JPH03130920A - Magnetic card - Google Patents

Abstract

PURPOSE:To exactly prevent falsification by laminating low- and high-coercive force magnetic layers which vary in coercive force by prescribed times or above. CONSTITUTION:Laminated magnetic layers 4 consisting of the high-coercive force magnetic layer 3 and the low-coercive force magnetic layer 2 and provided on a base material 5 of the card, by which the magnetic card is formed. The coercive force of the layer 3 is set >=3 times the coercive force of the layer 2. The intrinsic information of the card is recorded on the layer 3 of the intrinsic information recording area 6 of the card and user information is recorded on the layer 2 of a user information coercive force area 7. The intrinsic information of the card on the layer 3 is not erased even if the recording of the magnetic card of other person is erased by the magnetic field of about 2 times the magnetic field at the time of recording. The intrinsic information is multiple- recorded on the layers 2, 3 if the intrinsic information of the falsifier's card is recorded. Only the noises are then read and the intrinsic information is not read. The falsification of the card is thus substantially and exactly prevented.

Description

[Detailed description of the invention] [Industrial application field] The present invention relates to magnetic cards.

[Problems to be solved by conventional techniques and inventions] In recent years,
2. Description of the Related Art As magnetic cards such as cash cards and credit cards become more widely used, crimes such as counterfeiting and misuse of cards are occurring.

An example of a card counterfeiting method in the case of a cash card is as follows.

1) When counterfeiting is done by someone inside the bank: The magnetic recording medium of the cash card (usually formed in a stripe shape, commonly known as a magnetic stripe)
The bank code number, deposit account number, and PIN number are magnetically recorded as user information. Card counterfeiting is extremely easy for people inside the bank, especially those involved in card issuance, because they can obtain the user information. That is, forgery can be easily carried out by putting a card owned by the forger into a magnetic recording device to erase his or her own user information, and then magnetically recording the user information on another person's card to be counterfeited using the device. In this case, the card issuing staff will be able to confirm the recording conditions such as the position of the first magnetic recording (barcode) (distance of the first magnetic recording card from the edge of the magnetic recording medium) and magnetic recording density (number of bits). Since he is knowledgeable, he can forge it without any problem.

2) When an outsider makes a forgery User information cannot be easily obtained by outsiders.

However, by eavesdropping on the operations of a person withdrawing cash from an automatic teller machine, they learned the payment number of the withdrawer's card, and also learned the balance statement (sent out from the payment machine along with the cash) that the withdrawer had discarded. thing.

(often thrown away) and find out the bank code number and deposit account number written on the statement. Therefore, it is possible to perform forgery by erasing one's own user information by putting the card owned by the person before forgery into a magnetic recording device, and newly magnetically recording the other person's user information obtained as described above. In this case, if you dip the original card into a developing solution, the magnetic recording symbol (barcode) will appear as an image, and if you look at it, you will be able to see the location of the first magnetic recording symbol, the magnetic recording density (number of bits), etc. Since the conditions can be determined, magnetic recording can be performed exactly the same as on another person's card.

As mentioned above, since information can be easily erased or newly recorded on magnetic recording cards, no effective means for preventing counterfeiting has been established so far.

In view of the above points, it is an object of the present invention to provide a magnetic card that can accurately prevent card forgery.

[Means to solve the problem]

In order to solve the above problems, the present invention has the configuration shown below.

That is, the present invention provides the following advantages: (1) A resistive magnetic layer and a high coercive force magnetic layer each having a card-specific information recording area and a user information recording area are laminated, and a low coercive force magnetic layer and a high coercive force magnetic layer are laminated. A magnetic card characterized in that a multilayer magnetic recording medium having a coercive force different from that of the other layers by a factor of three or more is formed on a card base material.

(2) A resistive magnetic layer and a high coercive force magnetic layer each having a card specific information recording area and a user information recording area are laminated, and the coercive force of the low coercive force magnetic layer and the high coercive force magnetic layer is increased to 3. A magnetic card formed by forming a multilayer magnetic recording medium of which the magnetic layer is different by more than twice as much on a card base material, characterized in that card-specific information is magnetically recorded in a card-specific information recording area of a high coercive force magnetic layer. magnetic card. ” is the gist.

〔Example〕

Embodiments of the present invention will be described below based on the drawings.

1 and 2, reference numeral 1 indicates a magnetic card according to the first aspect of the present invention, and this magnetic card l has a resistive magnetic layer 2.
A multilayer magnetic recording medium 4 consisting of a resistive magnetic layer 2 and a high coercive force magnetic layer 3 is formed on a card base material 5, and between the resistive magnetic layer 2 and the high coercive force magnetic layer 3, The magnetic forces differ by at least 3 times. That is, the coercive force in the high coercive force magnetic layer 3 has a value more than three times the coercive force in the resistive magnetic force N2. The coercive forces of the magnetic N2 and N3 can be arbitrarily selected, and various combinations of the two are possible. In general, the coercive force of the magnetic layer standardized in magnetic recording systems is 3000e, 6500e, 3
0000e, and currently 6 for cash cards.
500e is used. Therefore, also in the present invention, as the magnetic N2, for example, one having a coercive force of 6500e can be used. In this case, the magnetic layer 3 has a coercive force 6 of the magnetic layer 2.
Because it needs to have a coercive force more than three times that of 500e,
As the magnetic layer 3, for example, one having a coercive force of 30,000e can be used.

Further, each magnetic layer 2.3 has a card specific information recording area 6a, a user information recording area 7a (low coercive force magnetic layer), a card specific information recording area 6b and a user information recording area 7b (high coercive force magnetic layer), respectively. layer) is provided.

Although the recording medium 4 is formed in a stripe shape as shown in FIG. 1, in the present invention, the recording medium 4 is not limited to the above-mentioned stripe shape, and the area of the recording medium 4 can also be arbitrarily selected. Alternatively, the longitudinal end of the recording medium 4 and the end of the card base material 5 may not be aligned.

3 to 6 show other embodiments of the invention of the wood brush 1.

The embodiment shown in FIG. 3 has a structure in which a peeling layer 8 is provided on the surfaces of the magnetic layers 2 and 3. Note that 9 in the figure indicates an adhesive layer (heat seal type).

A magnetic card l having such a configuration can be manufactured by a transfer method. For example, as shown in FIG.
0, a release layer 8, a low coercive force magnetic layer 2, a high coercive force magnetic layer 3
A magnetic transfer tape formed by successively laminating adhesive layers 9 is brought into close contact with the card base material 5 via the adhesive layer 9, heated and pressed to perform thermal transfer, and then the support lO is peeled off, and further heated and pressed to form a card. They are embedded in the base material 5 so that they are flush with each other.

For example, a 25 μm thick polyester film or the like can be used as the support 10, a 1 to 3 μm thick polyester resin, butyral resin, etc. can be used as the release N8, and for example, a vinyl chloride resin can be used as the card base material 5. The thickness of the adhesive layer 9 is usually 5 to 10μ. Magnetic layer 2.
The thickness of 3 is usually 10 to 15μ, and the residual magnetic flux of these magnetic layers is 1.4111axwell.
A 7cm one is usually used.

In the embodiment shown in FIG. 4, the interaction between the magnetic N2 and the magnetic layer 713 (for example, when laminating the magnetic layer 2 and the magnetic layer 3, the surface of the lower layer is dissolved by a solvent and becomes uneven). In order to prevent this, a barrier layer 11 having a thickness of, for example, 10 μm or less is interposed between the magnetic layer 2 and the magnetic layer 3. As the barrier fill, a synthetic resin film, aluminum foil, etc. can be used.

Further, in the embodiment shown in FIG. 5, a protective layer 12 made of a synthetic resin film is provided on the upper surfaces of the magnetic N2 and the magnetic layer 3. Such a magnetic card 1 can be manufactured by a coating method, in which a magnetic layer 3,
It is obtained by sequentially coating magnetic N2 and the protective layer 12, heating and pressurizing them, embedding them in the card base material 5, and making them flush with each other.

Further, in the embodiment shown in FIG. 6, the protective layer 12, the magnetic layer 2. Magnetic layer 3. The base film 13 is the adhesive layer 14
It is attached to the card base material 5 by. Such a magnetic card 1 can be manufactured by a lamination method, in which a magnetic layer 3, a magnetic layer 2, and a protective layer 12 are sequentially laminated on a base film 13.
It is obtained by adhering to the card base material 5 via the adhesive layer 14 so that the side is on the card base material 5 side, and heating and pressurizing it to embed it in the card base material 5 so that they are flush with each other. The barrier layer 11 can also be provided between the magnetic layers 2 and 3 in the structures shown in FIGS. 5 and 6.

Incidentally, FIGS. 3 to 6 show longitudinal sectional views taken along the line Y--Y in FIG. 1.

The magnetic card according to the second invention of the present invention is the magnetic card according to the first invention, in which card-specific information is magnetically recorded on the high coercive force magnetic layer.

Hereinafter, the case of magnetically recording the card-specific information of the magnetic card in the second invention will be described, taking as an example the case where the coercive force of the magnetic layer 2 is 6500e and the coercive force of the magnetic layer 3 is 30000e.

After manufacturing the magnetic card 1 of the first invention having the multilayer magnetic recording medium 4, the magnetic card manufacturer applies the magnetic card 1 to a magnetic recording device to magnetically record the card specific information a@ on the recording medium 4. In this case, the card unique information a is recorded in each card unique information recording area 6a, 6b provided in the recording medium 4 in advance. The magnetic layer on which the card specific information a is to be recorded is not the resistive magnetic layer 2 but the high coercive magnetic layer 3. Generally, when performing magnetic recording on a magnetic layer, it is necessary to apply a magnetic field that is at least three times the coercive force of the magnetic layer.

Therefore, in this case, in order to record the card specific information a on the magnetic layer 3, it is necessary to apply a magnetic field of 90,000e to 100,000e. At this time, information a is also recorded on the magnetic layer 2 at the same time (FIG. 8B).

The card specific information a to be recorded can be any card number, card symbol, etc., but must be information that specifies the card. Therefore, one piece of card-specific information a is given only to one card, and other card-specific information is given to other cards.

Next, the magnetic card manufacturer uses a magnetic recording device to record the magnetic layer 2.
performs the work of erasing the information a recorded in the . Generally, to erase information recorded in a magnetic layer, as in the case of recording,
It is necessary to apply a magnetic field that is at least three times the coercive force of the magnetic layer. Therefore, in this case, it is necessary to apply a magnetic field of 20,000e to erase information a from the magnetic J152.

Now, suppose that information a is erased from the magnetic layer 2 by applying a magnetic field of 20,000 e. Here, since a magnetic field of at least 90,000 e is required to erase even the information a of the magnetic layer 3, the information a of the magnetic layer 3 is not erased, but only the information a of the magnetic N2. In this case, if the coercive force of the magnetic layer 713 is less than three times the coercive force of the magnetic layer 2, the magnetic N3 will be affected and may be demagnetized.

In the present invention, the coercive force of the magnetic layer 3 is more than three times the coercive force of the magnetic layer 2, so this problem does not occur. Thus, a magnetic card Ia according to the second aspect of the present invention is obtained in which the card specific information a is recorded only in the magnetic layer 3 (FIG. 8C).

Next, a method of obtaining a card to be finally used using the magnetic card la of the second invention will be described.

A magnetic card issuer (for example, a bank, a credit company, etc.) places the magnetic card la on a magnetic recording device to magnetically record user information in the conventional manner. In this case, recording is performed in the user information recording area 7 of the recording medium 4. In FIGS. 1 and 2, the area to the left of the dotted line 15 shown on the recording medium 4 is given as the user information recording area 7. Currently, the magnetic recording devices installed at banks, credit companies, etc. have a magnetic field of about 20,000e, so when magnetic card issuers record user information, the information is only recorded on magnetic N2. The user information that is recorded on the magnetic layer 3 and not recorded on the magnetic layer 3 may be the same type of information as in the past. It will be done. Thus, a magnetic card L is issued in which the card specific information a is recorded in the high coercive force magnetic layer 3 of the card specific information recording area 6, and the user information is recorded in the low coercive force magnetic layer 2 of the user information recording area 7. (Figure 9).

Next, the principle of counterfeit prevention will be described by taking as an example the case where the magnetic card of the present invention is used as a cash card.

First, we will discuss the case where someone inside the bank uses an unissued card to forge a card. In an unissued card, as shown in FIG. 10A, no user information is recorded in the magnetic layer 2, but card specific information a is recorded in the magnetic layer 3. Here, "1" is used as the card specific information a.
Suppose that was recorded. It is assumed that the card counterfeiter uses this card to record the unique card information and user information of another person, which the card forger came to know in the course of his/her work. Here, let us assume that the card unique information a of the other person is ° "2". In this case, as mentioned above, the magnetic recording device installed in the bank has a magnetic field of 2000
Since the information is approximately 0e, the card specific information a is recorded with "2" and "l" superimposed vertically (FIG. 1O, B).

When a counterfeiter attempts to withdraw cash by using this counterfeit card from an automatic teller machine installed at a bank, the waveform of the card-specific information "l" and "2" are synthesized in the magnetic reader, causing noise. occurs, and as a result, the device is unable to read the card-specific information and no cash is withdrawn. In addition, if card unique information "2" is not recorded in the recording area, the combination of card unique information a and user information 2 will be different, so the device will generate an inappropriate signal and will also be unable to withdraw cash. will not be carried out. Furthermore, as will be described later, the card specific information "'1" cannot be deleted initially.

Next, we will discuss the case where someone inside the bank or someone outside the bank uses their own card for forgery.

As shown in FIG. 11A, card-specific information a and user information are recorded on the card owned by the forger, and it is assumed here that card-specific information a is "'3". A counterfeiter attempts to erase the information recorded on his own card and newly record information on another person's card. Here, as mentioned above, since the magnetic recording device that can be used by bank officials or outsiders has a magnetic field of about 20,000e, the user information recorded on the magnetic layer 2 can be erased, but the The recorded card-specific information "3P" remains without being erased (Figure 11B). Suppose that card-specific information a and user information A of another person's card, which were known by some means, are recorded on this card. Assume that the other person's card specific information a is '2'' as described above. For the same reason as mentioned above, information a and b are magnetic N
Only 2 is recorded, and card specific information 112+1
and 3'' are recorded vertically overlapping each other (FIG. 11C). Even if this card is used, a magnetic reader cannot read it for the same reason as mentioned above, so crimes are prevented.

Next, specific examples of the present invention will be shown.

Specific Example After predetermined card specific information is magnetically recorded in the card specific information recording area of the multilayer magnetic recording medium of a magnetic card using a magnetic recording device with a magnetic field of 100,000 e, 20
The card specific information in the low coercive force magnetic layer was erased using a magnetic field of 000e. Next, predetermined user information was recorded in the user information recording area using a magnetic field of 20,000 e. 2
The user information was erased by a magnetic field of 0,000e, and user information and card-specific information different from the user information and card-specific information were recorded by a magnetic field of 20,000e. When this magnetic card was placed in a magnetic reader, noise was observed and the card could not be read.

〔Effect of the invention〕

As explained above, the magnetic card of the first invention of the present invention is
A low coercive force magnetic layer and a high coercive force magnetic layer each having a card specific information recording area and a user information recording area are laminated, and the coercive force of the low coercive force magnetic layer and the high coercive force magnetic layer is three times or more. The magnetic card of the second invention has card-specific information magnetically recorded in the card-specific information recording area of the high coercive force magnetic layer. Therefore, in addition to the conventional user information, card-specific information is also checked during magnetic reading, and since it looks like there is only one magnetic layer, this is an effective way to prevent card counterfeiting. Beneficial. Moreover, since the coercive force between the low coercive force magnetic layer and the high coercive force magnetic layer is more than three times different,
It is impossible for a card counterfeiter to erase the card-specific information recorded on the high coercive force magnetic layer, and therefore it is impossible to change the card-specific information, so counterfeiting can be reliably prevented. .

[Brief explanation of the drawing]

The drawings show embodiments of the present invention; FIG. 1 is a plan view showing a magnetic card, FIG. 2 is a longitudinal sectional view taken along the line X-X in FIG. 1, and FIGS. FIG. 7 is an explanatory diagram showing the process of manufacturing the card of the present invention, FIG. 8 is an explanatory diagram showing the process of magnetic recording, and FIG. 9 is a longitudinal sectional view of the main part showing the card. 10 and 11 are explanatory diagrams showing the process of card forgery. 1a, 1...Magnetic card 2...Resistor'p11 Force magnetic layer 3...High coercive force magnetic layer 4...Multilayer magnetic recording medium...Card base material...Card specific information recording area ...User information recording area...Card specific information...User information Figure 1, -1 Figure 2 Figure 4? Figure 11

Claims (2)

[Claims] (1) A low coercive force magnetic layer and a high coercive force magnetic layer each having a card specific information recording area and a user information recording area are laminated, and the coercive force of the low coercive force magnetic layer and the high coercive force magnetic layer is A magnetic card characterized in that a multilayer magnetic recording medium having a difference of three times or more is formed on a card base material. (2) A low coercive force magnetic layer and a high coercive force magnetic layer each having a card specific information recording area and a user information recording area are laminated, and the coercive force of the low coercive force magnetic layer and the high coercive force magnetic layer is A magnetic card formed by forming a multilayer magnetic recording medium with a difference of three times or more on a card base material, characterized in that card-specific information is magnetically recorded in a card-specific information recording area of a high coercive force magnetic layer. magnetic card.