Abstract: A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is used to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway.

Abstract: A method of transmitting encrypted information to a mobile device and a payment service uses a card reader. The card reader has device electronics that include a microcontroller with logic resources with code and an output jack. A raw magnetic head signal is received from a reading of the card in the slot. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. The logic resources and the code create both an encryption and signed signal. An encrypted and signed output jack message is delivered to the mobile device through the output jack based on the contents of the signal, with at least a portion of the output jack signal being encrypted.

Abstract: A method of transmitting encrypted information to a mobile device and a payment service uses a card reader. The card reader has device electronics that include a microcontroller with logic resources with code and an output jack. A raw magnetic head signal is received from a reading of the card in the slot. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. The logic resources and the code create both an encryption and signed signal. An encrypted and signed output jack message is delivered to the mobile device through the output jack based on the contents of the signal, with at least a portion of the output jack signal being encrypted.

Abstract: A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is sued to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway.

Abstract: A card reader has a housing, read head and device electronics that receive a raw signal from the read head and converts it into a processed digital signal that the microcontroller can interpret. A microcontroller with associated logic resources and code receives a digital signal from the device electronics and creates an encrypted and signed message based on the contents of the signal. An output jack is provided.