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Keri's NXT-I & NXT-S Multi Technology Cards allow the user to combine several identification technologies in a single credit card thin credential. The cards can be ordered with or without a high coercivity magnetic stripe, which is useful if there are other types of systems in use that are mag stripe-based, such as cafeteria vending. They are also useful for customers who may have a proximity-based access control system at one site and a mag stripe-based system at other locations, allowing the user to carry a single card. Uses 96 bit encryption between the card and the reader.