user,
• a magnetic stripe data modifier,
• wherein the magnetic stripe data modifier is operable to modify the magnetic stripe to include account indicia which respectively corresponds to account data obtained by the at least one data reader, and
• 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 data reader, and the magnetic stripe data modifier,
• wherein the at least one processor is configured to operate responsive at least in part to the at least one input device receiving at least one user input that corresponds to user selection of a respective account of the plurality of accounts, to:
• cause the at least one data reader to obtain from the memory, the respective account data which corresponds to the respective account selected through the at least one input device, and
• cause the magnetic stripe data modifier to modify the magnetic stripe to include respective account indicia which corresponds to the respective account data obtained by the at least one data reader.

Apparatus comprising:

• a portable handheld device,
• wherein the portable handheld device includes memory, at least one user input device, and at least one processor,
• wherein the portable handheld device is operable to place in the memory, respective account indicia which corresponds to a respective card account,
• wherein the portable handheld device is operable to place in the memory, first account indicia read from a first magnetic stripe of a first card associated with a first card account,
• wherein the first card with the first magnetic stripe including the first account indicia is usable to carry out a financial transaction on the first card account,
• wherein the portable handheld device is operable to place in the memory, second account indicia read from a second magnetic stripe of a second card associated with a second card account,
• wherein the second card with the second magnetic stripe including the second account indicia is usable to carry out a financial transaction on the second card account,
• wherein the portable handheld device is operable responsive at least in part to at least one user input to the at least one user input device, to access account indicia placed in the memory and then reconfigure a card magnetic stripe of a multi-account card to include the account indicia accessed,
• wherein the portable handheld device is operable responsive at least in part to at least one first user input to the at least one user input device, to:
• access subsequent to having been placed in the memory, the first account indicia, and then reconfigure the card magnetic stripe to include the first account indicia in a manner that allows the multi-account card to be used in place of the first card to carry out a financial transaction on the first card account;
• wherein the portable handheld device is operable responsive at least in part to at least one second user input to the at least one user input device, to:
• access subsequent to having been placed in the memory, the second account indicia, and then
• reconfigure the card magnetic stripe to include the second account indicia in a manner that allows the multi-account card to be used in place of the second card to carry out a financial transaction on the second card account.