Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. The bias layers are in contact with both sides of the laminate and extend over the peripheral sections of the laminate with ferromagnetic bias underlying layers therebetween, the bias underlying layers being composed of Fe or an FeCo alloy with a thickness of 1. , CKF, and being constructionally inseparably combined. The out-of-band ID information is associated with all of the plurality of channels.