JPH04213785A - Card and card processor - Google Patents

Abstract

PURPOSE:To offer the card with which an illegal operation cannot be executed, and to offer the card processor with which an illegal processing cannot be executed to the card. CONSTITUTION:The card is constituted of a first magnetic layer 3 in which a fixed data part 12 consisting of card intrinsic data is formed, and a second magnetic layer in which a variable data part 13 consisting of charge data and verifying information is formed, and whose coercive force is smaller than that of the first layer. Also, the card processor is constituted so that an identification code of the card is read and permission and unpermission of use are decided, based thereon, and also, the use is permitted, when the charge data is within a range of the amount corresponding to a perforated position.

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention is a car that records charge information in advance, deducts the charge information each time it is used, and allows the estimated remaining amount to be visually checked through a hole.
This article concerns the code and its processing equipment.

0002

[Prior Art] There is a prepaid card system in which a card with charge information recorded magnetically is purchased in advance, and the charge information is deducted and rewritten each time it is used, and can be used as long as there is remaining amount. It is widely used in various industries. When the same system is used in various industries, information that can identify the card, such as the industry code, is added and recorded along with the charge data when the card is issued. By reading and identifying data, it was possible to differentiate between industries. Further, with regard to charge data, different charge information is not recorded on the card using a bar code printed on the card.

0003

[Problem to be solved by the invention] However, in this type of issuing method, important information for differentiating between industries is only magnetically recorded. There was a risk that cards for various industries could be issued. In addition, since the barcode printed on the card is visible, the relationship between the barcode and charge information becomes known, increasing the possibility of barcode forgery. Ta. In other words, counterfeiting was possible by purchasing large quantities of low-value cards used in one industry and replacing them with high-value cards in another industry.

[0004] In view of these drawbacks, the present invention makes it impossible to tamper with card data, and also makes it possible to
It is an object of the present invention to provide a card processing device that restricts the use of cards of other denominations.

[0005]

[Means for Solving the Problems] A card according to the present invention includes a first magnetic layer on a base, a second magnetic layer having a coercive force smaller than that of the first magnetic layer, and a protective layer. A code information section that can be read by invisible light is provided on at least one surface, and a group code is provided in the code information section.
an identification code section consisting of a code and an issue amount code, and a perforation detection section; a coating layer that allows the invisible light to pass through is provided so as to cover the code information section; is provided with a fixed data section consisting of at least card-specific data, and the second magnetic layer is provided with at least charge data,
A variable data section consisting of verification information is provided.

The card processing device according to the present invention includes an information demodulation section that reads magnetic information from the first and second magnetic layers, and charge data and card-specific data read by the information demodulation section. a verification information generation section that generates verification information from the card using a predetermined algorithm; a verification information comparison section that compares the verification information read by the information demodulation section with the verification information generated by the verification information generation section; ID code
A code reading section reads data from the card section and the hole detection section, and a group code is read from the identification code section of the card.
a code demodulation unit that separates the code and issuance amount code; a code comparison unit that compares the group code with an internally stored internal identification code; and the above issue amount code.
a charge comparison section that compares the codes, a perforation comparison section that compares the perforation data detected from the perforation detection section and the charge data, the verification information comparison section and the code comparison section. After the match is confirmed, and the rate comparison unit and the punch comparison unit confirm that it meets the predetermined criteria, payment processing using the rate data is permitted, and after the payment is completed, the rate data is a charge processing unit that updates the data;
a recording head for recording the updated charge data and verification information newly generated from the charge data and the card-specific data into at least the second magnetic layer; and a hole-punch mechanism for punching a hole at a predetermined location of the hole-detecting section based on the collected charge data.

Furthermore, the verification information generation section, verification information comparison section, code demodulation section, code comparison section, and charge comparison section are constructed of a one-chip microcomputer in the form of a mask ROM.

[0008]

[Operation] In the card of the present invention, an issue amount code that limits the issue amount and a group code corresponding to the industry are scrambled using a predetermined algorithm, and can be identified by invisible light. It is printed as an identification code,
A perforation detection part that can be identified by invisible light is printed at a position corresponding to the perforation part that displays the remaining amount on the card as a guide. Necessary information such as unique data and verification information is recorded by the issuing device.

[0009] When such a card is loaded, the code is
Data is read from the identification code section and the perforation detection section by the code reading section, and the identification code is separated into a group code and an issue amount code by the code demodulation section. The magnetic information is read by an information demodulator, and data such as charge data, card-specific code, and verification information are extracted. A verification information generation section generates verification information from the charge data and card-specific data using a predetermined algorithm.

The group code is compared to the card by the code comparison section.
The card is compared with the internal identification code stored in the card processing device, and if they do not match, the card is ejected as an unusable card. The charge data is compared with the issue amount code by the charge comparison department, and if the card is within the allowed issue amount, it is allowed to be used, otherwise it is rejected as an unusable card. Ru. The verification information read from the magnetic information is compared by the verification information comparison section with the detection information generated by the verification information generation section, and if they do not match, the card is ejected as an unusable card. Furthermore, the fee data is compared with the data read from the perforation detection part by the perforation comparison part, and if the amount is within the range corresponding to the perforation position, use is permitted, otherwise it is prohibited. - It is discharged as a code.

[0011] After this, payment processing using the charge data is permitted, and when the payment is completed, new verification information is generated from the updated charge data and card-specific data, and the charge data and In addition to rewriting the verification information, the updated price data will also be updated.
Based on the data, a hole is punched at a predetermined location of the perforation detection section and the card is ejected.

[0012] Therefore, even if data is tampered with by using a card from a business that is not permitted by the card processing device due to fraudulent activity, it is possible to make the card unusable, and the charge data can also be deleted. Even if the card is tampered with, it can be rendered unusable if the card is outside the permitted range.
Even if the charge data is tampered with within the range permitted by the card, the use of the card can be disabled.

Furthermore, generation of verification information, comparison of verification information, demodulation of codes, comparison of codes, and comparison of charges are performed using a mask R.
Since this is carried out within an OM-based one-chip microcomputer, security-related information is not transferred onto the signal line, making it possible to maintain extremely high confidentiality.

[0014]

1 and 2 are a plan view and a sectional view of an embodiment of a card used in the present invention, and FIG. 3 is a block diagram showing an embodiment of a card processing apparatus.

In FIG. 1, 1 is a card with a remaining amount printed on its surface in a position corresponding to a picture or a hole, 2 is a polyester base with a thickness of, for example, 250 μm, and 3 is a
4 is a first magnetic layer made of barium ferrite, for example, and has a coercive force of 2000 to 3000 Oe, 4 is a second magnetic layer made of barium ferrite, for example, and has a coercive force of 300 to 1500 Oe, and 5 is a magnetic layer made of barium ferrite, for example, with a coercive force of 300 to 1500 Oe. −
This is a thermal printing layer that develops color when heated by a thermal head, and 6 is a protective layer.

9 is a code information section;
is provided with an identification code section 7 and a perforation detection section 8 in which a code is formed by partially printing a reflective layer that reflects invisible light, such as infrared light (or ultraviolet light). The hole detecting section 8 has a rectangular shape with a width of, for example, 0.2 mm, and a hole is punched in this with a punch pin having a diameter of, for example, about 1 mm. The identification code section 7 is provided in the form of scrambled issuance amount code and group code based on a predetermined algorithm, and is provided in the form of scrambled issue amount code and group code.
When the issued amount of the card 1 is different, the configuration of the identification code section 7 is also different and is formed at the manufacturing stage of the card 1. For example, if the issuance amount is divided by 1000 and the remainder is rounded down, and the issuance amount code is set as the issuance amount code, then when the issuance amount code is "001", the allowable issuance amount is 1000 yen or more and less than 2000 yen. The group code is “100” and the issuance amount code and group code are connected (“001100”).
”) and “123456”, the identification code is “122556”.
This numerical value is converted into a code and printed on the card 1, and an identification code section 7 is provided. The bar portion of the punch hole detection section 8 is provided at a position corresponding to the punch hole position.

Reference numeral 10 denotes a coating layer, which is configured to transmit infrared light but block visible light in order to make the code information section 9 invisible. 11 is a magnetic data track, and this magnetic data track 11 has a fixed data section 12.
and a variable data section 13 are provided. Fixed data section 1
Data that does not need to be updated, such as card-specific data and issue information, is recorded in the first magnetic layer 3 of No. 2. For example, the card specific data is "100000001", the issue amount information is the issuing company code "001", and the date of issue is "901".
224'' is recorded in the second magnetic layer 4 of the variable data section 13. Data that is updated each time the device is used, such as charge data and verification information, is recorded.For example, charge data, verification information, etc. The data is "1500", and the verification information is a value calculated from a predetermined function with two variables: card-specific data and charge data (E = F (x, y)). .

In FIG. 3, reference numeral 21 denotes a code reading section composed of two sets of reflective infrared sensors that combine a light emitting section and a light receiving section, and corresponds to the identification code section 7 and the perforation detection section 8. The code is read from the difference between the reflectance of the identification code section 7 and the hole detection section 8 and the reflectance of other parts.

Reference numeral 22 denotes a code demodulation section, which demodulates the code string read by the code reading section 21 according to a predetermined algorithm to obtain the issuance amount code and group code.
Separate the Reference numeral 23 denotes a reproducing head, which is provided at a position that coincides with the magnetic data track 11. 24 is an information demodulating section, which extracts data from the reproduced waveform of the reproducing head 23.
demodulate to data.

Reference numeral 25 denotes a code comparison section, which compares the group code demodulated by the code demodulation section 22 with an internal identification code set internally in advance to see if they match. judge whether

The internal identification code is set in, for example, a ROM at the manufacturing stage of the card processing device, and therefore cannot be operated from the outside. Reference numeral 26 denotes a charge comparison section, which compares the charge data demodulated by the information demodulation section 24 and the issuance amount code demodulated by the code demodulation section 22, and determines whether the issuance amount code is acceptable. This is to determine whether the data is charge data or not.

A verification information generating section 27 generates verification information from the fee data demodulated by the information demodulating section 24 and the card-specific data based on a predetermined algorithm. Also,
The verification information generating section 27 generates verification information based on a predetermined algorithm from the charge data newly constructed by the charge processing section 30 and the original card-specific data.

A verification information comparison section 28 compares the verification information demodulated by the information demodulation section 24 and the verification information generated by the verification information generation section 27 to determine whether they match. Reference numeral 29 denotes a perforation comparing section, which determines whether the charge data demodulated by the information demodulating section 24 is within the amount range corresponding to the perforation position read by the code reading section 21.

[0024] 30 is a charge processing unit, and an information demodulation unit 24
Payment processing using the demodulated fee data is permitted, and when the payment is completed, the used fee is deducted and the fee data is updated. The charge processing unit 30 is connected to a POS register (not shown), etc., sends charge data to the POS register, receives the amount to be deducted from the POS register,
It can also be configured to perform subtraction processing.

Reference numeral 31 denotes a recording control section, which is a control section for recording into the card 1 variable data that needs to be updated, such as charge data and verification information. 32 is a recording head;
Recording is performed on the card 1 based on instructions from the recording control section 31. The recording head 32 can perform saturation recording on the second magnetic layer 4 having a low coercive force, but cannot perform recording on the first magnetic layer 3 having a high coercive force.

33 is a conveyance control section, which controls normal rotation of the motor,
Performs control such as reversal. Reference numeral 34 denotes a card conveyance mechanism composed of a motor, a conveyor belt, and the like. Reference numeral 35 denotes a perforation control section, which controls the perforation timing and perforation position based on the charge data from the charge processing section 30. 36 is a punching mechanism consisting of a plunger magnet and a punch pin. Reference numeral 37 denotes a print control section, which controls printing contents based on charge data from the charge processing section 30.

38 is a printing mechanism consisting of a thermal head. 39 is a 1-chip microcomputer, and code demodulation section 2
2. The code comparison section 25, the charge comparison section 26, the verification information generation section 27, and the verification information comparison section 28 are integrated into the one-chip microcomputer 3.
9 in the form of a masked ROM.

In such a configuration, when the insertion of the card 1 is detected by a sensor (not shown), the conveyance control section 33 rotates the motor in the forward direction to transfer the card 1 to the code reading section. 21
Transport to. When the card 1 passes through the code reading section 21, the data in the identification code section 7 and the hole detection section 8 are read, and the data in the identification code section 7 is read as a code. The demodulator 22 separates the code into an issue amount code and a group code. For example, when the data "122556" is read from the identification code section 7, it is demodulated to the data "001100" by taking the exclusive OR with "123456", and the issue amount code "001" and group code "100".

Furthermore, when the card 1 is conveyed and passes the reproducing head 23, the magnetic data track 11
data is read, and the information demodulator 24 converts the charge data into
card, card-specific data (e.g. “100000001”)
), verification information (E), and other data are extracted. When the card 1 finishes passing over the playback head 23, the transport control section 3
3 stops the motor. From the charge data and card-specific data, the verification information generation unit 27 generates verification information (E' = F (charge data, card-specific data)) based on a predetermined algorithm. generated.

The group code is an internal identification code "100" set in advance in the code comparison section 25.
It is checked whether the card belongs to the type of industry to be issued. If it is determined that there is an abnormality, the conveyance control section 33 reverses the motor and the card 1 is removed. The charge data is compared with the issuance amount code in the charge comparison section 26 to check whether it is within the permitted issuance amount range. According to the above, the issue amount code is “001”
In this case, if the issued amount is within the range of 1000 to less than 2000, it is considered normal. If it is determined that there is an abnormality, the conveyance control section 33 reverses the motor and the card 1 is removed.

The verification information (E) read from the card 1 is checked in the verification information comparing section 28 to see if it is the same as the verification information (E') generated by the verification information generating section 27. If it is determined that there is an abnormality, the conveyance control section 33 reverses the motor and the card 1 is removed. Further, the fee data is checked in the perforation comparison section 29 to see if it is within the amount range corresponding to the perforation position read from the perforation detection section 8. If it is determined that there is an abnormality, the conveyance control section 33 reverses the motor and the card 1 is removed. Thereafter, the fee processing unit 30 permits payment processing using the fee data, and allows goods to be sold or sold by a goods vending machine or service providing device (not shown) attached to the card processing device of the present invention. It becomes possible to provide services.

When payment is made from the charge data, the charge processing section 30 subtracts the amount used from the original charge data and updates the data to new charge data. Verification information generation unit 27
generates new verification information from the updated charge data and card-specific data. When the conveyance control section 33 starts normal rotation of the motor and a sensor (not shown) detects that the card 1 has been conveyed to the recording head 32, the recording control section 3
1 to the recording head 32, variable data such as new charge data and verification information is transferred to the second magnetic layer 4.
recorded in

When the recording is completed, the motor is reversed, and the recording is confirmed by the reproducing head 23. The motor is rotated in the normal direction again, and based on the new rate data, if it is time for the hole to be drilled, the hole control section 35 applies current to the hole hole mechanism 36 to drive the hole at a predetermined location in the hole detection section 8. Perform a punch hole. Furthermore, the printing control unit 37 drives the printing mechanism 38 to print the charge data and processing date on the thermal printing layer 5 of the card 1, and then reverses the motor to print the card. - Return card 1.

In the above embodiment, the fixed data section 12 and the variable data section 13 are provided on one track, but a two-head structure and separate track structures may also be used. Further, although the explanation has been given using an example of a card having a two-layer magnetic layer, it goes without saying that a card having a shield layer provided on the magnetic layer may also be used.

In addition, in this embodiment, an example of a code information section constructed by partially printing a reflective layer was shown, but a reflective layer is printed over the entire area of the code information section, and this reflective layer is The code information section may be constructed by printing a partially hollow absorbent layer on top of the layer.

FIG. 4 is a flowchart for explaining the operation of the embodiment shown in FIG.

[0037]

As explained in detail above, the card of the present invention has a first magnetic layer on a base and a second magnetic layer having a coercive force smaller than that of the first magnetic layer. A code information section readable by invisible light is provided on at least one surface, and an identification code consisting of a group code and an issue amount code is provided in the code information section. A cover layer that transmits invisible light is provided to cover the code information section, and a fixed data section consisting of at least card-specific data is provided in the first magnetic layer. In addition, the second magnetic layer is provided with a variable data section consisting of at least charge data and verification information.
Although data can be recorded on the magnetic layer and the second magnetic layer of the card, card readers that use this card for bill payment only need to rewrite the data on the second magnetic layer. The card reader can be configured so that the data in the first magnetic layer cannot be rewritten, and tampering with the data by the card reader can be prevented. Furthermore, the cards are differentiated by a physically installed information section that is not visible to the naked eye.
Since the information section is provided at the manufacturing stage of the card, it becomes even more difficult to tamper with the card.

The card processing device of the present invention also includes an information demodulation section that reads magnetic information from the first and second magnetic layers of the card, and charge data and card data read by the information demodulation section. - a verification information generation unit that generates verification information from the code-specific data using a predetermined algorithm, and a verification information comparison unit that compares the verification information read by partial information demodulation with the verification information generated by the verification information generation unit; A code reading section reads data from the card's identification code section and the punch-hole detection section, and separates the group code and issue amount code from the card's identification code section. A code demodulation unit that compares the group code and an internally stored internal identification code, and a charge comparison unit that compares the charge data and the issued amount code. The punch hole comparison section compares the perforation data detected by the punch hole detection section and the charge data, and the verification information comparison section and the code comparison section confirm the coincidence, and the charge comparison section and a charge processing unit that permits payment processing based on the charge data after it is confirmed by the punch comparison unit that the data meets predetermined judgment criteria, and updates the charge data after the payment is completed; - a recording head that records verification information newly generated from the charge data and card-specific data in at least the second magnetic layer; The hole detection section has a hole punching mechanism that punches a hole at a predetermined location, so even if you try to insert large amount of charge data into a card with a low face value, it can be rejected by the charge comparison section. Even if an attempt is made to increase the face value of a card, the face value of the card is determined at the manufacturing stage, making it difficult to falsify it. Similarly, since a code that determines whether or not a card can be used in a card processing device is provided at the manufacturing stage of the card, it is not possible to use a card from a business that is not permitted in the processing device. Even if it is tampered with, it can be rendered unusable.

[0039] Also, each card has different card-specific data.
Since verification information is generated and verified using a predetermined algorithm from data and charge data, even if the charge data is tampered with within the range permitted by the card, it will become unusable. be able to.

Furthermore, algorithms for generation of verification information, demodulation of codes, comparison of verification information, comparison of codes,
Data processing such as price comparisons and raw data such as group codes are fixed in hardware during the manufacturing stage of the one-chip microcomputer's mask ROM, so it is impossible to read them. , it is possible to configure a system with extremely high security.

[Brief explanation of the drawing]

FIG. 1 is a plan view and a sectional view of an embodiment of the card of the present invention.

FIG. 2 is a cross-sectional view of the embodiment of FIG. 1;

FIG. 3 is a block diagram showing the configuration of an embodiment of the card processing device of the present invention.

FIG. 4 is a flowchart for explaining the operation of the embodiment of FIG. 3;

[Explanation of symbols]

1 Card 2 Base 3 First magnetic layer 4 Second magnetic layer 5 Thermal printing layer 6 Protective layer 7 Identification code section 8 Perforation detection part 9 Code information department 10 Coating layer 11 Magnetic data track 12 Fixed data section 13 Variable data section 21 Code reading section 22 Code demodulation section 23 Play head 24 Information demodulation section 25 Code comparison section 26 Price comparison department 27 Verification information generation section 28 Verification information comparison section 29 Hole comparison section 30 Charge processing department 31 Recording control section 32 Recording head 33 Conveyance control section 34 Card transport mechanism 35 Perforation control section 36 Perforation mechanism 37 Print control section 38 Printing mechanism 39 1 chip microcomputer

Claims (3)

[Claims] Claim 1: A first magnetic layer on a base;
A second magnetic layer having a coercive force smaller than that of the magnetic layer and a protective layer are sequentially laminated, a code information section readable by invisible light is provided on at least one surface, and a group is attached to the code information section. An identification code consisting of a program code and an issue amount code.
a code section and a perforation detection section, a coating layer that transmits the invisible light so as to cover the code information section, and a fixed magnetic layer that includes at least card-specific data on the first magnetic layer. 1. A card characterized in that a data section is provided, and a variable data section consisting of at least charge data and verification information is provided in the second magnetic layer. 2. An information demodulator for reading magnetic information from the first and second magnetic layers of the card according to claim 1, and charge data and card-specific data read by the information demodulator. a verification information generation section that generates verification information from the card using a predetermined algorithm; a verification information comparison section that compares the verification information read by the information demodulation section with the verification information generated by the verification information generation section; a code reading section that reads data from the identification code section and the punch-hole detection section of the card, and separates the group code and issue amount code from the identification code section of the card. A code demodulation section compares the group code with an internally stored internal identification code, and a code comparison section compares the charge data with the issuance amount code. A charge comparison section, a perforation comparison section that compares the perforation data detected by the perforation detection section and the charge data, and a match is confirmed by the verification information comparison section and the code comparison section. At the same time, after it is confirmed by the charge comparison section and the punch comparison section that the charge data meets predetermined criteria, payment processing using the charge data is permitted, and the charge data is updated after the payment is completed. a charge processing section, the updated charge data, this charge data and the card;
a recording head for recording newly generated verification information from the card-specific data into at least the second magnetic layer; and a recording head for recording newly generated verification information from the card-specific data into a predetermined location of the perforation detection section based on the updated charge data. A card processing device having a punching mechanism for punching holes. [Claim 3] The verification information generation section, the verification information comparison section, the code demodulation section, the code comparison section and the charge comparison section are masked R.
3. The card processing device according to claim 2, wherein the card processing device is constituted by a one-chip microcomputer configured as an OM.