Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to image data stored in an authorized machine user database. The banking system machine is operative to capture images of machine users. The captured user images can be stored in correlation with user transaction data in data bearing records. The banking system machine can produce markup language documents which include the data bearing records. The markup language documents can be communicated to a remote authorized analysis terminal.