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The present invention provides a system, method and apparatus that includes a magnetic field generator that is normally inactive and includes a magnetic stripe either mounted on the substrate or disposed within a substrate, one or more induction coils disposed within the substrate underneath a lengt

The present invention provides a system, method and apparatus that includes a magnetic field generator that is normally inactive and includes a magnetic stripe either mounted on the substrate or disposed within a substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils. The control circuit generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a processor. The time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader.

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1. An apparatus comprising: a substrate integrated into: (1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected

1. An apparatus comprising: a substrate integrated into: (1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group consisting essentially of a passport, an immigration card and a visa;a magnetic field generator disposed within the substrate, wherein the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils and generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a processor, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader;a fingerprint sensor mounted on the substrate;a memory disposed within the substrate;the processor disposed within the substrate and communicably coupled to the magnetic field generator, the fingerprint sensor and the memory, wherein the processor processes fingerprint information received from the fingerprint sensor to verify that a user is authorized to use the apparatus and activate the magnetic field generator when the user is verified; anda power source disposed within the substrate and electrically connected to the magnetic field generator, the fingerprint sensor and the processor. 2. The apparatus as recited in claim 1, wherein the magnetic field generator comprises a programmable magnetic stripe. 3. The apparatus as recited in claim 1, wherein the magnetic signal includes binary data describing a user name, user number and apparatus expiration date. 4. The apparatus as recited in claim 1, wherein the magnetic stripe contains three-tracks and each track contains a set of magnetic data cells. 5. The apparatus as recited in claim 1, wherein the processor comprises a smart card processor and an ASIC chip. 6. The apparatus as recited in claim 1, wherein the power source is controlled by a power management unit. 7. The apparatus as recited in claim 1, wherein the power source is selected from the group consisting of a battery, a piezoelectric generator, a solar panel, an electromagnetic energy converter; a kinetic energy converter and combinations thereof. 8. The apparatus as recited in claim 1, wherein the power source comprises: a battery;a power generator;a converter electrically connected to the power generator and operable to convert power received from the power generator into power usable by the apparatus or to charge the battery;a battery management unit connected to the battery; anda power multiplexer connected to the battery management unit and the converter and operable to determine whether to draw power from the battery management unit, from the converter, or from both. 9. The apparatus as recited in claim 1, wherein the fingerprint sensor comprises a matrix of points operable to detect high and low points corresponding to ridges and valleys of a fingerprint. 10. The apparatus as recited in claim 1, wherein the fingerprint sensor comprises an emitter and a detector wherein light projected by the emitter is reflected from a user's finger onto the detector. 11. The apparatus as recited in claim 1, further comprising a user interface mounted on the substrate that is communicably coupled to the processor and electrically connected to the power source, wherein the user interface is selected from the group consisting essentially of a touch pad, one or more buttons, a display and a voice sensor. 12. The apparatus as recited in claim 1, further comprising an output interface mounted on the substrate that is communicably coupled to the processor and electrically connected to the power source, wherein the output interface is selected from the group consisting essentially of an antenna for wireless communication and an optical transmitter. 13. The apparatus as recited in claim 1, further comprising a smart card interface mounted on the substrate that is communicably coupled to the processor and electrically connected to the power source. 14. The apparatus as recited in claim 1, further comprising a contactless interface disposed within the substrate that is communicably coupled to the processor and electrically connected to the power source, wherein the contactless interface is selected from the group consisting essentially of an antenna for wireless communication and an optical transceiver. 15. The apparatus as recited in claim 1, wherein the substrate is semi-flexible. 16. The apparatus as recited in claim 1, wherein the processor and the memory are integrated into a single integrated circuit. 17. The apparatus as recited in claim 1, wherein the memory contains a fingerprint analog of a user. 18. The apparatus as recited in claim 1, wherein the processor provides binary data to the magnetic field generator after a user has been authenticated using the fingerprint sensor. 19. The apparatus as recited in claim 1, wherein the processor deactivates the magnetic field generator after the magnetic field generator has been active for a specified period of time. 20. The apparatus as recited in claim 1, wherein the processor deactivates the magnetic field generator when the fingerprint sensor no longer detects the authorized user. 21. A method for enabling a transaction using an apparatus containing information associated with one or more users, a magnetic field generator disposed within a substrate and a fingerprint sensor, wherein: (a) the substrate is integrated into: (1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group consisting essentially of a passport, an immigration card and a visa, and (b) the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils, the method comprising the steps of:receiving authentication data from the fingerprint sensor;determining whether the authentication data is valid for one of the users; andactivating the magnetic field generator and generating a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader, and that corresponds to the information associated with the authenticated user whenever the authentication data is valid. 22. The method as recited in claim 21, wherein the information associated with the authenticated user enables approval of the transaction. 23. The method as recited in claim 21, further comprising the step of activating the magnetic field generator and generating a magnetic signal that enables denial of the transaction whenever the authentication data is not valid. 24. The method as recited in claim 21, further comprising the step of receiving one or more activation parameters. 25. The method as recited in claim 24, wherein the one or more activation parameters includes detecting data from the fingerprint sensor, detecting an external signal or receiving data from a user interface. 26. The method as recited in claim 21, wherein the transaction is an access transaction, a control transaction, a financial transaction, a commercial transaction or an identification transaction. 27. The method as recited in claim 21, wherein the step of determining whether the authentication data is valid comprises comparing the authentication data to one or more fingerprint templates stored on the device. 28. The method as recited in claim 21, further comprising the step of deactivating the magnetic field generator after the magnetic field generator has been active for a specified period of time. 29. The method as recited in claim 21, further comprising the step of deactivating the magnetic field generator when the fingerprint sensor no longer detects the authorized user. 30. The method as recited in claim 21, further comprising the step of selecting the information to enable the transaction. 31. The method as recited in claim 21, further comprising the step of displaying information to the user. 32. The method as recited in claim 21, further comprising the step of transmitting the information associated with the user via a wireless communications antenna. 33. The method as recited in claim 21, further comprising the steps of: receiving power from an external power source in a contactless manner; andconverting the power received from the external power source into power compatible with the apparatus. 34. A system comprising: one or more user devices, each user device comprising:a substrate integrated into: (1) a card selected from the group consisting essentially of an access card, a credit card, a debit card, an identification card, a mini-card, a security card, a stored value card and a vendor-specific card, or (2) a travel credential selected from the group essentially of a passport, an immigration card and a visa,a magnetic field generator disposed within the substrate, wherein the magnetic field generator is normally inactive and comprises a magnetic stripe either mounted on the substrate or disposed within the substrate, one or more induction coils disposed within the substrate underneath a length of the magnetic stripe and a control circuit disposed within the substrate that is connected to the one or more induction coils and generates a time-varying magnetic signal by pulsing the one or more induction coils underneath the magnetic stripe when activated by a device processor, wherein the time-varying magnetic signal is transmitted to a magnetic stripe reader and emulates a data stream generated by swiping a static magnetic stripe card through the magnetic stripe reader but is not created by swiping the magnetic stripe of the apparatus through the magnetic stripe reader or using an adapter to interface with the magnetic stripe reader,a fingerprint sensor mounted on the substrate,a memory disposed within the substrate,the device processor disposed within the substrate and communicably coupled to the magnetic field generator, the fingerprint sensor and the memory, wherein the device processor processes fingerprint information received from the fingerprint sensor to verify that a user is authorized to use the user device and activate the magnetic field generator when the user is verified, anda power source disposed within the substrate and electrically connected to the magnetic field generator, the fingerprint sensor and the device processor;one or more system interfaces operable to communicate with the user device; anda system processor communicably coupled to the one or more system interfaces. 35. The system as recited in claim 34, wherein the one or more system interfaces includes an optical interface, a smart card interface, a wireless communication interface, a magnetic reader, an initialization interface or a recharger. 36. The system as recited in claim 34, further comprising a database communicably coupled to the system processor. 37. The system as recited in claim 34, further comprising one or more remote computers communicably coupled to the system processor via a network. 38. The system as recited in claim 34, wherein the magnetic field generator comprises a programmable magnetic stripe. 39. The system as recited in claim 34, wherein the magnetic signal includes binary data describing a user name, user number and apparatus expiration date. 40. The system as recited in claim 34, wherein the magnetic stripe contains three-tracks and each track contains a set of magnetic data cells. 41. The system as recited in claim 34, wherein the device processor comprises a smart card processor and an ASIC chip. 42. The system as recited in claim 34, wherein the power source is controlled by a power management unit. 43. The system as recited in claim 34, wherein the power source is selected from the group consisting essentially of a battery, a piezoelectric generator, a solar panel, an electromagnetic energy converter, a kinetic energy converter and combinations thereof. 44. The system as recited in claim 34, wherein the power source comprises: a battery;a power generator;a converter electrically connected to the power generator and operable to convert power received from the power generator into power usable by the apparatus or to charge the battery;a battery management unit connected to the battery; anda power multiplexer connected to the battery management unit and the converter and operable to determine whether to draw power from the battery management unit, from the converter, or from both. 45. The system as recited in claim 34, wherein the fingerprint sensor comprises a matrix of points operable to detect high and low points corresponding to ridges and valleys of a fingerprint. 46. The system as recited in claim 34, wherein the fingerprint sensor comprises an emitter and a detector wherein light projected by the emitter is reflected from a user's finger onto the detector. 47. The system as recited in claim 34, further comprising a user interface mounted on the substrate that is communicably coupled to the device processor and electrically connected to the power source, wherein the user interface is selected from the group consisting essentially of a touch pad, one or more buttons, a display and a voice sensor. 48. The system as recited in claim 34, further comprising an output interface mounted on the substrate that is communicably coupled to the device processor and electrically connected to the power source, wherein the output interface is selected from the group consisting essentially of an antenna for wireless communication and an optical transmitter. 49. The system as recited in claim 34, further comprising a smart card interface mounted on the substrate that is communicably coupled to the device processor and electrically connected to the power source. 50. The system as recited in claim 34, further comprising a contactless interface disposed within the substrate that is communicably coupled to the device processor and electrically connected to the power source, wherein the contactless interface is selected from the group consisting essentially of an antenna for wireless communication and an optical transceiver. 51. The system as recited in claim 34, wherein the substrate is semi-flexible. 52. The system as recited in claim 34, wherein the device processor and the memory are integrated into a single integrated circuit. 53. The system as recited in claim 34, wherein the memory contains a fingerprint analog of a user. 54. The system as recited in claim 34, wherein the device processor provides binary data to the magnetic field generator after a user has been authenticated using the fingerprint sensor. 55. The system as recited in claim 34, wherein the device processor deactivates the magnetic field generator after the magnetic field generator has been active for a specified period of time. 56. The system as recited in claim 34, wherein the device processor deactivates the magnetic field generator when the fingerprint sensor no longer detects the authorized user.