Abstract: Systems and methods for utilizing magnetic fingerprints obtained using magnetic stripe card readers to generate digital transaction tokens in accordance with embodiments of the invention are disclosed.

Abstract: Systems and methods for utilizing magnetic fingerprints obtained using magnetic stripe card readers to generate digital transaction tokens in accordance with embodiments of the invention are disclosed.

Abstract: Systems and methods for conducting financial transactions using non-standard magstripe payment cards are provided. One such system includes a magnetic stripe card storing information including a serial number on a magnetic medium of the magnetic stripe card, where the stored information does not include a Primary Account Number, a card reader configured to extract information from the magnetic medium, the extracted information including the stored serial number and a magnetic fingerprint including an intrinsic magnetic characteristic of the magnetic medium, and a computer coupled to the card reader and to a server, where the computer and the server are configured to execute a requested financial transaction using the extracted information.

Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.

Abstract: Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system configured to encode the one or more data cards with at least some portion of the personalization information, a card reader connected to the control system, the card reader configured to read magnetic fingerprint information from the one or more data cards, and the control system configured to store the magnetic fingerprint information.

Abstract: Systems and methods for remotely loading encryption keys in card reader systems are provided. One such method includes storing, at a card reader, a device identification number for identifying the card reader, a first magnetic fingerprint of a data card, and a second magnetic fingerprint of the data card, wherein each of the first and second fingerprints includes an intrinsic magnetic characteristic of the data card, encrypting, using a first encryption key derived from the second fingerprint, information including the device identification number and first fingerprint, sending the encrypted information to an authentication server, receiving, from the authentication server, a score indicative of a degree of correlation between the first fingerprint and second fingerprint, and receiving, when the score is above a preselected threshold, a second encryption key from the authentication server, the second encryption key encrypted using a third encryption key derived from the first fingerprint.

Abstract: Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system configured to encode the one or more data cards with at least some portion of the personalization information, a card reader connected to the control system, the card reader configured to read magnetic fingerprint information from the one or more data cards, and the control system configured to store the magnetic fingerprint information.

Abstract: Systems and methods for conducting contactless payments using a mobile device and a magstripe payment card are provided. One such method includes receiving, at the mobile device and prior to a requested financial transaction, a dynamic authentication token from a server, the dynamic authentication token indicative of a predetermined authentication of a magstripe payment card based on data obtained during a swipe of the magstripe payment card; wirelessly transmitting, in response to a request to facilitate a financial transaction, the dynamic authentication token from the mobile device to a contactless payment terminal; and sending the dynamic authentication token and information related to the requested financial transaction to the server for authorization of the requested financial transaction.

Abstract: Tamper evident card readers in accordance with embodiments of the invention are disclosed. In one embodiment, a data-bearing instrument reader includes a sensor configured to read data from a data bearing instrument, circuitry configured to receive data from the sensor, a housing that at least partially contains the sensor and the circuitry, wherein at least a portion of the housing is translucent and the translucent portion of the housing is configured to permit visual inspection of the portions of the sensor and circuitry contained within the housing.

Abstract: A card authentication system. In one embodiment, the invention relates to a method for authenticating a data card having an intrinsic magnetic characteristic and recorded data on the data card, the method including reading information from the data card, the data card information including the intrinsic magnetic characteristic and the recorded data on the data card, encrypting the data card information, sending the encrypted data card information, receiving the encrypted data card information, decrypting a portion of the encrypted data card information, the portion including the intrinsic magnetic characteristic, generating a score indicative of a degree of correlation between the intrinsic magnetic characteristic of the data card information and a stored value, and determining an authenticity of the data card based at least in part on the score.

Abstract: The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is configured to read card information from a data card, provide a scramble code to the computer, receive user input data indicative of user input responsive to a graphical numeric display based on the scramble code, generate PIN data based on the user input data, generate a PIN block including the PIN data and the card information, and transmit the PIN block for authentication.

Abstract: Systems and methods for conducting contactless payments using a mobile device and a magstripe payment card are provided. One such method includes receiving, at the mobile device and prior to a requested financial transaction, a dynamic authentication token from a server, the dynamic authentication token indicative of a predetermined authentication of a magstripe payment card based on data obtained during a swipe of the magstripe payment card; wirelessly transmitting, in response to a request to facilitate a financial transaction, the dynamic authentication token from the mobile device to a contactless payment terminal; and sending the dynamic authentication token and information related to the requested financial transaction to the server for authorization of the requested financial transaction.

Abstract: Systems and methods for conducting financial transactions using non-standard magstripe payment cards are provided. One such system includes a magnetic stripe card storing information including a serial number on a magnetic medium of the magnetic stripe card, where the stored information does not include a Primary Account Number, a card reader configured to extract information from the magnetic medium, the extracted information including the stored serial number and a magnetic fingerprint including an intrinsic magnetic characteristic of the magnetic medium, and a computer coupled to the card reader and to a server, where the computer and the server are configured to execute a requested financial transaction using the extracted information.

Abstract: Systems and methods for authenticating aspects of an online transaction using a secure peripheral device having a message display and/or user input are provided. One such method for establishing a secure communication channel between a computer peripheral device and a host includes responding to requests to authenticate the peripheral device, authenticating the host, receiving one or more messages from the host, displaying the one or more messages on a display of the peripheral device, receiving user input in response to the one or more messages, sending the user response to the host.

Abstract: Systems and methods for remotely loading encryption keys in card reader systems are provided. One such method includes storing, at a card reader, a device identification number for identifying the card reader, a first magnetic fingerprint of a data card, and a second magnetic fingerprint of the data card, wherein each of the first and second fingerprints includes an intrinsic magnetic characteristic of the data card, encrypting, using a first encryption key derived from the second fingerprint, information including the device identification number and first fingerprint, sending the encrypted information to an authentication server, receiving, from the authentication server, a score indicative of a degree of correlation between the first fingerprint and second fingerprint, and receiving, when the score is above a preselected threshold, a second encryption key from the authentication server, the second encryption key encrypted using a third encryption key derived from the first fingerprint.

Abstract: The invention relates to a system for secure multi-factor authentication using dynamic data, the system including a card reader, and a computer having a display, wherein the card reader is configured to read card information from a data card, provide a scramble code to the computer, receive user input data indicative of user input responsive to a graphical numeric display based on the scramble code, generate PIN data based on the user input data, generate a PIN block including the PIN data and the card information, and transmit the PIN block for authentication.

Abstract: Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system configured to encode the one or more data cards with at least some portion of the personalization information, a card reader connected to the control system, the card reader configured to read magnetic fingerprint information from the one or more data cards, and the control system configured to store the magnetic fingerprint information.

Abstract: Systems and methods for personalizing data card are disclosed. One embodiment includes a card receiver configured to receive one or more data cards, a control system connected to the card receiver, the control system configured to receive personalization information, an encoder system connected to the control system, the encoder system configured to encode the one or more data cards with at least some portion of the personalization information, a card reader connected to the control system, the card reader configured to read magnetic fingerprint information from the one or more data cards, and the control system configured to store the magnetic fingerprint information.

Abstract: Magnetic stripe readers are disclosed that are configured to extract information from magnetic media and encrypt part of the extracted information. Embodiments of magnetic stripe readers include measures to resist tampering and inputs to receive unencrypted information from input devices. One embodiment includes a housing containing a magnetic reading head connected to a decoder circuit that is connected to an encryption engine. The magnetic reading head generates a signal indicative of a magnetic field. The decoder circuit is configured to extract data from the output of the magnetic reading head and the encryption engine is configured to encrypt a portion of the extracted data and the encryption engine is configured to pass a portion of the extracted data unencrypted.

Abstract: Magnetic stripe readers are disclosed that are configured to extract information from magnetic media and encrypt part of the extracted information. Embodiments of magnetic stripe readers include measures to resist tampering and inputs to receive unencrypted information from input devices. One embodiment includes a housing containing a magnetic reading head connected to a decoder circuit that is connected to an encryption engine. The magnetic reading head generates a signal indicative of a magnetic field. The decoder circuit is configured to extract data from the output of the magnetic reading head and the encryption engine is configured to encrypt a portion of the extracted data and the encryption engine is configured to pass a portion of the extracted data unencrypted.