Abstract: A method of remote loading of confidential information between a secure pin entry device and a Authorzing Institute using public and private key encryption techniques. In addition, a digital certificate uniquely identifying the terminal is provided by the terminal when a communication with the Authorzing Institute is originated. The Authorzing Institute confirms the authenticity of the digital certificate. This confirmation can occur using the public key of the Certificate Authority and/or confirmation can be made by contacting the Certificate Authority. In this way, confidence to use the public and private keys of the device and the Authorizing Institute for encryption is achieved, and financial keys and/or software can be encrypted downloaded to the device.

Abstract: A transaction device comprises a terminal module and printer module mechanically secured in an angled configuration. This angled configuration orientates a touch screen input and display device at an angle to the horizontal to reduce reflected light problems. In addition, the angle orientation of the printer improves space efficiency. A lower surface of the terminal module is easily accessible for connecting the device to other modules or to remote computers.

Abstract: A financial transaction terminal is designed to receive both smart cards and debit cards and includes an access port for inserting or removing security modules such as SIM or SAM modules. A security switch arrangement is provided about the access port to protect the now accessible components of the terminal. Such a terminal provides the uncompromised physical security of a debit terminal with the flexibility and capabilities of a smart card terminal.

Abstract: The transaction terminal receives and reads information maintained on the card in a magnetic stripe or in an integrated circuit. A carriage is moved by an inserted card and moves from an initial position to a read position. The carriage is powered by the inserted card, and when the card is in the read position, the carriage is released and a magnetic head scans a magnetic stripe provided on the card. The terminal also causes an electrical connector to engage a card in the read position and form an electrical circuit with an integrated circuit if the card is a Smart Card. If a card is partially inserted, the carriage is held and does not automatically return to the initial position. Preferrably, a series of carriage hold positions are provided between the initial position and the read position. The terminal works in the same manner regardless of what type of card is used. In this way, the user merely fully inserts the card in the appropriate manner.