JPH04205256A - Transacting medium - Google Patents

Abstract

PURPOSE:To obtain a card use confirming means replaced to emboss by storing image information, for which an identification code generated on the transacting medium is read by an optical reading means, in the storage part of the medium. CONSTITUTION:A sign display part 14 of a card user directly writes a sign by a means such as a pen or the like while making the surface a little coarse, for example, or reads the sign written to another paper sheet by an OCR or the like and transfers this by a means such as printing or damaging this by laser beams. The sign is read by the optical reading means such as the OCR or the like and the magnetic information of the sign is recorded at one part 16 on a magnetic stripe 2 or recorded in a memory 19 of an integrated circuit 17 embedded in an IC card. Thus, it is enough for card use confirmation only to reading and decoding the stored use confirmation information by any electric or magneto-optical means or the like, and in comparison with the conventional method to transfer the card embossed part by pressure, the card itself is not almost deformed. Further, the mechanism structure of the equipment is simplified.

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Field of Application] The present invention relates to a transaction medium (card) used in transactions at financial institutions and the like.

[Prior Art] This conventional media has a convex part called an emboss to confirm the use of the card, and the use of the card is confirmed by placing pressure-sensitive paper on the convex part and copying the contents of the convex part. Ta.

Recently, optical reading of this emboss has also been practiced. The purpose of this is to eliminate mechanical stress on the cart, to increase reliability by reducing moving parts in equipment that uses the cart, and to use information electronically.

C. What the Invention Attempts to Solve: HE The above-mentioned prior art has the drawback that it is difficult to read fine parts when optically reading the embossment from the perspective of an apparatus using a cart. Furthermore, in cards such as IC carts that have internal logic circuits, there is a problem in that applying embossing or applying pressure to transfer the embossing has a negative effect on the internal circuit. Furthermore, since the card is read while being conveyed, there is also the drawback that the card travels a long distance.

The present invention takes into consideration that IC cards and the like will become mainstream in carts in the future, and aims to provide a means for confirming card usage in place of conventional embossing.

Measures to solve EtJH] In order to achieve the above purpose, an identification code that can identify an individual, such as a signature that does not require a recording means, is generated on the transaction medium, instead of an embossed one, and the identification code is Image information read by optical reading means such as known OCR technology is stored in the information section of the medium.

[Operation] In the present invention, cart usage confirmation information is stored as data within the card. The usage confirmation information stored in this manner can be read and decoded by electrical, magnetic, optical means, etc., and processing such as printing it can be performed. Compared to the conventional method of transferring the card embossed part using pressure, there is almost no deformation of the cart itself.

In addition, compared to the method of optically reading the card embossed part,
The mechanical structure of the device becomes simpler.

[Example code] An embodiment of the present invention will be described below with reference to the drawings.

Figures 3 and 4 show examples of conventional cards, and Figures 1 and 2 show how the present invention can be applied to banks, etc. ! i! This is an example applied to a 1Irxj card.

In FIG. 3, 1 is the cart body, which is usually made of plastic. 2 is a magnetic stripe, and the surface of the cart 1 is coated with resin. The embossment 3 on the card is made by stamping from the bottom with a die, as seen in the cross section 4. As a result, the entire cart is deformed, and modeling the rope is extremely difficult. Some cards use IC carts with logic circuits embedded inside them to record information, and others use optical stripes instead of magnetic stripes.

FIG. 4 is a principle diagram showing a conventional example of confirmation of use of this card.

In the case of Fig. 4(a), the cart is placed on the support stand 5, the pressure-sensitive paper 6 is placed on top of the cart, and the pressure-sensitive paper 6 is further pushed with a roller so that the embossed marks of the card are left on the pressure-sensitive paper. remain. With this method, pressure on the card is unavoidable.

48th! In the case of (b), while the card is being fed by the feed roller 8, the light emitting part 10 in the emboss reading part 9 receives reflected light from the card by the light receiving part 11, and this is sent to the reading circuit 12. from analog, signal to digital 1
This is to convert it into the M number.

This digital signal can be stored as information in memory, stored in a recording device such as a magnetic disk device, and furthermore, sent to a printer as print data so that it can be printed. I can bring it. If printed, a trace of card usage confirmation will remain in a form similar to the result shown in FIG. 4(a). This method requires an emboss reader and a third mechanism for sending the card. If there is no card feeding mechanism, it is necessary to move the embossed reader itself.

In the current situation where cards have to be transported over long distances to collect the emboss, it is difficult to create a system that allows cards to be returned under any circumstances.

Next, an embodiment of the present invention will be described with reference to FIG. 1 and subsequent figures.

13 is the card body, which is the same as 1. 2 is a magnetic stripe. Reference numeral 14 is a plate for displaying the card user's signature, for example, the surface is slightly roughened, and the card user's signature is directly written on with a pen or other means. For example, when creating a cart, a signature written on a separate sheet of paper is read using OCR or the like, and this is printed on 14 or transcribed by means such as adding a mark II using a laser beam or the like. 15 is a contact point in case of an IC cart.

FIG. 2 is a diagram showing a storage location of information obtained by reading the signature shown in FIG. 14 using an optical reading means such as OCR. In this case, the information may be in any format as long as it can be recorded. Figure 2 (a) shows part 1 on the magnetic stripe 2.
6 shows that the magnetic information of the signature is recorded as part of the write information. FIG. 2(b) shows recording in the memory 19 in the integrated circuit I7 embedded in the IC cart. Note that 18 is a CPU that executes calculations.

These recorded cart use confirmation information can be read in the same way as normal card record information, and if the read information is printed on a printer, for example, card use can be confirmed. By recording the user's signature and its read information (card use confirmation information) in the cart, it is possible to confirm the use of the cart without preparing a special mechanism within the device. When creating a cart, the conventional embossing device used to process the cart can be replaced by recording the signature and reading the signature. This simplifies the mechanism of the device using the cart.

Furthermore, this method is effective for cards that are susceptible to deformation, such as IC carts, because the card is not deformed when creating a cart or confirming its use.

Needless to say, this method can be applied regardless of conditions such as the material of the cart or whether it has a logic circuit inside.

Furthermore, if the signature of the cart owner does not need to be displayed, only the usage confirmation information may be recorded.

Furthermore, although the description has been limited to a signature, it is clear that any information that can be used to identify the person, such as a stamp or a fingerprint, may be used.

[Effects of the Invention] According to the present invention, it is possible to accurately read the usage confirmation information of a transaction medium without providing a special mechanism, and furthermore, there is no mechanical loss to the medium ζ.

[Brief explanation of the drawing]

Fig. 11 is a partial view of the cart according to the embodiment of the present invention, Fig. 2 is an explanatory diagram showing the storage location of the embodiment of the present invention, Fig. 3 is an explanatory diagram of the conventional method, and Fig. 4 is a diagram of card use according to the conventional method. It is an explanatory diagram of confirmation. 1...Magnetic card, 2...Magnetic stripe, 3...
・Emboss, 14...Signature display section, 16...Card usage confirmation information recorder, (magnetic stripe), 19...
・Cart usage confirmation information recording unit (memory) $ l Figure
2.1 Shi6λ tiger 4p Figure 2 (a'(b) $ 4 圀

Claims (1)

[Claims] 1. A transaction medium used at the time of transaction is characterized by comprising a display section for displaying an identification code of the medium and a storage section for storing image information of this identification code. transaction medium. 2. Claim 1, wherein the image information of the identification code is stored on the same medium as medium usage confirmation information.
Transaction medium as stated.