JP2003132308A - Credit card also used as commutation ticket - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card having a conventional commutation ticket function, an SF card function, a coupon ticket function in a single card and also having functions of shopping, purchasing a commutation ticket, supplementing the balance of the SF card, and supplementing the number of the coupon ticket by mounting a non-contact IC part having a transportation card function and a magnetic part having a financial function on the single card and having a rewrite surface. SOLUTION: This card is provided with a first IC part capable of exchanging data in a non-contact state, and a magnetic stripe capable of exchanging the data in a contact state. This card is so formed that the first IC part has the transportation card function and the magnetic stripe has a credit card function.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a magnetic card with an IC in which a non-contact IC, a magnetic portion, and a contact IC are mounted on a single card, and the single card has an IC having a credit function and a commuter pass function. The present invention relates to a magnetic card and its read / write system.

[0002]

2. Description of the Related Art Conventionally, a contact type magnetic card has been used for a commuter pass. When the card is used, the card is inserted into a card reader, and the personal information stored in the magnetic part of the card reader and other traffic information. It was in the form of being used by reading information. As a result, the data stored in the magnetic card is read and written, and the magnetic card ejected after a predetermined check is received. On the front of the card, valid sections (start and end), transfer stations, valid period (start date, end date), user's name, age, fare, issue date, issue business vehicle name, commuter pass number Etc. are printed,
When the card reader is out of order, the station staff checks and uses the information printed on the card surface.

After the expiration date of the commuter pass, it cannot be rewritten, so it is a disposable item.
(Stradofare) Cards, coupons and tickets are the same, not only will waste increase, but it will also cost money to make a commuter pass again. Currently, the cost is added to the fare and billed when making a commuter pass.

If the commuter pass is lost or stolen,
Reissuance was impossible due to the fact that only the commuter pass could prove the owner, and the commuter pass could not be disabled.

Further, it is necessary to use cash or a separate credit card for new purchase or renewal of a commuter pass, and it is not necessary to use a credit card if cash is prepared before new purchase or renewal. .

As described above, the current situation is that the commuter pass does not have to be renewed and the credit card does not have to be carried.

[0007]

With the commuter pass as described above, the user needs to insert his or her magnetic card into the card reader each time he / she gets on or off the vehicle. Further, after receiving the predetermined check, it is necessary to receive the magnetic card discharged from the card read / write system, and these operations are very complicated for the user.

Further, since the processing speed of the card reader is naturally limited, there is a problem that it causes congestion during rush hours.

Therefore, a contactless card is equipped with a contactless IC, in which information such as personal information and ticket number is stored in a first memory included in the first IC which is a contactless IC. Provide a commuter pass / credit card that can be checked just by passing without a reader.

In recent years, a commuter pass equipped with a non-contact IC and capable of checking only by passing through has been put into practical use. This is different from the conventional commuter pass using a magnetic card, and the commuter pass expiration date Although it is technically possible to renew after the arrival, users do not need to renew, so it is mostly for the user to discard the one that has reached the renewal deadline.

Further, in the case of theft or loss, it is difficult for the commuter pass user to prove the theft or loss, and there is no function to prevent the commuter pass from being stolen or lost. It was impossible to reissue the commuter pass.

By integrating a commuter pass equipped with a non-contact IC with a credit card, it is possible to prompt the renewal of the commuter pass since there is no one to discard the credit card (necessity of renewal). Even if viewed from the side, by integrating with the commuter pass, there is no one who does not always carry the commuter pass, so it is possible to encourage the credit card to be carried all the time (necessity to carry it). We will provide such a convenient commuter pass and credit card.

At the same time, the first I which is a non-contact IC
By storing the ticket number associated with the credit number in the first memory included in C, the transportation company can also manage the commuter pass, and in case of theft or loss, reissue, theft, The use of a lost commuter pass can be stopped, and a commuter pass / credit card with a signature is provided.

The present invention has been made under the circumstances as described above, and an object of the present invention is to provide a first IC section, which is a non-contact IC having a commuter pass function on one card, and a credit function. The second IC part, which is a contact IC, is equipped with a magnetic stripe and has a rewrite surface, so that one card has the conventional commuter pass function, SF card function, coupon ticket function, and even shopping. Another object of the present invention is to provide a commuter pass / credit card that is highly portable and has the functions of purchasing a commuter pass, supplementing the balance of an SF card, and supplementing the number of coupons.

[0015]

The present invention relates to a credit card that also serves as a commuter pass, and the above object of the present invention is to provide a first IC unit capable of exchanging data in a non-contact state and data in a contact state. In a card having both a second IC unit capable of exchanging information and a magnetic stripe, the first IC unit stores a coil having an antenna function and a first user information stored in the card. The second IC unit includes a memory, a second contact unit that exchanges data in a contact state, and a second memory that stores information of a user of the card. The stripe has a structure including a second contact portion for exchanging data in a contact state and a third memory for storing information of the user of the card, and the first IC portion is regularly arranged. Ticket machine It has, is accomplished by further said second IC unit and the magnetic stripe has a credit card function.

Further, the above-mentioned object of the present invention is that a rewrite surface is further provided on the magnetic card with an IC for visual recognition, and new information can be updated and displayed on the rewrite surface when data is updated. , Or because the ticket number is stored in the first memory included in the first IC unit, or the first I
In the card read / write system, the C section can read / write the information of the user's card in a non-contact state by being able to update the commuter pass function by using the ticket number. Includes a non-contact IC read / write unit capable of reading / writing the user's card in a non-contact state, and a non-contact IC of the user's card read by the non-contact IC read / write unit.
Data authentication unit for authenticating whether the information stored in the memory is valid, a card insertion unit for inserting the user's card, and information stored in the contact IC or magnetic stripe of the user's card. A contact IC or a magnetic stripe read unit that can read the information, an input unit that a user can input to the system, an authentication unit that authenticates whether the information input from the input unit is valid, and the input A user purchase information storage / transmission unit that stores and transmits information purchased by the user, a rewrite surface rewriting unit that rewrites the rewriting unit on the user's card with new information purchased by the user, and It has a card ejection unit for ejecting the user's card, and not only can it be verified whether the memory of the user's card is valid, but also the user's card description. By is possible that updating a single card with the contact IC unit and the magnetic stripe portion is more effectively achieved.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention provides a card in which a credit function is added to a commuter pass used by a user. As a commuter pass, it has a commuter pass function, a SF card function, a coupon ticket function, etc., and all of the transportation functions are non-contact ICs.
It is managed by part C (hereinafter referred to as non-contact IC part),
The usage balance and the like are read and written to the first memory in the first IC unit which is a non-contact IC.

Furthermore, it is possible to update the commuter pass using the ticket number.

The second IC section (hereinafter referred to as a contact IC section) which is a contact IC and the magnetic stripe have a credit function, and the second memory and the magnetic stripe included in the second IC section have a credit function. The credit function is used when new or renewing a commuter pass, replenishing the balance of the SF card function, replenishing the number of times of a coupon, etc. by using the personal credit information stored in the included third memory. And make a purchase. It should be noted that this credit function can be used for ordinary shopping and the like, as with a normal credit card.

The commuter pass / credit card according to the present invention will be described below with reference to the drawings.

FIG. 1 is an example of a front view of a commuter pass / credit card according to the present invention.

On the magnetic card 1 with an IC, a contact IC section 2 having a credit function, a magnetic stripe 4 having a credit function similar to the contact IC section 2, commuter pass information, SF card information, coupon ticket A rewrite surface 3 on which information and the like are written, a security hologram credit brand mark 5 for preventing card forgery, a credit emboss 6 on which credit information is written, commuter pass information,
It has a non-contact IC 7 having SF card information, coupon information, and the like.

The contact IC unit 2 and the magnetic stripe 4 have a credit function, and credit card information of a card user is stored in a second memory included in the contact IC unit 2 and a third memory included in the magnetic stripe 4. Has been done.

The rewritable surface 3 is made of a leuco type rewritable material using a leuco dye and can be rewritten by coloring the dye. The name, age, use section, start date of use, The expiration date, issue office, etc. are listed.

The security hologram credit brand mark 5 is provided to prevent counterfeiting of the card, and is provided with a holographic credit mark.

The credit emboss 6 is attached with card information such as a credit card number and an expiration date of the card.

The non-contact IC 7 includes traffic information such as commuter pass information, SF card information, coupon ticket information, etc. in the first memory included in the non-contact IC 7, the use section, start date of use,
The expiration date, issue place, etc. are stored and function as a commuter pass. Further, the ticket number is stored and used when the card is lost or stolen, or when the traffic information is updated.

The user uses the non-contact IC 7 when using the card for transportation (train, bus, etc.). As the non-contact IC 7, a non-contact IC having a mechanism disclosed in Japanese Patent Laid-Open No. 10-269331, etc. is used.
If the distance to the non-contact IC read / write unit of the read / write system according to the present invention, which will be described below, is within a certain distance, whether in a pocket or in a back,
You can pass through the ticket gates of transportation facilities by communicating with radio waves even when you are in your wallet. This is realized by bidirectional communication with the coil 8 having the antenna function included in the non-contact IC section 7. When the information stored in the first memory is commuter pass information, it is possible to prevent the commuter pass information from being transmitted to the non-contact IC reader / writer section so as to be valid for passing through the ticket gate. To authenticate. Furthermore, it is possible to check the illegal use by writing the information of the boarding station and the getting-off station in the first memory.

The information stored in the first memory is SF
In the case of card information, authentication is performed by bidirectionally communicating with the non-contact reader / writer unit as in the case of commuter pass information. At that time, it is essential to write the information of the boarding station and the getting-off station in the first memory, and further, the balance is stored in the first memory as the balance information.

When the information stored in the first memory is the coupon ticket information, authentication is performed by bidirectionally communicating with the non-contact reader / writer section as in the case of the commuter ticket information. At that time, the information of the boarding station and the getting-off station is written in the first memory, and the number of coupon tickets is reduced as balance information.

The ticket information stored in the first memory is used for updating the commuter ticket, supplementing the SF card information, and the balance of the ticket information, which will be described later.

Inside the non-contact IC 7, at least a first memory and a coil 8 having an antenna function are included, and more specifically, a CPU, a coil, a memory, and a transmission / reception control circuit are incorporated. The coil 8 receives a signal from the non-contact IC reader / writer and generates a DC voltage by electromagnetic induction, and the transmission / reception control circuit demodulates downlink data and uplink data. The demodulated signal writes data in the memory via the CPU. The upstream data read from the memory is CP
Drive the coil 8 via U and the transmission / reception control circuit,
It is transmitted to the non-contact IC reader / writer.

As a result, the confirmation of the use section, the expiration date, etc. of the commuter pass, the SF card, the coupon ticket is completed by the non-contact IC reader / writer section. The remaining balance is rewritten as necessary, and in the case of a coupon ticket, the number of times stored in the memory is reduced as necessary.

Since this is not a conventional magnetic confirmation, the commuter pass is taken out and inserted into a card reader.
It is possible to omit a series of operations such as removing the ejected card after confirmation. As a result, time and mechanical effort can be saved and smoother operation can be expected.

When purchasing each of the commuter pass, SF card, and coupon ticket, the information must be stored in the first memory. In this case, the ticket number stored in the first memory, or the magnetic stripe portion 4 and the contact IC portion 2 provided together on the card may be used to purchase by using the credit function. .

When a new commuter pass is purchased, the user, age, address, period of use, start date, etc. are input in a timely manner or stored in the magnetic stripe section 4 or the non-contact IC section 7. The commuter pass function is created based on the information that is available.
The commuter pass information is printed on the rewrite unit 3 and can be visually recognized.

When purchasing an SF card, the user, age, address, usable amount, etc. are input at appropriate times, or based on the information stored in the magnetic stripe section 4 or the non-contact IC section 7, A prepaid card function is created.
The prepaid card information is printed on the rewrite unit 3 and can be viewed.

When purchasing a coupon ticket, the user, age, address, use section, etc. are input in a timely manner or based on the information stored in the magnetic stripe section 4 or the non-contact IC section 7, A ticket function is created. The coupon information is printed on the rewriting unit 3 and can be visually recognized.

[0039] Of course, it is possible to purchase a commuter pass, a prepaid card, and a coupon ticket even if cash is used without using the credit card function, but more conveniently, only the card can be used if the credit card function is used. It can be purchased at.

The credit card function can be used for other things such as shopping, as in the case of a normal credit card, and it is possible to collect and use conventionally separate cards.

Furthermore, when updating these information,
A unique ticket number associated with the credit ID included in the credit function as a pair is stored in the first memory of each card, and this ticket number is used by each transportation company and credit card company for the card. The personal data of is stored. By reading this data from the database, it is possible to omit the same information when updating the traffic information, and it is also possible to provide the same function as the credit function and settle only with the non-contact IC section. is there.

When the card is stolen or lost, the system can reissue the ticket based on the ticket number.

The user information sorted by the ticket number, which is unique to each card, is put into a database and installed in a transportation company and a credit company. In case of theft or loss, the user informs the transportation company or credit company. The transportation company or credit company that has received the information searches the above database based on the user's name, etc., and reads the ticket number of the card used by the user. The ticket number is made unusable and reissued using a card with a new ticket number. The traffic information transmitted / received by the non-contact IC reader / writer unit when passing through the ticket gate of the transportation facility can be reissued in order to determine whether the ticket number is valid at the time of authentication.

FIG. 2 shows an example of a card read / write system provided at a ticket gate of a transportation facility.

The card read / write system 10 includes a non-contact IC reader / writer section 11 for reading / writing a non-contact IC card, and a data authentication section 12 for authenticating card data read by the non-contact IC reader / writer section.
A card insertion part 13 into which a user's card is inserted, a contact IC lead part 13 for reading data from a second memory included in the contact IC part, and a magnetic reading device for reading data from a third memory included in the magnetic stripe. Stripe read unit 14 and input unit 15 for inputting a user's personal identification number, etc.
And an authenticating unit 1 for authenticating whether the user is valid and whether the commuter pass is valid, and further authenticating the card information (traffic information) read by the contactless IC reader / writer.
6, a user information transmitting / receiving unit 17 for transmitting / receiving user purchase information such as a commuter pass purchase amount to a database server of a card user based on a credit company or a ticket number, and a rewrite surface. Rewrite surface rewriting section 18 for rewriting, and card ejection section 19 for ejecting a card
And have.

Furthermore, a server 20 including a database of card users sorted by ticket number and a credit server 30 managing a credit function are installed outside the card read / write system.

The user uses the card read / write system 10
When using (when passing through a ticket gate of a transportation facility), the user possesses a magnetic card with an IC owned by the user and uses it if it passes within a certain distance from the contactless IC reader / writer 11. It is possible to send and receive using radio waves to and from the non-contact IC of the person's card, and the authenticating unit 16 determines whether the user and the traffic information are valid based on the read traffic information in the first memory. Make a distinction. The authentication unit 16 reads the user information from the server 20 using the user information transmission / reception unit 17 and authenticates the user. If the traffic information stored in the card is commuter pass information, it is determined whether the stored commuter pass information is valid, and if it is a SF card or a coupon ticket, the usage status (boarding station, alighting station, (Via route, etc.), the contactless IC read / write unit 11 communicates with the contactless IC read / write unit 11, and the data obtained by subtracting the charge and the number of times from the user's card is used by the contactless IC read / write unit 11. It is transmitted to the contact IC unit and stored in the first memory. This makes it possible to control the passage of ticket gates for transportation.

Further, the card read / write system 10 can update the commuter pass, replenish the prepaid amount, replenish the coupon ticket, and the like with the following functions.

When the user wants to update the commuter pass, replenish the prepaid amount, replenish the coupon, etc., the user inserts the magnetic card with the non-contact IC of the user from the card insertion section 12. The credit information is read in the magnetic stripe lead portion 13 or the contact IC lead portion 14. The user inputs necessary items from the input unit 15 in order to newly, update, and replenish the personal identification number for using the above credit function, as well as the commuter pass function, prepaid function, and coupon ticket function. The authentication unit 16 determines whether the data is valid based on the information provided by the server 20 or the credit server 30 by using the user information transmitting / receiving unit, and if the data is valid, the purchase information is again used by the user. It is transmitted to the server 20 and the credit server 30 using the purchase information transmitting / receiving unit. In addition, the rewriting section 18 of the user's card is rewritten with new information, and the contactless I
The C read / write unit 11 rewrites the information stored in the non-contact IC unit 7 of the card with new information. The card is ejected from the card ejection unit 19 and the process is completed.

When the ticket number stored in the first memory of the card is used to update or supplement the traffic information, the card is inserted from the card insertion section 12 and the contactless IC reader / writer section is inserted. 11, the ticket number is read from the first memory of the card. The user inputs the update period and the like using the input unit 15, and the authentication unit 16 authenticates based on the information. The authenticating unit 16 uses the user information transmitting / receiving unit 17 to authenticate with the information provided by the server 20, and if correct, the rewrite surface rewriting unit 18
Send the card to. Further, the update information is transmitted to the server 20 using the user information transmitting / receiving unit 17 and stored therein.
The ticket number is also sent to the credit server 30, and the user charges the fee in the same manner as the credit. After that, the card is sent to the rewrite surface rewriting unit 18, the updated information is rewritten on the rewrite surface, and the user receives the card from the card ejection unit 19.

The credit function can be diverted to a debit card function such as a bank card, and all card functions can be integrated into one card.

[0052]

As described above, according to the commuter pass / credit card of the present invention, by combining the commuter pass function and the credit function, which are all separate in the past, into a single card, It is possible to perform all functions such as the SF card function, the coupon ticket function, and the credit card function with one card. As a result, the commuter pass / credit card according to the present invention can have the necessity of updating the commuter pass and the necessity of carrying the credit function. Moreover,
Even in the case of renewal of a commuter pass, the credit function is installed in one card, so renewal and replenishment can be done without any troublesome procedure.

Non-contact IC even if it is stolen or lost
Since the issuer side manages the commuter pass information stored in the database in the database, the new card can be re-created based on the personal information (age, name, date of birth, etc.) of the person who possessed the card. It is possible to issue it.

As an example, if the present card read / write system is used while riding on a bus, the commuter pass and credit card can be integrated so that the commuter pass can be renewed and settled in the car while on the bus. Is possible.

As a result, the portability and nameability of the card can be improved, garbage problems such as suppression of card disposal, and economic efficiency can be improved.

[Brief description of drawings]

FIG. 1 is an example of a configuration diagram of a magnetic card with an IC.

FIG. 2 is an example of a card read / write system.

[Simple explanation of symbols]

1 magnetic card with non-contact IC 2 contact IC 3 rewrite surface 4 magnetic stripe 5 security hologram credit brand mark 6 credit emboss 7 non-contact IC 8 coil 9 first memory 10 card reader / writer system 11 non-contact IC reader / writer section 12 card Insertion unit 13 Magnetic stripe read unit 14 Contact IC read unit 15 Input unit 16 Authentication unit 17 User information storage unit 18 Rewrite surface rewriting unit 19 Card ejection unit 20 Server 21 Credit server

   ─────────────────────────────────────────────────── ─── Continued front page    F-term (reference) 2C005 HA03 HA24 HB13 HB20 JA02                       JA18 JA26 JB08 JB31 JC02                       KA01 KA15 KA27 KA28 KA40                       LA17 LA18 LA19 LB04 LB18                       LB25 LB34 MA04 MB07 MB10                       NA03 NA08                 5B035 AA06 BB02 BB09 BC00 CA11

Claims (4)

[Claims] 1. A card having both a first IC section capable of exchanging data in a non-contact state and a magnetic stripe, wherein the first IC section has a coil having an antenna function and a card user. A first memory for storing information of the card, the magnetic stripe, a second contact portion for exchanging data in a contact state, and a third memory for storing information of a user of the card. A structure including a memory, wherein the first IC section has a commuter pass function, the magnetic stripe has a credit card function, and the commuter pass function and the credit card function are provided on the same card. A credit card that also serves as a commuter pass. 2. A ticket ID functioning as a card number of the commuter ticket is stored in the first memory included in the first IC unit together with the commuter ticket function. A credit card that also serves as a commuter pass. 3. The commuter pass according to claim 2, wherein the boarding ticket ID and the credit ID included in the credit function and specifying the credit number of the card are uniquely stored as a pair for each card. Dual credit card. 4. The commuter pass / combined credit card according to claim 3, wherein the commuter pass function can be updated using the boarding pass number.