Abstract: A proxy card comprising a swipe speed sensor that detects the speed at which the proxy card is traveling through a magnetic card reader and a microcontroller that uses the swipe speed to adjust a rate at which magnetic stripe data stored in a memory on the proxy card is transmitted to a magnetic stripe emulator on the proxy card is disclosed. The magnetic stripe emulator emulates the magnetic stripe data by generating a magnetic field that changes at the rate at which the magnetic stripe data is received from the microcontroller to ensure that the changing magnetic field is readable by a magnetic stripe reader in the time it takes to complete the swipe. The rate at which the magnetic stripe data is transmitted to the magnetic stripe emulator can be a predetermined multiple of the swipe speed of the proxy card.

Abstract: A method and apparatus for encoding a magnetic stripe area of a magnetic stripe card with account data from multiple cards are disclosed. The magnetic stripe card (“the card”) can be associated with account data from multiple cards, such as account data from a driver's license and from various payment cards, such as a credit card, a debit card, and a pre-paid gift card. Location information indicating the location of the card can be obtained, and account data for the multiple cards associated with the card can be selected based on a criterion, such as based on the location information. The card includes a magnetic stripe emulator, and the emulator is encoded with account data of the multiple cards, such that with a single swipe of the card through a card reader, the card reader can read the account data of the multiple cards from the magnetic stripe area.