JP2000163553A - Card-like medium and card-like medium processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To more surely discriminate genuineness of a card-like medium and that of a user. SOLUTION: A card-like medium has a base material 12 where conductive fibers 11 are dispersed and a magnetic recording layer, and credit information 13a of the owner, discrimination information 13b related to genuineness of the card-like medium 1, and personal discrimination information 13c of the genuine owner are written in the magnetic recording layer, and these information are ciphered and compared with read information at the time of using the card-like medium, thereby discriminating genuineness of the card-like medium and that of the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card-like medium, such as a cash card or a credit card, supposed to be used only by a specific individual, which prevents unauthorized use by a third party, and a card-like medium for these cards. It relates to an apparatus for processing a medium.

[0002]

2. Description of the Related Art Card-like media such as cash cards and credit cards are to be used by the owner of the card. Conventionally, as a card-like medium that prevents forgery, falsification, and falsification of these card-like media, and that can determine whether the user of the card-like medium is the true owner, JP-A-6-8
7287], [JP-A-6-183186], [JP-A-6-183186]
-243304], a card-shaped medium in which conductive fibers are dispersed in an embossed portion or a sign panel portion of a card-shaped medium or a base material has been proposed. Above all, in Japanese Patent Application Laid-Open No. 6-243304, a card-like signal is obtained by combining a signal obtained by detecting a dispersion state of a conductive fiber dispersed in a base material with a microwave sensor and a signal obtained by reading a face photograph with an optical sensor. Methods for determining the authenticity of a medium and a user have been proposed.

[0003]

However, the above-mentioned documents [JP-A-6-87287] and [JP-A-6-18318]
In the method of [6], if a third party obtains a card that has been legally issued by picking up a card-like medium, the card may become a genuine owner and may be used illegally. It was not sufficient for the purpose of preventing unauthorized use of the medium. Further, Japanese Patent Application Laid-Open No. Hei 6-243304 points out that the accuracy of distinction between a genuine user and a third party is low particularly in information obtained by reading a face photograph with an optical sensor. Thus, even if the degree of dispersion of the conductive fibers dispersed in the base material of the card-shaped medium is sufficiently random, when the photograph is intentionally replaced on the picked-up card, etc., the genuine user can paste the card. If the signal read by the optical sensor of the face photo of the replaced third party is similar, there is a possibility that the third party and the genuine user may be mistakenly recognized, and the purpose is to prevent unauthorized use of the card-shaped medium. Is not enough.

[0004] The present invention solves the problems of the above-mentioned conventional methods, and provides a card-like medium capable of more reliably determining the authenticity of the card-like medium itself and the authenticity of the user, and these card-like media. It is an object of the present invention to provide an apparatus for processing the data.

[0005]

For this purpose, a card-like medium according to the present invention is provided with a magnetic recording layer and a protective layer for covering the magnetic recording layer on one surface of a base material in which conductive fibers are dispersed. A card-shaped medium having a printing surface on the other side of the base material, wherein the magnetic recording layer includes credit information of the card-shaped medium owner, identification information on the authenticity of the card-shaped medium, and Personal identification information regarding authenticity is recorded.

As a method of processing the card-shaped medium, the processing apparatus is provided with a microwave sensor for detecting the conductive fiber and a sensor for acquiring personal identification information for acquiring personal identification information. When the card-shaped medium is issued, the credit information (a) and the personal identification information (c) are each encrypted using the dispersion state signal of the conductive fiber in the base material detected by the microwave sensor as an encryption key. And recording on the magnetic recording layer, and recording the dispersion state signal of the conductive fiber as identification information (b) relating to the authenticity of the card-shaped medium. When the card-shaped medium is used, (1) the microwave Comparing the similarity between the output signal from the sensor and the information (b) read from the magnetic recording layer to determine whether the card-shaped medium is genuine; 2) The similarity between the personal identification information acquired by the personal identification information acquisition sensor and the information (c) recorded on the magnetic recording layer is compared in an encrypted state, and the similarity is equal to or greater than a prescribed threshold. In this case, a step of determining that the combination of the card-shaped medium and the user determined to be genuine in the step (1) is genuine; and (3) a step of using the card-shaped medium in the step (2). Decoding the credit information recorded on the magnetic recording layer only when it is determined that the combination of the authenticator is genuine.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS [Description of First Embodiment] [Description of Configuration] FIG. 1 is a schematic structural view of a card-shaped medium according to a first embodiment of the present invention. The card-shaped medium 1
A magnetic recording layer 13 and a protective layer 14 are provided on one surface of a base material 12 in which conductive fibers 11 are dispersed, and a printed surface 15 is provided on the other surface. Conductive fiber 1 in the present embodiment
1 is a fiber-like material having conductivity as the name suggests, and in addition to a metal processed into an elongated fiber-like shape, a resin fiber coated with a metal or the like by vapor deposition or the like, a carbon fiber, or the like can be considered. The dispersion region of the conductive fiber is not particularly specified, and it is sufficient that the dispersion region corresponds to at least the sensing region of the microwave sensor 2 described later, and there is no problem even if the dispersion region is dispersed over the entire region of the base material 12.

The magnetic recording layer 13 has three recording bands, and credit information of the owner and information serving as a reference for identifying the authenticity of the card and the user are recorded in each recording band. For convenience of explanation, the recording band for writing the credit information of the owner is the magnetic recording layer 13 (a), the recording band for recording the identification information on the authenticity of the card is the magnetic recording layer 13 (b), and the identification on the authenticity of the user. The recording band for recording information is the magnetic recording layer 13 (c). In FIG. 1, each recording band of the magnetic recording band 13 is 3
Although it is divided, it can be divided into three in the length direction.

FIG. 2 is a schematic diagram of a card-like medium processing apparatus according to the first embodiment of the present invention. The apparatus includes a microwave sensor 2 for detecting the dispersion state of the conductive fiber 11 in the card-shaped medium 1, a magnetic head 3 for reading information from and writing information to the magnetic recording layer 13, and identification information. The optical sensor 4 reads a fingerprint. In FIG. 2, the microwave sensor 2 is shown in the form of measuring a reflected wave from the card-shaped medium 1, but the oscillating section and the receiving section of the microwave sensor 2 are opposed to each other, and the card-shaped medium 1 passes between them. Alternatively, the transmitted wave from the card-shaped medium 1 may be measured.

[Explanation of Operation] The operation when the card-shaped medium 1 according to the present embodiment is issued will be described with reference to FIG. In the processing device, the card-shaped medium 1 is transported in a predetermined direction, and the dispersion state of the conductive fiber 11 in the sensing area of the microwave sensor 2 is detected by the microwave sensor 2. Further, the optical sensor 4 reads the fingerprint of the genuine owner of the card-shaped medium. Microwave sensor 2
Is used as an encryption key, and the credit information of the owner and the signal output from the optical sensor 4 are encrypted. The encrypted credit information of the owner is recorded on the magnetic recording band 13 (a), the output signal itself from the microwave sensor 2 is recorded on the magnetic recording band 13 (b), and the encrypted output signal from the optical sensor is recorded on the magnetic recording band 13 (a). 13 (c) via the magnetic head 3.

Next, the operation when the card-shaped medium 1 according to the present embodiment is used will be described with reference to FIG. FIG.
The encircled numbers (,,) indicate the order of processing. As in the case of the issuance of the card-shaped medium 1 described above, the card-shaped medium 1 is conveyed in a predetermined direction in the processing device, and the microwave sensor 2 and the optical sensor 4 respectively use the conductive fiber in the sensing area of the card-shaped medium 1. 1
The fingerprint of the user at the time of dispersion state 1 at that time is read. At this time, the output signal from the microwave sensor 2 and the magnetic head 3
And the signal read from the magnetic recording band 13 (b) is compared. If the similarity between the two signals exceeds a predetermined threshold value, it is determined that the card-shaped medium 1 is authentic (). Next, a signal obtained by encrypting the output signal from the optical sensor 4 with a signal read from the magnetic recording band 13 (b) and a signal read from the magnetic recording band 13 (c) are compared, and the similarity between the two signals is compared. Is greater than a predetermined threshold, it is determined that the combination of the card-shaped medium 1 and the user that has already been determined to be authentic is authentic.
(). Only when it is determined that the combination of the card-shaped medium 1 and the user is genuine, the credit information recorded in the magnetic recording band 13 (a) is based on the signal read from the magnetic recording band 13 (b). Decrypted ().

Since the dispersion of the conductive fiber 11 into the base material 12 is performed at random, the dispersion state is random and it is almost impossible to intentionally forge. Therefore, by comparing the output signals from the microwave sensor 2, it is possible to discriminate and prevent forgery or falsification of the card-shaped medium itself from the material side.

[0013] Further, since the fingerprint is unique to each individual as is already known, a signal read by the optical sensor is transmitted to the owner himself / herself, for example, like a signal obtained by reading a face photograph by the optical sensor. Third parties are unlikely to be similar. By encrypting this signal with the signal in the dispersed state of the conductive fiber, the authenticity of the combination of the card-shaped medium and the user can be reliably determined, and unauthorized use by a third party due to falsification of magnetic recording or the like is prevented. It is possible to do.

In this embodiment, an example is shown in which a signal read from the magnetic recording band 13 (b) is used as an encryption key for fingerprint information read by the optical sensor 4 when a card-shaped medium is used. Thus, a signal read from the microwave sensor 2 can be used, and the same effect can be obtained.

In this embodiment, the use of fingerprint information read by an optical sensor as user identification information has been described as an example. Instead of fingerprint information, iris (iris) information read by an optical sensor is used. Can also be used,
Similar effects can be obtained.

As described above, according to the present embodiment, the authenticity of the card-shaped medium itself is determined from the material surface based on the dispersion state of the conductive fibers dispersed in the base material of the card-shaped medium. Forgery and alteration can be reliably prevented.

Further, since credit information of the owner, fingerprint information and iris (iris) information are recorded on the card in a state of being encrypted in a dispersed state of the conductive fiber, a third party can read the magnetic record or the like. Can reliably prevent such information from being obtained.

Further, the authenticity of the combination of the card-shaped medium and the user is determined by comparing the fingerprint information and the iris (iris) information in a state where the information is encrypted in the dispersed state of the conductive fiber. Unauthorized use by a third party due to falsification of the file can be reliably prevented.

In addition to these effects, the state of dispersion of the conductive fibers dispersed in the card-like medium itself is a key for determining the authenticity of the user and a key for decrypting the credit information of the owner. This eliminates the need for the owner (user) to memorize the personal identification number and the like and the need for a self-signed signature as a means of confirming the user himself, as in the past. Can be greatly reduced.

Therefore, the method of this embodiment greatly improves the safety, reliability, and simplicity of a card-like medium, such as a cash card or a credit card, intended for use by a specific individual.

[Explanation of Second Embodiment] [Explanation of Configuration] FIG. 4 is a schematic diagram of a card-like medium processing apparatus according to a second embodiment of the present invention. Since the card-shaped medium in the present embodiment is the same as the card-shaped medium in the first embodiment, detailed description is omitted here, and the same elements as those in FIGS. Divert numbers. The apparatus includes a microwave sensor 2 for detecting a dispersion state of the conductive fiber 11 in the card-shaped medium 1, a magnetic head 3 for reading information from the magnetic recording layer 13 and writing information to the magnetic recording layer 13,
An acoustic sensor 5 reads a voiceprint as personal identification information. In FIG. 4, the microwave sensor 2 is shown in a form for measuring the reflected wave from the card-shaped medium 1, but the oscillating section and the receiving section of the microwave sensor 2 are opposed to each other, and the card-shaped medium 1 passes between them. There is no problem even if the transmitted wave from the card-shaped medium 1 is measured.

[Explanation of Operation] The operation when issuing the card-shaped medium 1 in this embodiment will be described with reference to FIG. In the processing device, the card-shaped medium 1 is transported in a predetermined direction, and the dispersion state of the conductive fiber 11 in the sensing area of the microwave sensor 2 is detected by the microwave sensor 2. Further, the sound sensor 5 reads the voice print of the genuine owner of the card-shaped medium. At this time, the words uttered by the genuine owner to obtain the voiceprint function as a kind of password. The signal output from the microwave sensor 2 is used as an encryption key, and the credit information of the owner and the signal output from the acoustic sensor 5 are respectively encrypted. The encrypted credit information of the owner is recorded on the magnetic recording zone 13.
In (a), the output signal itself from the microwave sensor 2 is written in the magnetic recording band 13 (b), and the encrypted output signal from the acoustic sensor 5 is written in the magnetic recording band 13 (c).

The operation when the card-shaped medium 1 according to the present embodiment is used will be described with reference to FIG. Note that the circled numbers in the figure indicate the order in which the processing is performed. As in the case of the issuance of the card-like medium 1 described above, the card-like medium 1 is conveyed in a predetermined direction in the processing device, and the microwave sensor 2 and the acoustic sensor 5 respectively use the conductive fiber in the sensing area of the card-like medium 1. 11 dispersion states,
The voiceprint of the user at that time is read. At this time, the output signal from the microwave sensor 2 is compared with the signal read from the magnetic recording band 13 (b) by the magnetic head 3, and when the similarity between the two signals exceeds a predetermined threshold, It is determined that the card-shaped medium 1 is authentic (). Next, a voiceprint signal is extracted from an output signal from the acoustic sensor 5, and a signal obtained by encrypting the signal with a signal read from the magnetic recording band 13 (b) and a signal read from the magnetic recording band 13 (c) are extracted. If the similarity between the two signals exceeds a predetermined threshold value, the combination of the card-shaped medium 1 and the user, which has already been determined to be authentic, is determined to be authentic (). Only when it is determined that the combination of the card-shaped medium 1 and its user is genuine, the credit information recorded in the magnetic recording band 13 (a) is based on the signal read from the magnetic recording band 13 (b). ().

Since the dispersion of the conductive fiber 11 into the base material 12 is performed at random, the dispersion state is random and it is almost impossible to intentionally forge. Therefore, by comparing the output signals from the microwave sensor 2, it is possible to discriminate and prevent forgery or falsification of the card-shaped medium itself from the material side.

Also, since the voiceprint is unique to each individual as is already known, the signal read by the acoustic sensor is transmitted to the owner as in the case of a signal obtained by reading a face photograph by an optical sensor, for example. Third parties are unlikely to be similar. By encrypting this signal with the signal in the dispersed state of the conductive fiber, and furthermore, by using the word for obtaining the voiceprint as a kind of password as described above, the authenticity of the combination of the card-shaped medium and the user is obtained. Can be accurately determined, and unauthorized use by a third party due to falsification of magnetic recording or the like can be prevented.

As described above, according to the present embodiment, the authenticity of the card-shaped medium itself is determined from the material surface based on the dispersion state of the conductive fibers dispersed in the base material of the card-shaped medium. Forgery and alteration can be reliably prevented.

Also, since the credit information of the owner and the voiceprint information are recorded on the card in a state of being encrypted in a dispersed state of the conductive fiber, a third party can read such information by reading a magnetic record or the like. Acquisition can be reliably prevented.

Furthermore, the authenticity of the combination of the card-shaped medium and the user is determined by collating the voiceprint information in a state where the voiceprint information is encrypted in the dispersed state of the conductive fiber. In addition to functioning as a password, unauthorized use by a third party due to falsification of magnetic recording can be reliably prevented.

In addition to these effects, the state of dispersion of the conductive fibers dispersed in the card-like medium itself is a key for determining the authenticity of the user and a key for decrypting the credit information of the owner. This eliminates the need for a self-signed signature or the like as a means for verifying the identity as in the related art, thereby greatly reducing the inconvenience of using a card-shaped medium.

Therefore, according to the present embodiment, the security, reliability and simplicity of a card-like medium, such as a cash card or a credit card, intended for use by a specific individual are greatly improved.

Since a general-purpose acoustic sensor can be used as the acoustic sensor used in the present embodiment, it is possible to minimize an increase in cost in technical development and device manufacturing.

Note that the present invention is not limited to the above-described embodiment, and various modifications can be made based on the gist of the present invention. In the first embodiment, the microwave sensor and the optical sensor are combined, and in the second embodiment, the microwave sensor and the acoustic sensor are combined, and the signal output from the microwave sensor is used as a key for encryption, and the optical sensor and the acoustic sensor are used. The output signal was encrypted and recorded on the card-like medium, and the output signal from the optical sensor or acoustic sensor read at the time of use was encrypted in a dispersed state of the conductive fiber previously recorded on the card-like medium. An example is shown in which the authenticity of the combination of the card-shaped medium and the user is determined by comparing the card and the personal identification signal recorded on the card-shaped medium. The encrypted signal is decrypted by the signal of the dispersed state of the conductive fiber recorded on the card-shaped medium, and the optical sensor or sound read at the time of use is decoded. Output signal directly compared from capacitors, it is also possible to determine the authenticity of a combination of a user and card media, it is possible to obtain the same effect.

Further, in order to further enhance the effect, it is possible to simultaneously perform the processes in the above two embodiments.

[0034]

As described above in detail, according to the present invention, a card-shaped medium is coated with a magnetic recording layer on one surface of a substrate in which conductive fibers are dispersed and the magnetic recording layer. A card-like medium provided with a protective layer and having a printing surface on the other side of the base material, wherein the magnetic recording layer includes credit information of the card-like medium owner and identification information on the authenticity of the card-like medium. And personal identification information relating to the authenticity of the user, and a microwave sensor for detecting the conductive fiber, and an individual for acquiring the personal identification information. An identification information acquisition sensor is provided, and when the card-shaped medium is issued, the credit information (a) and the personal identification are used as an encryption key using the dispersion state signal of the conductive fiber in the base material detected by the microwave sensor. information( ) And together with that recorded in the magnetic recording layer by encrypting each of the dispersion state signal of the conductive fibers is recorded as the identification information and (b) authenticity of the card-like medium, in use of the card-like medium,
(1) comparing the similarity between the output signal from the microwave sensor and the information (b) read from the magnetic recording layer to determine whether the card-shaped medium is genuine; and (2) The similarity between the personal identification information acquired by the sensor for acquiring personal identification information and the information (c) recorded on the magnetic recording layer is compared in an encrypted state, and when the similarity is equal to or greater than a prescribed threshold value, Determining that the combination of the card-like medium and the user determined to be genuine in the step (1) is genuine; and (3) determining the combination of the card-like medium and the user in the step (2). Decoding the credit information recorded on the magnetic recording layer only when the combination is determined to be genuine, the following effects can be obtained. The authenticity of the card-like medium itself is determined from the material surface based on the dispersion state of the conductive fibers dispersed in the base material of the card-like medium, so that forgery and falsification can be reliably prevented.・ Because the credit information and personal identification information (fingerprint information, iris (iris), and voiceprint information) of the owner are recorded on the card in a state of being encrypted in a dispersed state of the conductive fiber, it is necessary to read the magnetic record. It is possible to reliably prevent three parties from obtaining such information. -The authenticity of the combination of the card-shaped medium and the user is determined by collating the personal identification information in a state where the conductive fiber is dispersed and encrypted, so that unauthorized use by a third party due to falsification of magnetic recording or the like is possible. Use can be reliably prevented.・ Since the dispersion state of the conductive fibers dispersed in the card-shaped medium itself becomes a key for determining the authenticity of the user and a key for decrypting the credit information of the owner,
Unlike in the past, the owner (user) does not need to remember the personal identification number or the like and does not need to write his / her own signature as a means of confirming the user himself. Can be reduced.

[Brief description of the drawings]

FIG. 1 is a schematic structural diagram of a card-shaped medium in first and second embodiments.

FIG. 2 is a schematic diagram (at the time of issuance) of a processing apparatus according to the first embodiment.

FIG. 3 is a schematic diagram (when in use) of a processing apparatus according to the first embodiment.

FIG. 4 is a schematic diagram (at the time of issuance) of a processing apparatus according to a second embodiment.

FIG. 5 is a schematic diagram (when in use) of a processing apparatus according to a second embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Card-shaped medium 2 Microwave sensor 3 Magnetic head 4 Optical sensor 5 Acoustic sensor 11 Conductive fiber 12 Base material 13 Magnetic recording layer 14 Protective layer 15 Printing surface

Claims (2)

[Claims] 1. A card-shaped medium having a magnetic recording layer and a protective layer covering the magnetic recording layer provided on one surface of a substrate in which conductive fibers are dispersed, and a printed surface on the other surface of the substrate. Wherein the credit information of the card-like medium owner, identification information on the authenticity of the card-like medium, and personal identification information on the authenticity of the user are recorded on the magnetic recording layer. Card-like medium. 2. The method for processing a card-like medium according to claim 1, wherein the processing device includes a microwave sensor for detecting the conductive fiber and a personal identification for acquiring personal identification information. An information acquisition sensor is provided, and at the time of issuing the card-shaped medium, the credit information (a) and the personal identification information are used as an encryption key using the dispersion state signal of the conductive fiber in the base material detected by the microwave sensor. And (c) are recorded in the magnetic recording layer after being encrypted, and the dispersion state signal of the conductive fiber is recorded as identification information (b) relating to the authenticity of the card-like medium. (1) comparing the output signal from the microwave sensor with the information (b) read from the magnetic recording layer to determine whether the card-shaped medium is genuine. And (2) comparing, in an encrypted state, the similarity between the personal identification information acquired by the personal identification information acquisition sensor and the information (c) recorded on the magnetic recording layer, and the similarity is defined as specified. When the value is equal to or more than the threshold value, a step of determining that the combination of the card-shaped medium and the user determined to be authentic in the step (1) is authentic; and (3) The card is determined in the step (2). Only if the combination of the media and the user is determined to be authentic
Decoding the credit information recorded on the magnetic recording layer.