Using a portable device, a method of conducting commerce can include executing within the portable device an application configured to communicate with an automated teller machine by displaying graphic symbols. A user input specifying transaction information which can include at least a personal identification code for a transaction can be received. The method further can include generating a graphic symbol specifying the transaction information and displaying the graphic symbol upon a display screen of the portable device. Accordingly, a graphic symbol reader of an automated teller machine can read the graphic symbol and process the transaction.