Abstract: A secure device for reading a card having data stored on a magnetic stripe incorporated into a card. The card reader device reads and then encrypts the data, then outputs an analog signal that is indicative of the encrypted data. By way of an electrical plug-and-jack connection to a cell phone, the output signal is passed to circuitry in the cell phone where it is processed to extract the encrypted data. For security purposes, the cell phone is not enabled to decrypt the data, and therefor transmits the encrypted data to a remote server that is so enabled. When the card is used for financial transactions, the remote server cooperates with appropriate financial systems to process the transaction using data from the card plus transaction details that were entered by the cell phone user.