A card reader includes a digital connector such as a Universal Serial Bus (USB) plug or an Apple® Lightning® plug. The digital connector includes a corresponding connector interface, which provides voltage to at least a card reader interface and an integrated circuit (IC) of the card reader. The card reader interface outputs an analog transaction information signal upon reading the card. The IC generates a digital version of the analog transaction information signal, encrypts the digital version, converts that into an analog audio signal. The audio signal can then be sent to the connector interface, which converts it into a digital signal such as a USB or Apple® Lightning® signal that is sent by the digital connector to a mobile device. Alternately, the audio signal can be sent to a microcontroller that converts the audio signal to a digital format such as USB, and then to the digital connector.

Provided are a multi-function card that has a non-contact IC card function, a magnetic stripe card function, and a function of generating a magnetic card signal and an NFC signal, a Bluetooth function capable of transmitting a signal to devices such as smartphones, includes a metallic frame, and is robust against bending or breakage, a transmission/reception sensor system used for the multi-function card or the like, and a wearable device, and the transmission/reception sensor system includes a magnetic sensor 10 including a coil 2 wound around a magnetic sensor core 1, an NFC coil 12 formed in a planar shape, and a metallic frame 13a of a loop shape which is installed along the NFC coil 12 and includes one or more cut portions.

A mobile computing device for transmitting token data to a key card reading device having an activation mechanism is provided. The computing device is programmed to receive token data representing access data of a key card, generate a transmission signal representing the access data of the key card based on the token data in response to receiving the token data, and output the transmission signal to the key card reading device. The access data causes the key card reading device to activate the activation mechanism. The transmission signal causes the key card reading device to activate the activation mechanism when the mobile computing device is placed near the key card reading device and the transmission signal is authenticated by the key card reading device.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

The present technology pertains to storing transaction information for transactions with merchants in association with an identifier of a buyer, and transmitting an electronic receipt, including the transaction information to the buyer. The present technology includes a system and methods for associating a transaction card number with the user identifier of the buyer, such that the transaction information can be associated with the user identifier of the buyer even when the merchant does not receive the transaction card number or the user identifier of the buyer.

A toll transponder may receive transaction card data identifying a transaction card associated with a transaction account. The toll transponder may provide to a toll server device, and via a toll antenna of a toll collection system, a request for a transaction amount for a vehicle toll, and may receive a response requesting authorization for payment of the transaction amount. The toll transponder may determine, based on the response, an authorization request cryptogram for payment of the transaction amount, and generate an encrypted signal identifying the authorization request cryptogram, the transaction card data, and a toll transponder identifier identifying the toll transponder. The toll transponder may provide the encrypted signal to the toll server device via the toll antenna, and may receive from the toll server device, via the toll antenna, data indicating whether the transaction amount for the vehicle toll is approved.

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.

An example method may include transmitting a noise signal through a reader connection of a magnetic reader element. The control component and the magnetic reader element may be associated with a card reader device of a transaction device, and the magnetic reader element may be configured to read a magnetic strip of a transaction card. The method may include receiving, from the magnetic reader element, a reader connection signal from the reader connection. The reader connection signal may include the noise signal. The method may include extracting, from the reader connection signal, a card information signal associated with the transaction card from the magnetic strip. The card information signal may be extracted based on the noise signal. The method may include performing an action associated with the card information signal.

A card reader may include a main body frame having a card passage, and a bezel which having a card insertion port and attached to a front end side portion of the main body frame. In a case that a width direction of the card is referred to as a first direction and a portion of the main body frame which is covered by the bezel is referred to as a frame front end part, the bezel includes width direction cover parts respectively covering both sides in the first direction of the frame front end part, both ends in the first direction of the frame front end part are opened, and the frame front end part is structured so that side faces in the first direction of the card passage are structured by the width direction cover parts of the bezel which serve as guide faces for a card.

The invention is a system allowing for the commercial rental of physical assets that are locked and secured at specific locations, including, without limitation, bicycles, motorcycles, automobiles, tools, machines, computers, smart phones, or tablet computers.