With that said, this was the final report that I made in the Winter of 2013. I presented it Spring 2014 to the University staff. And now, graduated, with over a full 12 months behind it, I felt comfortable to post it.
I personally think you might have crossed the line on actually using it.
Even though I made a blank card, it was still encoded with my student ID number. That was the only reason it was allowed. The point of trying it was to prove that the name or discretionary data did not affect the card working.
While I definitely toed the line, I tried to be careful not to break any of the rules of the class.
I'm just remembering my ID card...and my sister's...and my brother's. We used those for literally everything.
The thing is though, a lot of these magstripe systems have problems. We brought up in the presentation that Walmart at the time was having a large problem with people encoding stolen credit card data onto gift cards. Cashiers at the time did not check driver licenses when paying with a gift card.
That is top-quality social engineering.