A key pad 16 for inputting information, such as a personal identification number (PIN), transaction amounts, and other information is also illustrated in the drawing [0027] Finally, the last functional block illustrated in the AFTM 10 of FIG. 1A is receiving unit 18 The receiving unit 18 has been illustrated in dashed lines, since it will typically reside inside the AFTM 10 The receiving unit 18 i