Abstract: The present invention describes a system and a method for a baseband near-field magnetic stripe data transmitter (MST) device that transmits payment card data from a smart-phone, or other electronic device, into a Point of Sale (POS) transaction terminal. The MST device includes a driver and an inductor. The MST receives magnetic stripe data comprising payment card data, processes the received magnetic stripe data and emits high energy magnetic pulses comprising the processed magnetic stripe data that are then received remotely by the magnetic stripe reader of the POS.

Abstract: Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.

Abstract: A card reader includes a taking-out detection mechanism for detecting taking-out of a card from a taking-out ready state, which is a state that a part of the card is protruded from the card insertion-and-ejection port to an outer side of the card reader so that the card is capable of being taken out from the card reader, and a resistance applying mechanism structured to abut with the card taken out from the card reader to apply a frictional resistance to the card so as to disturb taking-out of the card. The resistance applying mechanism may include a feed roller configured to feed the card in a direction ejecting the card from an inside of the card reader until the taking-out ready state and, when start of taking-out of the card from the taking-out ready state is detected by the taking-out detection mechanism, the feed roller may be temporarily rotated in a direction taking the card into the card reader.

Abstract: A magnetic stripe card reader assembly and method includes a panel having portions defining a card entry opening of a card entry path provided for receiving a magnetic stripe card with the magnetic stripe disposed perpendicular to the card entry path. A card swipe path in communication with the card entry path is provided for swiping the card with the magnetic stripe disposed parallel to the card swipe path, and a magnetic stripe read head is disposed proximate the card swipe path for reading only a pre-determined segment of the magnetic stripe. The panel is also provided with portions defining a card withdrawal opening of a card withdrawal path in communication with the card swipe path and partly overlapping the card entry opening for withdrawal of the card with the magnetic stripe disposed perpendicular to the card withdrawal path.

Abstract: An anti-skimming assembly for a card reader device includes, for example, a displacement bar mountable on a front plate of a card reader device proximate a card entry opening formed in the front plate, which displacement bar has first and second legs. The displacement bar is mountable on the front plate with the first leg aligned with an internal read head inside the card entry opening of the card reader device. An infrangible fastener is connectible to the first leg through a first fastener opening formed in the front plate, and a non-conductive frangible or breakable fastener is connectible to the second leg through a second fastener opening formed in the front plate. In addition, first and second electrically conductive leads are carried by the non-conductive frangible fastener electrically connected to one another via an electrically conductive spring and connectible to an alarm circuit.

Abstract: Methods, systems, and apparatus, for conserving power in a system, comprising: (a) receiving a card interaction from a card at a card interface of the system, where the system comprises components including: a microcontroller, one or more card interfaces, a power source, an antenna, and a wake-up circuit, where the components are powered down, and where the card interaction triggers the wake-up circuit; (b) activating a power source using a signal from the wake-up circuit; (c) powering the microcontroller using the power source and in response to powering the microcontroller: (i) powering down the wake-up circuit; (ii) powering up the card and the respective card interface associated with the card interaction; (iii) receiving card data from the card through the card interface; (iv) powering down the card and the respective card interface; (v) powering up the antenna; and (vi) sending the card data using the antenna.

Abstract: A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.

Abstract: Provided is a sensor module capable of ensuring security of data in which card data output from a magnet head is not stolen by a third party. In a sensor module 10A, a front-end portion of a flexible substrate 13 to which a connection terminal, a resistive element, an A/D conversion chip, and a digital IC are attached is accommodated in a housing 11 with a predetermined capacity in a state of being folded into four in one direction and the connection terminal, the resistive element, the A/D conversion chip, and the digital IC are fixed to the housing 11 together with the front-end portion of the flexible substrate 13 by means of epoxy resin filled in the housing 11.

Abstract: A decodable indicia reading system can comprise a mobile communication terminal and a removable scanning module. The mobile communication terminal can comprise a microprocessor and a memory. The mobile communication terminal can further comprise at least one wired communication interface including a first electromechanical connector mechanically attached to the terminal housing. The removable scanning module can comprise an encoded information reading (EIR) device and/or an illumination module at least partially disposed within the scanning module housing. Both the mobile communication terminal and the scanning module can be at least partially received by a common housing.

Abstract: A recognition system is offered. The recognition system is for sensing a plurality of units under test of at least an object under test. The recognition system comprises a periodic guided-wave structure and a near field sensing device. The periodic guided-wave structure is disposed under the object under test and has a plurality of conductive units periodically arranged on a plane. The near field sensing device has a near field antenna and senses the plurality of units under test through detecting the near filed magnetic field. The periodic guided-wave structure confines the electromagnetic field for facilitating to determine the distance from any one of the units under test to the periodic guided-wave structure.

Abstract: A solid state magnetic sensor for sensing magnetic information on a magnetic track is provided. The solid state magnetic sensor includes at least one half of a Wheatstone bridge including at least two legs, each of the at least two legs including at least a portion of a strip of magnetic material, and barber pole nonmagnetic shorting bars arranged on the portions of the strip forming the at least two legs of the at least one half of the Wheatstone bridge. An inner gap between parallel and adjacent strips of a respective at least two legs is on the order of a transition length on the magnetic track to be sensed.

Abstract: A decoding system with a decoding engine running on a mobile device The decoding engine decodes signals produced from a read of a buyer's financial transaction card, accepts and initializes incoming signals from a read of a buyer's financial transaction card until the signals reach a steady state, detects the read of the buyer's financial transaction card once the incoming signals are in a steady stat, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer's financial transaction card institution or a first party's financial account. The payment system includes identifying information of second parties qualified by the payment system to conduct business with the payment system.

Abstract: A payment card (e.g., credit and/or debit card) is provided with a magnetic emulator operable to act as a magnetic stripe read-head detector and a data transmitter. A multiple layer flexible PCB may be fabricated to include multiple magnetic emulators. An emulator may include a coil that includes magnetic, ferromagnetic, or ferromagnetic, material in the coil's interior. Coils may be associated with zones. As a read-head is detected to move from zone-to-zone, coils may be activated to transmit information in those zones.

Abstract: A payment device is provided, which is to be paired with a communication device in order to form an electronic payment terminal. The payment device includes an upper half-shell and a lower half-shell, which includes a surface for attaching a modular interface for pairing the communication device and which includes a longitudinally extending slot. The lower half-shell further includes, within the slot, an opening which enables a magnetic reading head to pass therethrough. Beneath the attachment surface, an electronic circuit card is arranged laterally relative to the magnetic reading head such that the electronic circuit card prevents the insertion of a fraudulent device into the payment device.

Abstract: A device is provided for supporting a magnetic reading head. The device includes a guide for guiding and cushioning the reading head. The guide is mounted between a base of the reading head and a bearing surface parallel to the base, and includes at least one part made of a material, the Young's modulus of which is greater than 200 N/mm2.

Abstract: A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card, accepts and initializes incoming signals from a read of a first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. The decoding system is configured to be coupled and decoupled to a card reader with wake-up electronics.

Abstract: A housing for a mobile electronic device that houses both the mobile electronic device and an attached payment accessory. The section of the housing that houses the mobile electronic device secures the payment accessory in place while allowing access to the mobile electronic device's screen, buttons, and other inputs and outputs. The section of the housing that houses the payment accessory attached to the mobile electronic device allows access to the payment accessory's payment capabilities from beyond the housing.

Abstract: A card reader for use with a mobile device includes a rotatable face that can be rotated over a portion of the mobile device so that when the user slides a card through the card reader, the overlapping portion of the rotatable face prevents the card reader from spinning or rotating. A foot and/or a housing for a jack on the bottom of the card reader prevents the card reader from accidently turning off the mobile device during use.

Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed.

Abstract: A system and method for obtaining a fill image of a bank note being processed. At least one magnetoresistive detector is employed to obtain line-scan sensings of a bank note as the note passes. A central processing unit obtains the sensing as magnetic pattern data which is subsequently stored in a database for processing.

Abstract: A card is fabricated by fixing together multiple boards. By fabricating a card from multiple boards, the reliabilities of the individual boards may be tested independently. Failure of a single board component may not, for example, result in failure of a card so long as the reliability of a single board is determined before the single board component is fixed to the other board component(s).

Abstract: A walking guidance apparatus using human body communication, including: a first human body communication device acquiring a walking guidance information signal, converting the acquired walking guidance information signal into a signal available for human body communication, and transmitting the converted signal through a user's body; and a second human body communication device receiving the signal transmitted through the user's body from the first human body communication device, converting the received signal into a signal that can be recognized by the user, and outputting the converted signal. Walking guidance information having a high privacy function and high stability and accuracy can be provided to enhance user convenience.

Abstract: A card reader device for reading a card having data stored on a magnetic stripe incorporated into the card is disclosed in which the card reader device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone. Data stored on the card and sensed by the card reader device is decoded by components such as a microphone amplifier, an analog to digital converter, and a microprocessor already resident in a cell phone.

Abstract: A security element, particularly for banknotes, security cards and the like, comprising a first substrate which is at least partially opaque when viewed in transmitted light, and a plurality of magnetic areas being arranged on the substrate, wherein each of the magnetic areas is formed by a first magnetic material, a second magnetic material or an arrangement of the first and the second magnetic materials being at least partially superimposed, the first magnetic material and the second magnetic material exhibiting different coercivity values which are detectable by a sensor, wherein the first and second magnetic materials are magnetically saturated such that one of the first and second magnetic materials is not affected by the other.

Abstract: A method of protecting a magnetic card inserted into a card reader in a self-service terminal is described. The method comprises detecting presentation of a card at a card reader; energizing an electromagnetic signal transmitter in response to detecting presentation of the card; detecting a change of state of a width switch; de-energizing the electromagnetic signal transmitter in response to detecting the change of state of the width switch; detecting a magnetic signal from a pre-read magnetic reader; and re-energizing an electromagnetic signal transmitter in response to detecting the magnetic signal from the pre-read magnetic reader.

Abstract: Disclosed is a card reader which has a comparatively simple construction and is capable of appropriately detecting whether or not a magnetic head for skimming has been attached thereto. A card reader is provided with: a magnetic head which reads magnetic data recorded on a card and/or records magnetic data onto a card; a card insertion unit which has an insertion opening into which a card is inserted formed therein; and a metal sensor (which detects that a foreign body containing metal material has been attached to the front surface side of the card insertion unit. The metal sensor is arranged in substantially the same position as the arrangement position of the magnetic head, in the width direction of the card.

Abstract: A financial transaction card reader device includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is in the housing, reads data stored on the magnetic stripe and for produces a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a seller's mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device. The signal is decoded in the mobile device.

Abstract: The invention relates to a self service terminal, such as an Automated Teller Machine, comprising a front panel provided with a card insertion slot for inserting a magnetic card therethrough, wherein, during insertion through the insertion slot, a magnetic stripe on the card induces a card data flux into a stripe data reading zone. The terminal also comprises an anti-skimming unit for generating a jamming field so as to jam a magnetic recording unit of an illegal card reader installed near or in the card insertion slot of the front panel. The anti-skimming unit includes a first magnetic field source and at least one further magnetic field source, each source inducing a electro-magnetic field in a slot region including the card insertion slot, such that the jamming field in the stripe date reading zone deviates from the jamming field outside the stripe data reading zone.

Abstract: A magnetic stripe card reader assembly and method includes a panel having portions defining a card entry opening of a card entry path provided for receiving a magnetic stripe card with the magnetic stripe disposed perpendicular to the card entry path. A card swipe path in communication with the card entry path is provided for swiping the card with the magnetic stripe disposed parallel to the card swipe path, and a magnetic stripe read head is disposed proximate the card swipe path for reading only a pre-determined segment of the magnetic stripe. The panel is also provided with portions defining a card withdrawal opening of a card withdrawal path in communication with the card swipe path and partly overlapping the card entry opening for withdrawal of the card with the magnetic stripe disposed perpendicular to the card withdrawal path.

Abstract: Disclosed is a pedestrian support system that supports the movement of a pedestrian through the use of tags. This pedestrian support system comprises: a plurality of tags having an information storage unit and that are placed on a cable that extends over a traveled path; a guide device that is held by a pedestrian that is traveling along a sidewalk and that is capable of non-contact communication with the tags, and a central control device, comprising a database in which tag map information is recorded, that uses that tag map information to creates path information having tag IDs that are in the order of tags that are located along a path from a starting location to a destination location and directly or indirectly sets that path information in the guide device.

Abstract: A card (e.g., a payment card) or device (e.g., a token or phone) is provided with a magnetic emulator having a soft magnetic material whose reluctance is controlled.

Abstract: A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a second bank on whose accounts the checks were written. These corrections can be performed by the computer system of the bank of first deposit, the computer system of the second bank, or both. MICR or other data may be sent in electronic format from the bank of first deposit or other entity without qualification.

Abstract: A card exhibiting enhanced detection is provided. A plurality of detector shapes that may be associated with a detection system increases detection effectiveness, while reducing adverse effects of detection systems that may be operating within a electromagnetic field environment.

Abstract: A system is provided that includes a transaction engine running on a mobile device. In response to a financial transaction between a buyer and a seller, the transaction uses the mobile device to accept information selected including but not limited to information from financial transaction or information pertaining to financial transaction card used by the buyer in the transaction. At least a portion of this information is communicated with a third party financial institution or payment network to authorize the transaction. The buyer receives confirmation of the payment.

Abstract: A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A user interaction engine is configured to utilize a touch screen of the mobile device. A first party or second party can input at least one of numbers, characters, and signatures by touching the touch screen.

Abstract: An electronic token system including a token receptacle and a portable token. The token receptacle includes a receptacle body with an outer surface having a first, generally planar array of electrical contacts, which are arranged in a dense-packed configuration that minimizes the surface area occupied by the planar array, consistent with sufficient electrical separation between adjacent contacts. The token receptacle also includes a first alignment feature and a first retention feature. The portable token includes an enclosure for enclosing at least a portion of the receptacle body, the enclosure having a second alignment feature for mating engagement with the first alignment feature and a second retention feature for holding the portable token in removable connection with the first retention feature. The token also includes a second, generally planar array of electrical contacts for electrical communication with the corresponding electrical contacts of the first planar array mounted in the token receptacle.

Abstract: An integrated read head system includes a mobile device with an audio jack and at least one microphone input port. A read head is physically coupled to the mobile device. The read head has a slot for swiping a magnetic stripe of a financial transaction card to enable a financial transaction between a buyer and seller. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has an output jack that physically connects the read head to at least one of the audio jack or microphone port of the mobile device. The read head provides the signal to the mobile device. The signal is decoded at the mobile device. The decoding includes determining pulses in the signal and converting at least some of the pulses to characters.

Abstract: A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card, accepts and initializes incoming signals from a read of a first party's financial transaction card, and detects a read of the first party's financial transaction card. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. A social network is in communication with the transaction engine.

Abstract: Compositions including carbon nanofoam are suitable for printing and magnetic ink.

Abstract: A protection device is provided, which includes a detection circuit for detecting a short-circuit between at least two output branches of a magnetic reading head. Each of the output branches is able to convey a signal read by the reading head on a track of a magnetic card and the detection circuit is able to detect a short-circuit during the reading of at least one track of a magnetic card.

Abstract: A maintenance system for generating maintenance instructions for at least one system, the maintenance system having a plurality of system components set up to receive operating data for a system from a central control unit of the system, to use said data to identify a fault of a system component, to compare the fault with predefined known faults and to retrieve maintenance operations which have already been carried out or are predefined and are correlated with the known faults from a main memory and to select a maintenance operation which correlates with the identified fault in order to rectify the fault and to output the operation as a maintenance instruction. A method for planning maintenance operations has steps of monitoring the systems for faults and generating a maintenance instruction.

Abstract: A network accessible node that facilitates management of a fleet of portable communication devices (EIR terminal), including portable data terminals and/or barcode readers, by directing performance of software upgrade and/or configuration update actions by one or more members of the fleet of EIR terminals.

Abstract: An optically variable magnetic stripe assembly includes a magnetic layer, an optically variable effect generating layer over the magnetic layer, and an electrically non-conductive reflective layer between the magnetic layer and the optically variable effect generating layer.

Abstract: The present invention relates to an elongated security element (40) for security papers, value documents and the like, having a longitudinal direction and, perpendicular to the longitudinal direction, a transverse direction, and having, arranged on a support, a magnetic layer (44) that includes machine-readable magnetic regions. According to the present invention, the magnetic layer comprises a plurality of frame-shaped magnet elements (44) that include the machine-readable magnetic regions and that are arranged along the longitudinal direction of the elongated security element (40).

Abstract: Disclosed is an information reader wherein the degree of freedom of design can be increased, and magnetic information recorded on an information recording medium can be properly read. Specifically, the information reader comprises a medium passage through which the information recording medium having the magnetic information recorded passes, a magnetic head which is brought into contact with the information recording medium passing through the medium passage and reads the magnetic information recorded on the information recording medium, guide sections for guiding the information recording medium so that a force acts on the information recording medium and the magnetic head to push each other when the information recording medium and the magnetic head are brought into contact with each other, and a biasing mechanism which biases the magnetic head in the direction in which the information recording medium and the magnetic head are brought into contact with each other.

Abstract: A magnetic stripe reader including a magnetic reader head providing at least one data output, an F2F decoder receiving the at least one data output and providing a decoded data output, a microprocessor receiving and processing the decoded data output and power saving circuitry operative to control the operation of the F2F decoder and the microprocessor thereby to maintain the F2F decoder and the microprocessor in a power-saving sleep mode other than during magnetic stripe reading by the magnetic reader head and a selected time duration thereafter.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Abstract: The invention relates to a method and an apparatus for checking documents of value which have a security element with several magnetic areas, including at least one high-coercive magnetic area, at least one low-coercive magnetic area and at least one combined magnetic area which contains both the high-coercive and the low-coercive magnetic material. After the magnetization of all magnetic areas in a first direction, first magnetic signals of the security element are detected with a first magnetic detector. After a subsequent second magnetizing, which is effected antiparallel to the first magnetizing and magnetically reverses only the low-coercive magnetic material, second magnetic signals of the security element are detected. For identifying the magnetic areas, the second magnetic signals or a signal derived therefrom are compared with two thresholds.

Abstract: A method, for maximizing the financial benefits that accrue to one from optimally taking advantage of the incentives offered by the various providers of credit cards, includes the steps of: (1) collecting card provider information regarding currently offered incentives, (2) collecting one's information regarding past and proposed card purchases, (3) analyzing this information to determine the benefits that would accrue to one from making the proposed purchase with each of one's available cards, (4) communicating the results of this analysis so as to enable it to be used in selecting the card to be used in one's next purchase, (5) presenting the incentives of other cards which are not in the one's card portfolio, and (6) if one is considering adding one of these other cards to one's portfolio in order to take advantage of its incentives, advising of the impact on one's credit rating of applying for a new card.

Abstract: A magnetic read head includes a plurality of pins; circuitry for converting magnetic signals to electrical signals, where output of the circuitry is coupled to the plurality of pins; and a shield that encloses the circuitry, the shield having a front face through which magnetic signals pass to read the magnetic stripe, a base on a side of the shield opposite the front face, and one or more side surfaces between the base and the front face, and wherein the shield has an opening for each pin of the plurality of pins, wherein each pin is configured to pass through a respective opening, wherein the plurality of openings are positioned on the one or more side surfaces of the shield, where each pin extends from the shield along an axis that is parallel to a plane defined by the base of the shield.