by the leading zeros of the track 2 bit stream and the track 2 data trailing zeroes are then stored at the end of the track 2 bit stream a typical single lump transmission consists of at least two different tracks of formatted data combined in the lump transmission which is separated by clock bits with reference to fig5 in an illustrative embodiment generally a lump transmission stream of electronically simulated magnetic stripes from electronic cards or magnetic contactless payment devices collectively referred to herein as u201c electronic mag stripe device u201d that employ electronically simulated magnetic stripes for transmission to a pos terminal contains two different types of data track 1 data 521 and track 2 data 522 a clock zero character stream will be kept running between the two different tracks which will each be encoded according to rules appropriate for that track when an electronic mag stripe device is held proximate to the pos terminal read heads analogous to passing a magnetic card with stripes through card stripe read heads of a pos terminal the read heads pick up the raw data of the track 1 and 2 in the electronically simulated magnetic stripes then the raw data is transmitted to a decoder where the raw data is decoded the decoded track 1 and track 2 data are forwarded by the pos terminal to be further processed in the payment network as the track 1 and track 2 data decoded from the single lump transmission stream 51 for example as described herein below with respect to fig6 a and 6b as mentioned above the lump stream is a bit stream of zeros and ones that contains two formats one is track 1 format which is 7 bits per character the other one is track 2.