A transaction apparatus (10) includes a multifunction card (12) and a portable terminal (14). The multifunction card includes a programmable memory (18) and a magnetic stripe (16) thereon. The programmable memory on the card is used to store indicia corresponding to account data which is input to the...http://www.google.ca/patents/US6315195?utm_source=gb-gplus-sharePatent US6315195 - Transaction apparatus and method
