CARDSTORE

Automated teller machines provided with integrated smartcard readers and with integrated biometric electronic time-keeping apparatus comprising smartcard reader, biometric scanner, data processor and data communications card; computer software for use in controlling access to and enabling communications between electronic time-keeping and biometric scanning apparatus and automated teller machines; encoded smartcards containing programming used to enter employee attendance and time-keeping data into automated payroll system and to enable the employee to retrieve pay from the system via an automated machine