JPH0725459U - Travelers Denomination Bank Card - Google Patents

Abstract

(57) [Summary] (Modified) [Purpose] It has versatility, foreign exchange exchangeability, convenience and reliability, and is very effective especially for overseas travel and short-term stay type business trips.
We provide travelers' denomination bank cards, which are magnetic stripe cards and IC cards exclusively for travelers. [Composition] The currency mark 1, card name 2, issuing bank name 3, etc. are printed and printed on the main body of the magnetic stripe card and IC card, and the issuing bank nationality identification number 4, issuing bank identification number 5, currency identification number, denomination Nation unit display number 6, revolving card number 7, card expiration date 8, customer name 9, etc. are displayed in relief, magnetic stripe or I
A card constructed by entering a 16-digit card number and issuing bank card payment code into the C chip, and displaying card usage precautions in the customer signature field.

Description

[Detailed description of the device]

[0001]

[Industrial applications]

 This device is a bank card in which the card issuing bank is the payer of the card and guarantees the payment, and the bank can sell this card to anyone who does not have a bank account in advance. This card can be freely used within the range of card balance at domestic and foreign foreign exchange banks that have a card business alliance with a bank issuing bank, ATM (cash payment machine) of a card company, and card terminals of a member company of a card company. It is possible to withdraw and pay money, has foreign exchange exchangeability, and has travel insurance, theft, loss insurance, etc. Since it can be used in a wide range of areas inside and outside Japan, it is suitable for overseas travelers and short-stay overseas business travelers. It is worth using. In addition, the nationality of the issuing bank and the identification number of the bank are attached with a total of 16 digits for all card numbers, and the number of currency units for card denomination (gold type) and the number of revolving card numbers can be displayed. The same revolving card number can be used frequently at any issuing bank by combining the and revolving card numbers.

[0002]

[Prior art]

 Traditionally, there are credit cards, bank cards, and prepaid cards. Card numbers are continuous.

[0003]

[Problems to be solved by the device]

 These cards had the following drawbacks: (B) Credit cards cannot be issued without an individual bank account, and it is necessary to open a bank account. Even if the credit guarantee of the card company and the loan line of the bank are set, the payment of the card is owned by the card. Since it is made with the bank account of the person concerned, there is credit uncertainties such as debt insolvency and self-bankruptcy, and there are inconveniences especially due to restrictions on use in foreign countries. (B) General bank cards cannot be used overseas. (C) Conventional prepaid cards can only be used to purchase goods and enjoy services in a limited area with a small amount of money, and cannot be used abroad. If the card is lost or stolen, there is no owner indication and the ownership of the card cannot be claimed. (D) The conventional card number is a continuous type and becomes a huge number over time. The present invention has been made to eliminate these drawbacks.

[0004]

[Means for Solving the Problems]

 (B) Card issuing banks can sell their cards in advance to anyone who does not have a bank account. (B) The host computer dedicated to the card centrally manages the card information to improve security. (C) The card payer is not an individual customer but an issuing bank, and through card business alliances with foreign banks and card companies, added value by enhancing international utility value and foreign exchange exchangeability. (D) We made it possible for customers to choose from a large number of currencies and denominations (by type of money) to buy. . (E) A denomination (gold type) is set to facilitate the handling, organization, and management of cards, and all card numbers are 16 digits in total. Issuing bank nationality, bank identification number, currency unit, and revolving card. Displayed the number. Since the card expiration date is set to 10 years, even if the revolving card number is issued by the same issuing bank with 5 million cards of the same denomination (gold type) per year, the 8-digit card number rotates once. It will take about 20 years to do so, so it will be possible to reuse the pre-used card number again over time. When using the previous card number again, there is no problem as long as it does not overlap with the personal identification number of the owner of the previous card. (F) Cards for which the expiry date of use has passed 10 years will be sent from the card host computer. And its balance is transferred to a card sleep special account and managed.

[0005]

[Action]

 The issuing bank can sell this card in advance to anyone who does not have a bank account, and no bad credit card will be generated. Since the card business is centrally managed by the card-dedicated host computer, it is possible to minimize unauthorized use of the card. Since the payer of this card is the issuing bank, it is highly reliable and within the range of the card balance, the withdrawing bank at the main branch of the issuing bank and the ATM (cash payment machine) of the card business partner bank in Japan and overseas and the membership of the card company Payment at the store is more flexible than with conventional cards, and travelers and short-term business travelers can purchase a card from a bank in the destination country and receive card services as if they were ordinary deposit customers. . All 16-digit card numbers display the issuing bank's nationality, bank identification, currency unit, and revolving card number, making it easier to handle, organize, and manage cards. The expiration date of the card has been set to 10 years from the date of issue, and the rotational speed of the revolving card number has been increased to enable reuse of pre-existing numbers.

[0006]

【Example】

 1st procedure The issuing bank asks the customer to select the desired card from the existing Japanese currency or foreign currency traveler's denomination bank cards, and specifies the card number and amount in the card purchase application form. Fill out and ask the customer to fill out their address, name, telephone number and PIN to sign. Second step The issuing bank obtains the card number from the card-dedicated host computer of the card center, inputs the card information such as the customer's card number, amount, address, name, and telephone number code into the host computer and stores it in the card body. Issue the card number and the Roman name of the customer in relief. 3rd step Card payment is issued by the host bank of the issuing bank at the travel destination and ATM of the card business partner bank (automated cash dispenser) when withdrawing cash. When connected to a computer and the customer enters a card PIN, payment is made at the same time as cash withdrawal. In addition, payments for goods purchased at terminals of member stores of card business affiliated card companies are billed to the issuing bank after a period of time through the line of the card company. Fourth procedure When the card balance is exhausted, the card number, customer name, address telephone number, personal identification number, etc. are automatically deleted from the host computer of the issuing bank and the card becomes invalid. The issuing bank mails the card statement (card statement) to the customer. The erased card number is recorded and transferred to another computer system until the card number of the same denomination (gold type) makes one revolution.

[0007]

[Effect of device]

 (1) The issuing bank sells the card in advance to anyone who does not have a bank account or anyone. (2) Since the issuing bank has created currency and denomination (gold type) cards in advance, customers can freely select and sell them. (3) Since the card business is centrally managed by the host computer, it is easy to deal with theft, loss, or accident of the card, and it is possible to prevent misuse by a third party because the PIN is not entered in the magnetic band of the card body. (4) Bad credit cards will not be generated for the issuing bank. (5) For the customer, the card has the payment guarantee of the issuing bank, foreign exchange exchangeability, travel obstacles, theft, loss insurance, etc., and the cashing service at the major foreign banks and the payment service of the card company are received, so the purpose of secondment is It is convenient for traveling and business trips to the country. (6) Card business For affiliated banks and member companies of card companies, the card payer is the issuing bank, not the individual customer, so it is reliable and can be handled with confidence. (7) All 16-digit card numbers make it easier to handle, organize, and manage cards by issuing bank nationality, bank identification number, currency unit, and revolving card number. (8) By setting the expiry date of the card to 10 years from the date of issue, the rotational speed of the revolving card number has been sped up so that the pre-used number can be reused.

[Submission date] November 9, 1993

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction content] [Detailed description of the device]

[0001]

[Industrial field of application] The present invention relates to a travel card in which bank cards are classified by currency according to currency. Since the issuing bank opens a bank control card payment account (bank management card payment dedicated account) to automatically settle the card with the same card number as the issuing bank, those who do not have a bank account And you can sell it to anyone in advance. This card presents an ID card within the range of the card balance at the ATM (cash accepting machine) of domestic and foreign foreign exchange banks and card companies that have formed a card business alliance with the issuing bank and branch bank. It can be used freely in a wide range of domestic and overseas areas because it can freely withdraw money, has foreign exchange exchangeability, and has travel obstacles, theft, loss insurance, etc. In addition, customers can easily purchase magnetic stripe cards from major foreign banks in overseas travel destination countries or overseas business trip destination countries and traveler's denomination cards such as IC cards, and the same bank as general customers of issuing banks. Since it is possible to receive the service, it is useful and useful as a travel card for travelers and as a life card for overseas business travelers for short-term stays. If the issuing bank and other domestic and overseas banks and card companies form a business alliance for handling this card so that it can be used at ATMs and card merchants of each bank, further added value and utility value will be generated. come. In addition, the nationality of the issuing bank and the identification number of the bank are attached with a total of 16 digits for the card number, the currency identification number of the card and the denomination (money type) unit number can be displayed, and the revolving card number can be displayed. By combining the identification number, denomination unit number and revolving card number, any issuing bank can issue cards of up to 9 types of domestic and foreign currencies and 14 types of denominations. The currency and amount of the issued card can be confirmed by the currency identification number and denomination unit. The 16-digit card number can be used as is as the card settlement account number of the issuing bank. The rotating card number of the card number is controlled separately by the card number control file of the host computer for the unused card number and the used card number, but the used card number can be reused after a certain period of time. Easy card issuing control. The nationality identification number, bank identification number, currency identification number and denomination unit of the issuing bank can be fixed in the 16 digits of the above card number, and the fixed number can be entered in advance on the card magnetic stripe or IC card chip. , It is possible to create a large number of semi-finished cards for each currency and for each denomination and manage the inventory. Therefore, at the issuing bank main branch, the issuing bank card center and the rotating card of each currency type through the dedicated high-speed communication network, respectively. You can issue a large number of cards in a short time simply by receiving the number and inputting it into the card magnetic stripe or IC chip, and at the same time displaying the customer name and expiration date as embossed on the card as the card number. Can be done. Travelers Denomination Bankcard Net Balance Confirmation and Payment Reserve System and Issuing Bank. Through the high-speed communication network between card companies, the actual balance of customer cards can be confirmed and payment reserves for card sales can be confirmed from the terminals of card merchants, so the sales can be collected with certainty. Therefore, it has the effect of preventing unauthorized use of cards for issuing banks and card companies, and does not generate bad credit cards.

[0002]

2. Description of the Related Art Conventionally, credit cards, bank cards, prepaid cards, etc. have been issued, but in order for customers to issue credit cards and bank cards, it is necessary to pay the customer's deposit at a specific bank It is necessary to perform a withdrawal procedure from an account or to open a new deposit account. An ordinary bank card can be used for cash withdrawal and domestic remittance purposes between domestic financial institutions, but cannot be used abroad. If you use a specific bank card or credit card, you must show your ID card, and there are many inconveniences due to various payment restrictions. It takes more than a week and time. On the other hand, conventional prepaid cards do not have foreign exchange exchangeability because they are issued for the purpose of simple and narrow areas such as payment of telephone charges, highway tolls, and purchase prices at local shopping malls. Therefore it cannot be used in foreign countries. In addition, if the card is lost or stolen, the card owner cannot be identified, so there is no guarantee of card accident.

[0003]

[Problems to be solved by the device]

 These cards had the following drawbacks: (B) A credit card cannot be issued without an individual bank account, so it is necessary to open a bank account. Even if the payment guarantee of the card company and the loan line of the bank are set, the payment of the card is owned by the card. Since it is made with the bank account of the person who is the bank, the issuing bank and the credit card company also have credit uncertainties such as the customer's debt insolvency and personal bankruptcy. In addition, especially when using it in a foreign country, it is inconvenient because it is necessary to present an identification card and there are restrictions on use. (B) General bank cards cannot be used overseas. (C) Credit cards and bank cards cannot be transferred to a third party. (D) In order to issue a credit card or bank card, it is necessary to go through the procedure of debiting the customer's deposit account of the specified bank for card settlement, and it takes several days or longer to issue the card. (E) Conventional prepaid card Can only purchase goods and enjoy services in a limited area with a small amount of money, and cannot be used abroad because it has no foreign exchange exchangeability. Also, companies other than local shopping districts and financial institutions cannot issue high-value cards because it is very risky to issue high-value prepaid cards for social credibility, management scale, and business management. If the card is lost or stolen, the owner's right cannot be claimed because there is no owner indication. (F) The conventional method of obtaining credit card numbers and bank card numbers is a continuous method and becomes a huge number with the passage of time, and it is not possible to display the currency-specific and denomination identification numbers in the card number. Not suitable for issuing denomination bank cards. (G) In order to issue a conventional credit card or bank card, the card company or bank must confirm the customer's bank account for card payment and enter the computer system for the credit card payment procedure. Therefore, it takes a long time from application to issuance. In addition, since the card number and the card settlement account number are different, it is not possible to obtain a reasonable control number for the card, and it is not possible to issue a large amount in a short time for each currency and money type. (H) Because conventional credit card payments are made using customer bank accounts, it is not possible to make payment reservations (payment reservations) for card payments from the terminal terminals of card companies. The present invention is designed to eliminate these drawbacks because card bad debts are apt to be generated by card companies and customer account holding banks.

[0004]

[Means for Solving the Problems]

 (B) Since magnetic stripe cards and IC cards have different storage capacities and functions, card reader / writers and terminals are different, but both cards have the same and same purpose of use, so both cards can be decided by the same host computer. Control and card number control and other card information controls will appear, so it is possible to issue a traveler's denomination bank card by alternately assigning rotary card numbers of the same currency and denomination (denomination) to both cards. . (B) Unused and used card numbers or expired dormant (sleep) cards for controlling card numbers with a card-dedicated host computer in order to increase efficiency and security of card processing, and control files and card numbers for account balances. Set up the same card payment account and centrally manage card information such as card payments and card accidents. (C) The issuing bank has set up a Bank Control Card Payment Account (bank account card payment account) account dedicated to travelers denomination bank card payments to ensure card payments. No payments will be made except for the amount of denomination. (D) The card payer is the issuing bank, not an individual customer, and has an international utility value due to the card business alliance with domestic and foreign exchange banks and global card companies. And foreign exchange exchangeability can be added to increase added value and reliability. (E) Customers can purchase cards by freely selecting from the issuing bank of the travel destination country, numerous currencies and denominations (denominations). (F) Traveler's denomination bank of magnetic stripe cards and IC cards In order to efficiently handle, organize, and manage clerical work of cards, the card numbers are limited to a total of 16 digits and are detailed below. The issuing bank's (a) nationality identification number, (b) bank identification number, (c) currency identification number, (d) denomination (denomination) unit, and (e) revolving card number are adopted. displayed. (A) The nationality identification number is displayed in the first three digits from 001 to 999. The nationality identification number is geographically divided into 6 economic blocks, and 100 units are assigned to each block. Multiple nationality identification numbers will be assigned to countries and economic superpowers in order to respond without any hindrance. Nationality identification number for each card economic block 1) North America. ． 100 series 2) Asia. ． ． 200s 3) Middle East. ． ． ． ． 300s 4) Europe. 400 series 5) South America. ． 500s 6) Africa. ． 600-series Multinational identification numbers assigned to national powers, large populations, and economic powers United States, Japan, Germany, United Kingdom, Canada, Australia, India, Indonesia, Brazil, China, Russia, etc. (B) Bank identification number is displayed from 01 to 99 in the next two digits of (a), (c) Currency identification number is displayed from 1 to 9 in the next single digit of (b) as shown below. The US dollar is 1, the Japanese yen is 2, the German mark is 3, the British pound is 4, the French franc is 5, the Swiss franc is 6, the Canadian dollar is 7, the Australian dollar is 8, and the Hong Kong dollar is displayed and used as 9. (D) The denomination (denomination) unit is the next two digits of (c). The US dollar, Deutschmark, British pound, and French franc each have 1,000 units, and the Japanese yen has 100,000 units. indicate. (E) Revolving card numbers are displayed from 00000001 to 9999999999. The host computer manages unused card numbers in the unused card number control file and used card numbers in the used card number control file. Since the card expiration date is set to 2 years, the revolving card number is equivalent until the 8-digit card number is rotated once even if the same issuing bank keeps issuing cards of the same denomination (gold type) Since it takes a long time, it is possible to reuse the used card number from the viewpoint of time, and when reusing the used card number, do not use it again with the PIN of the previous card holder. Can be used again. Since it is possible to freely adjust and combine the nationality identification, bank identification, and rotating card number digit number of this card number, by using this card number, card processing and management can be reasonably and efficiently performed. You can do it. (G) (e) The rational way to obtain a card number makes it easier to control the card. The issuing bank's nationality identification number is 2 digits, bank identification number is 3 digits, currency identification number is 1 digit, and denomination unit is 2 digits. By fixing the total eight-digit number, it is possible to create a large number of semi-finished card products by currency and by denomination, and manage the inventory, so that a large number of cards can be issued in a short time. (H) The issuing bank will immediately send a card invalidity notice to the customer regarding the expired card with an unused balance, and confirm the processing of the card balance. (I) The issuing bank will immediately notify the customer of the card with a balance of zero and the invalidity of the card. (N) The numbers of used cards with zero balance and expired cards are automatically processed by computer and transferred to a used card number control file for integrated management. (L) Computer card If the card PIN is incorrectly entered five times or more consecutively by the alert system, an alert report will be printed and a PIN reconfirmation notice will be mailed to the customer. The card account will be automatically suspended for a temporary payment. (Wo) The customer (card holder) transfers the ownership and usage right within the balance of the card to a third party by issuing a transfer notice to the issuing bank, obtaining consent for the transfer, and performing a simple procedure. You can do it. (W) The issuing bank will refund the card balance through the issuing bank head office or the card business partner bank if the customer reports that the card has been lost, stolen, or has expired. (F) Travelers' Denomination Bank Card The issuing bank that is linked to the Net Balance Confirmation and Payment Reserve System. Through the high-speed communication network between card companies, it is possible to check the card balance and pay the payment reservation (payment reservation) for the card payment from the terminal of the card member store, so the issuing bank, the card company, and the card member store can reliably collect the card price. The reliability, added value and use value of the card will be increased.

[0005]

[Action]

 1) The issuing bank can sell this card in advance to anyone who does not have a bank account as if selling a bank check, and no bad credit card is generated. 2) Card operations are centrally managed by a card-dedicated host computer, so cards can be issued reasonably and efficiently. 3) The issuing bank can complete and ensure card settlement by setting up a bank control card payment accant (dedicated account for bank management card settlement) dedicated to card settlement. 4) Since the payer of this card is the issuing bank, it is highly reliable and within the range of the card balance, cash withdrawals at the issuing bank's main branch office and ATMs (cash accepting machines) of card business partner banks in Japan and overseas and card company operations Compared with conventional cards, payments can be made more freely at member stores, and travelers and short-term business travelers can purchase a card from a leading bank in the destination country and receive the same card service as a general customer of that bank. You can 5) A limited 16-digit card number is used to identify the issuing bank's nationality, bank identification, currency identification, denomination unit and revolving card number, etc., and the same card number is used to identify currency, denomination unit and revolving type. Since the card number etc. are used as the issuing bank card settlement account number, the settlement, handling, organization and management of the card can be done reasonably and efficiently. 6) Since the expiration date of the card is set to 2 years from the date of issue, it will take a considerable time for the 8-digit revolving card number to make one revolution. The used card number can be reused sufficiently from the time passage of the rotation. 7) Card issuance Since the nationality identification number, bank identification number, currency identification number, and denomination unit of the bank can be fixed, a large number of semi-finished products cards can be created, inventory management can be performed, and a large amount can be issued in a short time. 8) There is a guarantee system such as the transferability of cards and the refund system (refund), and there is circulation and added value. 9) Travelers Denomination Bank Cart Net Balance Confirmation and Payment Reserve System The issuing bank from the card store terminal. Through the high-speed communication network between card companies, you can check the actual balance of the cards and make a payment reservation (payment reservation) for the card payments of the card member stores.

[0006]

[Embodiments] Embodiments of the present invention will be described below. (A) Issuing bank uses a card-dedicated host computer for a magnetic stripe card and an IC card that are shared by currency and by denomination. (Bank control card payment account) and its general ledger and (b) unused cards and used card number control files and (c) sleep card account control files and (d) travelers denomination bank card net balance confirmation Computer systems such as a payment and payment reserve system and issuing banks. Build a high-speed communication network between credit card companies. (B) The size of the magnetic stripe card and the IC card is 54 mm in length, 85 mm in width, and 0.76 mm in thickness. For both cards, the card number is displayed as a issuing bank card settlement by displaying the issuing bank's nationality identification number 3 digits, bank identification number 2 digits, currency identification number 1 digit, denomination unit 2 digits, revolving card number 8 digits and total 16 digits. The account number also uses the same number as the card number. (C) The issuing bank pre-prints the bank name, currency mark, traveler's bank card, etc. in English and makes a large number of semi-finished magnetic stripe cards and IC cards with blanks for the card number, customer name, expiration date, etc. We will establish a system in which the following 9 currencies and 14 denomination cards can be mass-sold at any time at the issuing bank head office at any time. 1) US dollars, $ 1,000, $ 2,000, $ 3,000, $ 4,000 $ 5,000, $ 6,000, $ 7,000, $ 8,000 $ 9000,10, $ 000, $ 20,000, $ 30,000, $ 40,000, $ 50,000. 2) Japanese Yen, 100,000 Yen, 200,000 Yen, 300,000 Yen, 400,000 Yen, 500,000 Yen, 600,000 Yen, 700,000 Yen, 800,000 Yen, 900,000 Yen 1 ¥, 000,000, ¥ 2,000,000, ¥ 3,000,000 ¥ 4,000,000, ¥ 5,000,000. 3) German mark, 1,000 mark, 2,000 mark, 3,000 mark, 4,000 mark, 5,000 mark, 6,000 mark, 7,000 mark, 8,000 mark, 9,000 mark, 10,000 mark, 20,000 mark, 30,000 mark 40,000 mark, 50,000 mark, 4) British pound, 1,000 pound, 2,000 pound, 3,000 pound 4,000 pound, 5, £ 5,000, £ 6,000, £ 7,000, £ 8,000, £ 8,000, £ 9000, £ 10,000, £ 20,000, £ 30,000, £ 40,000, £ 50,000 5) French Franc , 1,000 francs, 2,000 francs, 3,000 francs, 4,000 francs, 5,000 francs , 6,000 francs, 7,000 francs, 8,000 francs, 9,000 francs, 10,000 francs, 20,000 francs, 30,000 francs to 40,000 francs, 50,000 francs. 6) Swiss franc, 1,000 franc, 2,000 franc, 3,000 franc 4,000 franc, 5,000 franc, 6,000 franc 7,000 franc, 8,000 franc, 9,000 franc, 9, 000 francs, 20,000 francs, 30,000 francs, 40,000 francs, 50,000 francs. 7) Canadian dollar, 1,000 dollar, 2,000 dollar, 3,000 dollar, 4,000 dollar, 5,000 dollar, 6,000 dollar, 7,000 dollar, 8,000 dollar, 9,000 dollar, $ 10,000, $ 20,000, $ 30,000, $ 40,000, $ 50,000. 8) Australian dollar, 1,000 dollar, 2,000 dollar, 3,000 dollar, 4,000 dollar, 5,000 dollar, 6,000 dollar, 7,000 dollar, 8,000 dollar, 9,000 dollar, $ 10,000, $ 20,000, $ 30,000, $ 40,000, $ 50,000. 9) Hong Kong dollar, 1,000 dollar, 2,000 dollar, 3,000 dollar, 4,000 dollar, 5,000 dollar, 6,000 dollar, 7,000 dollar, 8,000 dollar, 9,000 dollar, 10 $ 1,000, $ 20,000 $ 30,000, $ 40,000, $ 50,000. (D) Issuing bank The head office obtains a rotating card number from the unused card number control file for each currency and denomination of the card at its own card center when selling magnetic stripe cards. Issued card number, amount, customer name, Enter card information such as address, telephone number, personal identification number, and expiration date into the host computer, and at the same time enter the card number into the magnetic stripe of the card body, and the card number, customer name and expiration date in Roman letters on the surface of the card body. (E) Issuing bank The head office obtains the revolving card number from the control file for each currency and denomination at the own card center when the IC card is sold, and issues the issuing card number, amount, Card information such as customer name, address, telephone number, personal identification number, and expiration date is stored in the host computer. Enter the card information into the IC chip of the IC card body at the same time, and issue the card with the card number, customer name and expiration date displayed in roman letters on the surface of the card body (f) Card The cash withdrawal settlement by is connected to the host computer of the issuing bank at the issuing bank main branch of the travel destination and the ATM (automatic cash dispenser) of the card business partner bank at the time of withdrawing cash, and when the customer inputs the card personal identification number Settled at the same time. In addition, payment for goods purchase at the terminal of the affiliated store of the card business affiliated card company is billed to the issuing bank after one period through the line of the card company. (G) When the balance of the card becomes zero, the card number, customer name, address telephone number, personal identification number, etc. are automatically erased from the host computer of the issuing bank, and the card becomes invalid. The issuing bank mails the card statement (card statement) to the customer. The erased card number is managed by transferring it to the used card number control file until the 8-digit card number of the same denomination (gold type) rotates once. (H) The issuing bank immediately responds to customer's theft, damage, or loss of the Traveler's Denomination Bank card through its own head office or correspondent bank, and inputs stop payment of the card into the host computer. Also enter information into the computer card alert system. (I) The issuing bank will issue the card number, information and settlement account from the host computer when the customer issues a reissue of the Traveler's Denomination Bank card or a request for a refund (refund) after the customer reports the card accident in (f). After cancellation, issue a new Traveler's Denomination Bank Card equivalent to the balance of the card or issue a ReFund through the issuing bank head office or correspondent bank. (J) Regarding the expired card with an unused balance, the issuing bank will send a notification of the expiration of the card and confirmation of the unused balance processing method to the relevant card customer. (K) The expired card balance of (h) above is transferred to the sleep card control file. (I) The issuing bank receives the customer's card transfer notice and, by accepting it, performs the transfer procedure to the third party for the balance and right to use the card, and transfers it to the transfer with the same card number as the transfer card. Issue a new card under your name. (M) Travelers Denomination Bank Card Net Balance Confirmation and Payment Reserve System and high-speed communication network between the issuing bank and the card company Issue a reservation for payment of card sales from a card member store terminal Bank account settlement account You can enter it in the reservation column of, and at the time when the card company sends the billed amount later, it will be posted from the reservation column to the payment column and will be deducted from the balance and settled.

[0007]

[Effect of device]

 (1) The issuing bank prepaid the card and sells it to anyone who does not have a bank account. (2) When purchasing a card, the customer can freely select and purchase it according to the issuing bank, currency, or denomination of the destination country. (3) Mass production of semi-manufactured cards became possible, enabling mass issuance at one time. (4) The issuing bank centrally manages card operations with a dedicated host computer. You can immediately perform business processing such as card issuance and payment settlement using the line. In addition, it is easy to deal with theft and loss accidents and the contact with the card office can be done smoothly. (5) Traveler's Denomination Bank cards are sold to customers in advance so that the issuing bank and card companies do not generate bad credit cards. (6) The customer has a card with payment guarantee of the issuing bank, foreign exchange exchangeability, travel obstacles, theft, loss insurance, etc., and the cashing service at the major foreign banks and the payment service of the card company are received, so the card is intended for secondment. It is convenient for traveling and business trips to the country. (7) Card business For affiliated banks and card merchants, the payer of the card is the issuing bank, not the individual customer, so it is reliable and can be handled with confidence. (8) There is a nationality identification number, bank identification number, currency identification number, and denomination unit of the issuing bank in the 16-digit card number, and a rotating card number makes it reasonable to process, organize, and manage the card. I was able to go to. (9) By setting the expiry date of the card to 2 years from the issue date, the used card number of the revolving card number can be reused. (10) Since the card can be transferred to a third party, the circulation of the card is improved. (11) Card reissue for accidents such as theft, loss, or damage of a card, or a refund system allows customers to use the card safely while traveling (12) Computer card alert system prevents unauthorized use of the card to a minimum It became easier to maintain. (13) Travelers Denomination Bank Card Net Balance Confirmation and payment reserve system and high-speed communication network between the issuing bank and the card company allow you to make reservations for card payments from the terminals of card member stores, and to use the card's net balance ( Since the actual balance can be calculated, handling is more reliable, card misuse is prevented, and card bad debts do not occur.

[Submission date] May 17, 1994

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction content] [Detailed description of the device]

[0001]

[Industrial field of application] The present invention relates to a travel card in which bank cards are classified by currency according to currency. Since the issuing bank opens a bank control card payment account (bank management card payment dedicated account) to automatically settle the card with the same card number as the issuing bank, those who do not have a bank account And you can sell it to anyone in advance. This card presents an ID card within the range of the card balance at the ATM (cash accepting machine) of domestic and foreign foreign exchange banks and card companies that have formed a card business alliance with the issuing bank and branch bank. You can freely withdraw money, have foreign exchange exchangeability, and have travel obstacles, theft, loss insurance, etc., and can be used in a wide range of areas both inside and outside Japan. It is also possible to issue Correspondent Bank Payment Travelers Denomination Bank Cards with the issuing bank logo different from the issuing bank and the paying bank, so it is possible for customers to issue magnetic stripe cards and ICs of leading foreign banks in overseas travel destination countries and overseas travel destination countries. It is possible to easily purchase a traveler's denomination card of KARD and receive the same banking service as general customers of the issuing bank, so it can be used as a travel card for travelers and as a short-term overseas business traveller. Has value and convenience as a life card in the country of business trip. Since this card can be used at ATMs and card member stores of domestic and foreign banks and card companies that have formed business alliances, further added value and utility value will be generated. In addition, the issuer's nationality and bank identification number are attached with a total of 16 digits, and the card currency identification number and denomination (money type) unit number can be displayed and the revolving card number can be displayed. Number and denomination By combining the unit number and revolving card number, any issuing bank can issue up to 9 types of domestic and foreign currencies and 9 types of denomination cards. The currency and amount of the issued card can be confirmed by the currency identification number and denomination unit. In addition, the 16-digit card number can be used as is as the card settlement account number of the issuing bank. By using the card number control file, it is possible to control the unused card number and the used card number for the rotary card number separately from the host computer. In addition, it takes a considerable amount of time for the 8-digit revolving card number to rotate once, so it is easy to control the card number because the used card number whose expiry date has passed 2 years can be reused after a certain period of time. Is. With this card number control file, the issuing bank can freely retrieve and return the card number from any branch, so that a large number of cards can be issued in a short time. Issuing bank or correspondent bank Traveler's Denomination Bank Card Net Balance Confirmation and Payment Reserve System Through the card company's high-speed communication network Confirm the actual balance of customer card from the terminal of the card merchant and the payment reserve for card sales Since it is possible to collect the sales price. Therefore, it has the effect of preventing unauthorized use of cards for issuing banks and card companies, and does not generate bad credit cards. If the card is stolen, lost or damaged, the customer can request the issuing bank or correspondent bank to issue a leaf card or a substitute card.

[0002]

2. Description of the Related Art Conventionally, credit cards, bank cards, prepaid cards, etc. have been issued, but in order for customers to issue credit cards and bank cards, it is necessary to pay the customer's deposit at a specific bank It is necessary to perform a withdrawal procedure from an account or to open a new deposit account. An ordinary bank card can be used for cash withdrawal and domestic remittance purposes between domestic financial institutions, but cannot be used abroad. If you use a specific bank card or credit card, you must show your ID card, and there are many inconveniences due to various payment restrictions. It takes more than a week and time. On the other hand, conventional prepaid cards do not have foreign exchange exchangeability because they are issued for the purpose of simple and narrow areas such as payment of telephone charges, highway tolls, and purchase prices at local shopping malls. Therefore, it cannot be used as a travel card in foreign countries. Since it can be used by anyone, there is no guarantee that the card owner will be able to use it if it is lost or stolen.

[0003]

[Problems to be solved by the device]

 These cards had the following drawbacks: (B) A credit card cannot be issued without an individual bank account, so it is necessary to open a bank account. Even if the payment guarantee of the card company and the bank's loan line are set, the payment of the card is not done by the card owner. Since it is made with the bank account of the bank, the issuing bank and the card company also have credit uncertainties such as the customer's card debt excess and personal bankruptcy. In particular, when using it in a foreign country, it is inconvenient because it is necessary to present an ID card, which limits usage. (B) General bank cards cannot be used overseas. (C) Credit cards and bank cards must be issued, but the customer's bank account debit procedure for the specified bank must be performed for card settlement, and it takes more than a few days to issue the card. (D) Conventional prepaid The card cannot be used in foreign countries because it can only purchase goods and enjoy services in a limited area with a small amount of money and has no foreign exchange exchangeability. Also, companies other than local shopping districts and financial institutions cannot issue high-value cards because it is very risky to issue high-value prepaid cards for social credibility, business scale and business management. If the card is lost or stolen, there is no owner indication and the ownership of the card cannot be claimed. (E) To issue a conventional credit card or bank card, the card company or bank must confirm the customer's bank account for card payment and enter the computer system for credit card payment procedures. Therefore, it takes a long time from application to issuance. In addition, because the card number and the card settlement account number are different, it is not possible to reasonably issue cards and it is not possible to issue a large number of cards in a short time. (F) Since conventional credit card payments are made using customer bank accounts, it is not possible to make payment reservations (payment reservations) for card payments from the terminal terminals of card companies. Therefore, card companies and banks holding customer accounts are more likely to have bad credit cards. (G) The conventional credit card payment settlement has a grace period of 25 to 55 days, which seems convenient for customers, but this grace period is low income. This is a cause of debt insolvency and self-bankruptcy of the general public and also causes bad debts for issuing banks and card companies. The present invention has been made to eliminate these drawbacks.

[0004]

[Means for Solving the Problems]

 (B) Since magnetic stripe cards and IC cards have different storage capacities and functions, card reader / writers and terminals are different, but both cards have the same and same purpose of use, so both cards can be settled by the same host computer. It is possible to issue Traveler's Denomination Bank Cards by alternately assigning the same currency and denomination (denomination) rotary card numbers to both cards, because it is possible to control the card number and other card information. . (B) Unused and used card numbers for controlling card numbers with a card-dedicated host computer to improve efficiency and security of card processing or expired dormant (sleep) card control files for account balances and Centrally manage card information such as card payment account settings and card payments and card accidents that are the same as the card number. (C) The issuing bank has set up a bank control card payment account (bank management card payment dedicated account) account dedicated to traveler's denomination bank card payments to ensure card payments. No payment can be made except for the amount of denomination. (D) The card payer is not the individual customer but the issuing bank, and has an international utility value due to the card business alliance with domestic and foreign exchange banks and global card companies. And foreign exchange exchangeability can be added to enhance added value and reliability. (E) Customers can freely select cards from the issuing bank of the destination country, various currencies and denominations (denominations). (F) Traveler's Denomination Bank of magnetic stripe cards and IC cards In order to efficiently handle, organize, and manage clerical work for card management, card numbers are limited to a total of 16 digits, as detailed below. It is displayed by adopting (a) nationality identification number, (b) bank identification number, (c) currency identification number, (d) denomination (denomination) unit, and (e) revolving card number of the issuing bank. (A) National identification number is displayed in the first three digits from 001 to 999, (b) Bank identification number is displayed in the next three digits from (a) to 001 to 999, (c) Currency identification number is (b) The next single digit from 1 to 9 is displayed as follows: US Dollar 1, Japanese Yen 2, German Mark 3, British Pound 4, French Franc 5, Swiss Franc 6, Canadian Dollar 7, Australian dollar is displayed as 8 and Hong Kong dollar is displayed as 9. (D) The unit of denomination (denomination) is the next single digit of (c). The US dollar, Deutmark, British pound, French franc, Swiss franc, Canadian dollar, Australian dollar, and Hong Kong dollar are each 1000 units. , Japanese denominations using denomination unit 1 to denomination unit 9 and displaying the denominations of each currency from 1,000 to 9,000 as unit numbers Using denomination unit 1 to denomination unit 9, display denominations from JPY 100,000 to JPY 900,000 as unit numbers. (E) The revolving card number is displayed in the last 8 digits from 00000001 to 9999999999. The unused card number on the host computer is the unused card number control file, and the used card number is the used card number control file. to manage. If the card expiration date is set to 2 years, the revolving card number will be considerably long until the eight-digit card number makes one revolution even if the same issuing bank continues to issue cards of the same denomination (gold type). Since it takes time, it is possible to reuse the used card number from a time point of view. When reusing the used card number, do not reuse it with the password of the previous card owner. You can Since it is possible to freely adjust and combine the nationality identification, bank identification, and rotating card number digit number of this card number, by using this card number, it is possible to perform the card business processing and management reasonably and efficiently. I can. (G) With the reasonable card numbering method of (e), card control becomes easier and the issuing bank's nationality identification number 3 digits, bank identification number 3 digits, currency identification number 1 digit, denomination unit 1 digit, etc. By fixing a total of eight digits, it is possible to create a large number of semi-finished card products by currency and by denomination, and manage inventory, enabling large-scale issuance of cards in a short time. (H) The issuing bank immediately sends the customer a card invalidity notice for the expiration date of the card with an unused balance, and confirms the processing of the card balance. (I) The issuing bank immediately notifies the customer of the card with a balance of zero and the invalidity of the card. (N) The numbers of used cards whose balance is zero or those whose expiration date has expired are automatically processed by computer and transferred to a used card number control file for integrated management. (L) Computer card If the card PIN is incorrectly entered five times or more consecutively by the alert system, an alert report will be printed and a PIN reconfirmation notice will be mailed to the customer. The card account will be automatically suspended for a temporary payment. (Wo) The issuing bank will refund the card balance through the issuing bank head office or the card business partner bank if the customer reports the card is lost, stolen, or expired. (W) Traveler's Denomination Bank Card Net Balance Confirmation and Payment Payment of payments for card balance confirmation and card payments from card merchant terminals through a high-speed communication network between the issuing bank, correspondent bank and card company linked to the reserve system. Since reservations (payment reservations) can be made, the issuing bank, card companies, and card merchants will be able to reliably collect the card price and increase the reliability, added value, and utility value of the card.

[0005]

[Action]

 1) The issuing bank can sell this card in advance to anyone who does not have a bank account as if selling a bank check, and no bad credit card is generated. 2) Card operations are centrally managed by a card-dedicated host computer, so cards can be issued reasonably and efficiently. 3) The issuing bank can ensure complete and complete card settlement by setting up a bank control card payment accant (bank management card settlement dedicated account) dedicated to card settlement. 4) Since the payer of this card is the issuing bank, it is highly reliable and within the range of the card balance, cash withdrawals at the issuing bank's main branch and ATMs (cash accepting machines) of domestic and overseas card business banks and operations of card companies Payments at member stores are more free than with conventional cards, and travelers and short-term business travelers can purchase a card from a leading bank in the destination country and receive card services as if they were ordinary deposit customers. You can 5) A limited 16-digit card number is used to identify the issuing bank's nationality, bank identification, currency identification, denomination unit, and revolving card number. Since the card number etc. are used as the issuing bank card settlement account number, the settlement, handling, arrangement and management of the card can be done reasonably and efficiently. You can check the currency type and denomination from the card number. 6) If the expiration date of the card is set to 2 years from the date of issue, it will take a considerable time for the 8-digit revolving card number to make one revolution. The used card number can be reused sufficiently from the time course of the rotation. 7) Since the nationality identification number, bank identification number, currency identification number and denomination unit of the card issuing bank can be fixed, it is possible to create a large number of semi-finished products and manage inventory. 8) If the customer has stolen, lost or damaged the card, there is a guarantee system such as reissuance of the card and a refund system (refund). 9) Travelers' Denomination Bank Card Net Balance Confirmation and Payment Reserve System The credit balance of the card is confirmed from the terminal of the card member store terminal through the high-speed communication network between the issuing bank and the card company, and the payment reserve for the card payment of the card member store is reserved. (Payment reservation) can be made. 10) Computer card number control files make it easier for issuing banks to (a) control unused card numbers, (b) control used card numbers, and (c) control dormant (sleep) card accounts. All issuing bank stores Since the card number can be freely retrieved and returned at any time, the issuing bank head office can issue a large number of travelers denomination cards in a short time "anytime, anywhere, to anyone".

[0006]

Embodiments of the present invention will be described below. (A) The issuing bank shares a magnetic stripe card and an IC card in a card-dedicated host computer.

[Claim 4] According to the currency and the type of money displayed, (a) Bank management card, payment-only account (bank control card payment account) and its general ledger, and (b) unused card and used card number control file. And (c) sleep card account control file and (d) traveler's denomination bank card net balance confirmation and payment reserve system and other computer systems and high-speed communication network between issuing bank, correspondent bank and card company. (B) The magnetic stripe card and the IC card are 54 mm long, 85 mm wide, and 0.76 mm thick. The card numbers for both cards are the issuing bank's nationality identification number 3 digits, bank identification number 3 digits, currency identification number 1 digit, denomination (denomination) unit 1 digit, revolving card number 8 digits total 16 digits The issued and issued bank card payment account number also uses the same number as the card number. (C) The issuing bank has a large number of semi-finished magnetic stripe cards and IC cards in which the card name, currency mark and denomination, issuing bank name are pre-printed in English, and the card number, customer name, expiration date, etc. are blank. Create

7. And

8. A system is in place to enable mass sales of 9 types of currencies and 9 types of denomination cards at the issuing bank head office at any time in a short time. The card name is printed in English as "Traveler's BankCard". The currency symbol is US $ for US dollar, JP ¥ for Japanese yen, DEM for German mark, STP for British pound, FRF for French franc, CHF for Swiss franc, CHF for Canadian dollar, CA $ for Australian dollar, AU $ for Hong Kong dollar, and HK for Hong Kong dollar. Display each as $. Print the denomination of each currency after the currency mark. (D) Issuing bank The head office obtains the revolving card number from the control file of the unused card number control file for each currency and denomination unit of the card at its own card center when selling the magnetic stripe card. Issued card number, amount, customer name , Card information such as address, telephone number, PIN, expiry date, etc. is input to the card host computer through the computer communication system, and at the same time, the card number is entered on the magnetic stripe of the card body and the card number is printed on the surface of the card body. The customer's name and expiration date are printed and printed in Roman letters in a thermal transfer method. After confirming the card information and payment sent from the head office, the card center sets a dedicated card settlement account and sends a confirmation response to that effect to the head office that issued the card. (E) Issuing bank The head office obtains a revolving card number from the unused card number control file for each currency and denomination at the own card center when selling IC cards. Issued card number, amount, customer name, address, telephone number Card information such as personal identification number and expiration date is input to the host computer, and at the same time, the above card information is input to the IC chip of the IC card body, and the card number, customer name and expiration date are heat-transferred in Roman letters on the surface of the card body. Issue a card by printing and displaying with a formula. The card center confirms the card information and payment received from its own head office, sets a dedicated card settlement account, and sends a confirmation response to the head office that issued the card through the computer communication system. (F) If the issuing bank issues a single or compound card (IC card) that includes correspondent bank payments in other countries' currencies and denominations, contact the correspondent bank with customer card information (currency, denomination, customer name). , Address, personal identification number, etc.) by a computer communication system, and return the confirmation of receipt of the correspondent bank and the card number and then the card amount is remitted to issue a single or compound card with the issuing bank logo mark. . On the contrary, when the correspondent bank issues a single or compound card, the same business process is performed. (G) The issuing bank will ask the customer to fill in the customer's name, address, etc. on the card purchase application when the customer purchases a bearer card for a vending machine with a specified personal identification number and a low-priced US $ 2,000 or less. You can sell it simply by signing it. (H) For cash withdrawal using a card, the customer enters the card PIN when connected to the issuing bank's host computer at the issuing bank main branch of the travel destination and the ATM (automated cash dispenser) of the card business partner bank when withdrawing cash It will be settled at the same time as withdrawing cash. In addition, the payment for goods purchased at the terminal of a member store of a card business affiliated card company is charged to the issuing bank after a certain period of time through the line of the card company. (I) When the card balance reaches zero, the card number, customer name, address telephone number, personal identification number, etc. are automatically deleted from the host computer of the issuing bank and the card becomes invalid. The issuing bank mails the card statement (card statement) to the customer. The deleted card number is managed by transferring it to the used card number control file until the 8-digit card number of the same denomination (gold type) makes one revolution. (J) The issuing bank immediately responds to the theft, damage, or loss of the Traveler's Denomination Bank card from the customer through its own head office or correspondent bank, and inputs the stop payment of the card into the host computer. Also enter information into the computer card alert system. (K) The issuing bank erases the card number, information and settlement account from the host computer if the customer issues a card accident in (f), reissues a traveler's denomination bank card, or requests a re-fund (refund). After that, issue a new number of Traveler's Denominated Bank Card equivalent to the balance of the card or issue a ReFund through the issuing bank head office or correspondent bank. (L) The issuing bank sends the card expiration notice and the unused balance processing method confirmation notice to the card customer regarding the expired card with an unused balance. (M) Cards such as the date of issue, card number, ATM / Card Payment (card payment record), Net Balance (actual balance), and PIN are dormant (sleep) for expired cards in (k) above. Transfer to the card control file for management (n) Travelers Denomination Bank Card Net Balance Confirmation and Payment Reserve system Payment reserve for card sales through the high-speed communication network between the issuing bank and the card company from the terminal of the card store If (payment reservation) is entered, the reservation account will be deducted from the actual balance by the issuing bank card settlement account (O) below, and it will be entered in the reservation field at the same time, and the billing amount will be sent from the card company at a later date. From the reservation field to the payment field Are settled are posted. (O) Traveler's Denomination BankCard Statement (Traveler's Denomination Bankcard Statement No.) Card: The following monthly Travelers Denominated Bankcard Statement (Monthly Travelers Bankcard Payment Statement) will be mailed to the customer until the card expiration date. (Card number) Customer Name: (Customer name) Address: (Address)

[0007]

[Effect of device]

 (1) The issuing bank prepaid the card and sells it to anyone who does not have a bank account. (2) When purchasing a card, the customer can freely select the issuing bank of the destination country of the travel destination, the currency, or the denomination to purchase a single card, a composite card, or a bearer low-value card. (3) Issuing bank It is possible to easily issue a large number of travelers denomination cards from the main branch office or correspondent bank “to anyone, anytime, anywhere” in a short time. (4) Since the issuing bank centrally manages card operations with a dedicated host computer, it is possible to immediately perform administrative processing such as card issuance and payment settlement using the dedicated high-speed communication network between the issuing bank main branches. In addition, it is easy to deal with theft and loss accidents, and you can smoothly contact the card office. (5) Traveler's Denomination Bank cards are sold to customers in advance so that the issuing bank and card companies do not generate bad credit cards. (6) For customers, the card has a payment guarantee of the issuing bank, foreign exchange exchangeability, travel obstacles, theft, loss insurance, etc. Since cashing services at major foreign banks and payment services of card companies are received, it is the destination country. Convenient for travel and business trips to. In addition, since a composite card (IC card) can be used, when traveling in a few countries, even if Saturdays, Sundays, and holidays continue, there is no need to worry about currency exchange, and you can settle in one currency in the currency of the destination country. (7) For correspondent banks, card companies, and card merchants, the payer of the card is not the individual customer but the issuing bank, so it is reliable and can be handled with confidence. (8) The 16-digit card number includes the issuing bank's nationality identification number, bank identification number, currency identification number, and denomination unit, and the rotary card number makes it reasonable to process, organize, and manage the card. Can be done. (9) By setting the expiration date of the card to 2 years from the date of issue, it is possible to reuse the used card number of the rotary card number. (10) Card reissue for accidents such as theft, loss, or damage of a card or a refund system allows customers to use the card safely while traveling (11) Computer card alert system minimizes unauthorized use of the card It is easy to prevent and maintain. (12) Travelers Denomination Bank Card Net Balance Confirmation and Payment Reserve System and issuing bank, Corresponding Bank and card company are connected by high-speed communication network to make reservations for payment of card price from Correspondent Bank or credit card terminal. It can be done, and the net balance of the card (real balance) can be calculated, so handling is more reliable, card misuse is prevented, and card bad debts do not occur.

[Brief description of drawings]

FIG. 1 is a plan view of the present invention.

FIG. 2 is a bottom view of the present invention.

[Explanation of sign]

 1 Currency mark 2 Card name 3 Issued bank name 4 Issued bank nationality identification number 5 Issued bank identification number 6 Denomination (gold type) unit display number 7 Revolving card number 8 Card expiration date 9 Customer name 10 Card magnetic band 11 Customer signature Column 12 Card usage precautions

─────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] November 9, 1993

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction content]

[Document name] Statement

[Name of device] Magnetic stripe card: Travelers denomination bank card and IC card: Travelers denomination bank card

[Scope of utility model registration request]

[Brief description of drawings]

FIG. 1 is a plan view of the present invention.

FIG. 2 is a bottom view of the present invention.

[Explanation of symbols] 1 Currency mark 2 Card name 3 Issuing bank name 4 Issuing bank nationality identification number 5 Issuing bank identification number 6 Currency identification number 7 Denomination (money type) unit display number 8 Revolving card number 9 Card expiration date 10 Customer name 11 Magnetic stripe 11 ”IC chip 12 Customer signature field 13 Card usage precautions ───────────────────────────────── ─────────────────────

[Procedure amendment]

[Submission date] May 17, 1994

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction content]

[Document name] Statement

[Name of device] Travelers denomination bank card

[Scope of utility model registration request]

[Brief description of drawings]

FIG. 1 and

FIG. 3 and

FIG. 5 and

FIG. 7 and

FIG. 9 and

FIG. 11 is a plan view of the present invention.

FIG. 2 and

FIG. 4 and

FIG. 6 and

FIG. 8 and

FIG. 10 and

FIG. 12 is a bottom view of the present invention.

[Explanation of symbols] 1 Card name Traveler's bank card 2 Issued bank symbol mark 3 Issued bank name 4 Currency mark and denomination 5 Issued bank nationality identification number 6 Issued bank identification number 7 Currency identification number 8 Denomination unit display number 9 Revolving type Card number 10 Card expiration date 11 Customer name 12 Card company symbol mark 13 Customer signature column 14 Correspondence bank card number 15 Correspondence bank name 16 Magnetic stripe 17 IC chip 18 Card usage precautions

[Procedure 3]

[Document name to be corrected] Drawing

[Correction target item name] All drawings

[Correction method] Change

[Correction content]

[Figure 1]

[Fig. 2]

[Figure 3]

[Figure 4]

[Figure 5]

[Figure 6]

[Figure 7]

[Figure 8]

[Figure 9]

[Figure 10]

FIG. 11

[Fig. 12]

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06K 19/10 G06F 15/30 350 A G06K 19/00 S

Claims (6)

[Scope of utility model registration request] [Claim 1] Card program software in which the card number, the card settlement code number of the issuing bank, and a fixed amount have already been entered in the magnetic band of the card body, and a card for the card-dedicated host computer that centrally manages the card business when the card is sold. Computer program software that allows you to immediately enter the number, card user's name, address, personal identification number, and card amount. When using the card, the card must be issued by the head office of the issuing bank in Japan or overseas, business partner bank ATM (cash payment machine), or business partner card. When a card is inserted into the card terminal of a company's business member store, it automatically links to the host computer of the issuing bank and allows you to enter your PIN to withdraw cash, make payments, exchange foreign exchange, or use a fixed-rate card. Bank card characterized by 2. A Traveler's bank card in which the following Japanese and foreign currency denominations (denominations of gold) have already been entered in the magnetic band of the card body. (US dollar) 500. $ 1,000, $ 1,50
$ 0, $ 2,000, $ 2,500, $ 3,000, $ 3,500,
$ 4,000, $ 4,500, $ 5,000,
$ 7,000, $ 10,000, $ 20,000, $ 30,000, $ 40,000, 50,000
$ 0 (Japanese Yen) 50,000 Yen, 100,000 Yen, 15
50,000 yen, 200,000 yen, 250,000 yen,
300,000 yen, 350,000 yen, 400,000
Yen, 450,000 Yen, 500,000 Yen, 700,0
00 yen, 1,000,000 yen, 2,000,000
Yen, 3,000,000 Yen, 4,000,000 Yen,
5,000,000 yen. (German mark) 500 mark, 1,000 mark,
1,500 mark, 2,000 mark, 2,500 mark, 3,000 mark, 3,500 mark, 4,000
Mark, 4,500 Mark, 5,000 Mark, 7,0
00 mark, 10,000 mark, 20,000 mark, 30,000 mark, 40,000 mark, 50,
000 mark. (UK pounds) 500 pounds, 1,000 pounds, 1,
500 pounds, 2,000 pounds, 2,500 pounds,
3,000 pounds, 3,500 pounds, 4,000 pounds, 4,500 pounds, 5,000 pounds, 7,000 pounds
£ 10,000, £ 10,000, £ 20,000. (French franc) 500 francs, 1,000 francs,
1,500 francs, 2,000 francs, 2,500 francs, 3,000 francs, 3,500 francs 4,000 francs, 4,500 francs, 5,000 francs, 7,000 francs 10,000 francs, 20, 000 francs, 30,000
0 franc 40,000 franc, 50,000 franc. [Claim 3] The currency symbol of a traveler's bank card, US dollar is US $, Japanese yen is JP ¥, German mark is DEM, British pound is STP, and French franc is FRF. 4. Currency unit: US $ is one unit of US $ 100.00, Japanese yen is one unit of JP ¥ 10,000, German mark is one unit of DM100.00, British pound is one unit of STP100.00. Unit: French franc is FRF
One unit is 100.00. [Claim 5] All card numbers of the card body are 16-digit numbers, which are the following indications of the issuing bank's (a) nationality identification number, (b) bank identification number, (c) currency unit, (d) card number, etc. (A) Issuing bank identification number is 001 to 999 in the first three digits, and (b) Issuing bank identification number is 01 to 99 in the next two digits.
Until (c) the currency unit is 001 to 999 in the next three lines.
, (D) The card number can be displayed in the last eight digits from 00000001 to 99999999, and the card number (d) is all card numbers featuring an eight-digit rotary display. 6. The size of the travelers denomination bank card is 85 mm × 54 mm × 0.76 mm and has an expiration date of 10 years.