Abstract: There is described a method and apparatus for processing a card. A card that is processed can have a corresponding card holder. In one embodiment, a card reader can be provided for reading information of a card. A card reader in one embodiment can be configured to sense a level of degradation of a card. A card reader in one embodiment can be in communication with a remote processor system.

Abstract: The invention is a transaction terminal having an encryption mode apparatus comprising a secure information entry circuit and a secure mode indicator. The secure information entry circuit is operable to execute an encryption routine including steps that involve application of an encryption algorithm. Further included in the secure mode information entry circuit is cryptographic firmware which adapts the secure information entry circuit so that an encryption mode signal is caused to change state when an encryption routine is called. The indicator of the encryption mode apparatus is made responsive to the encryption mode signal so that the indicator indicates to a user as to whether data entered into the terminal will be encrypted by the terminal.