or forged if the microprocessor on the docking module control assembly 203 determines that the expiration date has expired or the debit card is not valid it prints out on the thermal docket printer 213 a brief report advising that the debit card has expired or is invalid if the microprocessor on the docking module control assembly 203 determines that the debit card is valid and is not expired then the microprocessor on the docking module control assembly 203 displays a message on the attached cellular telephone 39 s 101 screen advising the retailer to key in the amount to be debited to the account of this debit card the microprocessor on the docking module control assembly 203 then prompts the customer for their enabling pin number upon acceptance of the pin number from the customer the microprocessor on the docking module control assembly 203 utilizing the incorporated multifunction security access module sam 204 to encrypt the transaction debit card number pin etc prior to invoking a dialing routine with the attached cellular telephone 100 the cellular telephone 100 dials the pre configured number of the registration computer 318 the registration computer 318 further validates the debit card through a validation or verification computer system in the debit card issuer 39 s premises or some such recognized debit card clearing facility upon verification.