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MST is designed to transmit from within 3 in (76 mm) of the magnetic card reader. [3] Outside of physical transmission, there are no changes to the magnetic stripe card system (i.e., reception, processing, information content, and cryptographic protocols). However, the information being transmitted being dynamic may allow tokenization.
In most magnetic stripe cards, the magnetic stripe is contained in a plastic-like film. The magnetic stripe is located 0.223 inches (5.7 mm) from the edge of the card, and is 0.375 inches (9.5 mm) wide. The magnetic stripe contains three tracks, each 0.110 inches (2.8 mm) wide.
The card stores a physical or digital pattern that the door mechanism accepts before disengaging the lock. There are several common types of keycards in use, including the mechanical holecard, barcode, magnetic stripe, Wiegand wire embedded cards, smart card (embedded with a read/write electronic microchip), RFID, and NFC proximity cards.
Instead of a magnetic strip that you swipe, most credit cards now have an EMV chip that you insert into a card reader or even use to pay contactlessly. Luckily EMV chips aren’t affected by magnets.
Non-EMV cards work like magnetic stripe cards. This is common in the U.S. (PayPass Magstripe and Visa MSD). The cards do not hold or maintain the account balance. All payment passes without a PIN, usually in off-line mode. The security of such a transaction is no greater than with a magnetic stripe card transaction. [citation needed]
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A proximity card or prox card [1] also known as a key card or keycard is a contactless smart card which can be read without inserting it into a reader device, as required by earlier magnetic stripe cards such as credit cards and contact type smart cards. [2] The proximity cards are part of the contactless card technologies.