1. A portable hand-held transaction device comprising: a sensor configured to acquire data related to at least one credit card; a data processing computing platform coupled with the sensor and configured to: use the data to recognize that an information address is stored in a database; and use the address of information to obtain pertinent information associated with a selected account associated with the at least one credit card; and a terminal connection coupled with the data processing platform and configured to enable a terminal device to initiate a transaction with the selected account based on the pertinent information and by providing pertinent information to the terminal device.