Patent ID: 7837121

Claim:
A method of writing secure information to a machine-readable medium of a card prior to performing a secure transaction, said method comprising steps of authenticating a user to a secure card adapter, reading account-specific information from memory of said secure card adapter or from a machine readable medium on a card inserted into said secure card adapter, generating, from a secure card processor or a transaction processor, authenticating information including information other than account-specific information and personal identification information, said authenticating information further including at least one of an additional unique data sequence, protocol data and formatting or confirmation information or code, said generating step being performed responsive to said authenticating and reading steps for performing a single secure transaction, transferring said authenticating information from said secure card processor to said transaction processor located where said single secure transaction is performed and to said secure card adapter, and writing at least said authenticating information for performing said single secure transaction on a machine readable medium of a card using said secure card adapter.