JPH0761753B2 - Counterfeit use prevention system for shopping cards - Google Patents

Description

Description: TECHNICAL FIELD OF THE INVENTION The present invention relates to a forgery check system for a shopping card which is a magnetic card like a credit card, a bank card, etc., and can read and write data with a predetermined terminal device. For counterfeit use prevention system for shopping cards, which is compatible with various cashless systems.

(Technical background of the invention and its problems) Recently, with the spread of prepaid cashless cards such as telephone cards and orange cards, cashless systems using such cashless cards are rapidly spreading. is there. However, the prepaid cashless system as described above is a system in which cash is paid in advance to purchase the card and the value of the card is reduced according to the amount of money used. There are some drawbacks.

(A) Although the use of the above card is undecided for the user, cash must be paid in advance and purchased, and this card can only be used for a predetermined purpose such as a telephone or a ticket. Not only is the turnover of money poor, but it is also very inconvenient.

(B) Further, the use schedule is not clear, and there is a great risk of loss if the storage is not used for a long time and stored.

(C) However, since the card has already paid cash, it is the same as cash, and if lost or damaged, it will be a complete loss for the user.

(D) And since the above card does not specify the user, anyone who finds it can use this card.

(E) Further, the above-mentioned card has an insufficient counterfeit check function, and there is a risk of being counterfeited or illegally used. When the counterfeit card is used, the counterfeit card is used because it is not collected. It cannot be found on the spot, and it takes a considerable amount of time to find it, so no countermeasure can be taken.

On the other hand, cashless systems that use postpaid cashless cards such as credit cards and bank cards (hereinafter abbreviated as credit cards) have become very popular,
Although it is becoming established, this post-payment cashless system also has the following drawbacks, which prevents it from being fully cashless.

(F) In the case of shopping with a credit card or the like, the user shop has to perform all the settlement of the used amount of money by slip processing, and this slip processing is troublesome. Moreover, this trouble is the same regardless of the amount of money used, and particularly when the amount of money used is low, this burden is heavy on the user store, and it is difficult to popularize shopping at stores handling low-value products such as supermarkets.

(G) When shopping with a credit card, etc., there is a limit to the amount of money that can be used at the time of shopping, and there are cases where it cannot be used for shopping that exceeds this limit at one time, but if it is within this limit, continue to use However, since the total amount of money used for this card is not known at the store, the total amount of money used may exceed the person's ability to pay,
There may be problems such as illegal purchases and inability to collect money. Then, in order to avoid it, the center computer is inquired of the credibility of the person by telephone every time it is used, but it is troublesome and requires time and cost.

(H) In addition, CAT (Card Autholization Terminal) systems are becoming widespread to prevent forgery and unauthorized use of credit cards. There is a method for inquiring about the availability of this card to the center computer of the above card issuing company using a communication line, and it is troublesome and time consuming, and it is necessary for supermarkets etc. that need to process in a short time. Is difficult to apply. or,
In the above CAT system, in addition to the communication cost, the center computer must be made larger in order to respond to this inquiry that is concentrated from all over the country even though it only checks the availability of the above card. It has to be done and the cost is high.
Furthermore, the above-mentioned settlement operation must be performed as in the conventional slip issuing process, which is still troublesome.

(I) Therefore, there is also a system in which the use of the above-mentioned card is checked and the settlement operation is performed by a terminal device. In this system as well, each time the card is used, the center computer of the card issuing company must be inquired using the communication line. In addition, it is troublesome and communication cost is required.

(J) In addition, a bank POS that recently connects the terminal device of the card user store online with a bank center computer and withdraws the amount from the deposit account on the spot each time the card is used
Although the system is being completed, in this case, there is a problem that the communication line is not congested and it cannot be processed when banking is suspended on Sundays, holidays, and nights, and the usable range is narrowed.

(Object of the Invention) The present invention has been made under the circumstances described above.
The object of the present invention is to have a function of checking forgery and unauthorized use, and to record the limit of the amount of money that can be used within a predetermined time limit (hereinafter referred to as the "credit limit"). Since the credit limit balance is recorded as a reduction, it is not necessary to contact the center computer for availability, and the payment amount can be processed online from the terminal device installed at the store, and the voucher issuance business It is to provide a counterfeit use prevention system for a shopping card, which corresponds to a cashless system that does not require a purchase.

(Summary of the Invention) The present invention relates to a system for preventing counterfeit use of shopping cards, which is compatible with cashless use, and uses invisible light identification ink to print and record card-specific data including data for identifying a credit limit amount. And a recording unit for rewritably recording a predetermined time limit, a cumulative usage amount within the time limit or an available balance within the time limit, and the authenticity of the record data is recorded in the recording unit. Using a shopping card having a security data recording area for determination, security data is created according to a predetermined algorithm from the card-specific data and the data written in the recording unit, and this security data is combined with the recording unit. The security data is created each time the card is used, and the created security data is recorded. The security data and the recorded security data are collated, and when they match, the data recorded in the recording unit can be rewritten.

(Embodiment of the Invention) The present invention is a forgery-use prevention system for a shopping card using a shopping card obtained by improving a credit card, a bank card and the like which have been widely used in the past and removing the defects.

That is, this shopping card is provided with an invisible light discriminating recording portion on the conventional magnetic card as described above, and a predetermined time limit (for example, 1
Record card-specific data such as data that identifies the maximum amount of money that can be used within a month (for example, 100,000 yen) and a card number. Also, by using the optional area 2C of the magnetic recording unit 2 of this card shown in FIG. 1 (A), data such as the above-mentioned deadline, the accumulated usage amount within this deadline or the balance of the amount available within this deadline is magnetically recorded. It is recorded, and this data is read, updated, and recorded again each time it is used. Further, security data is created from the card-specific data and the magnetically recorded data by a predetermined algorithm, and is also recorded in the magnetic recording unit.

Therefore, when using this card, the security data is created each time, and the authenticity of this card is confirmed by verifying the created security data and the magnetically recorded security data, and forgery is made. And prevent unauthorized use. That is, even if a person who attempts forgery or illegal use rewrites the magnetic data to change the accumulated amount of use or the balance of usable amount, the security data does not match and the forgery or illegal use can be prevented. Furthermore, as described above, this card has a deadline of, for example, one month and the limit of the amount of money that can be used within this deadline (for example, 100,000 yen) is updated each time it is used and recorded in the magnetic recording unit. By reading this data each time and making it available within the range of this data, the user shop can use it without worrying about the center computer each time like a conventional card, and inquire. Moreover, if these data are transmitted online to the center computer by batch processing, a cashless card system that does not require the slip issuing processing as described above can be completed.

A forgery-use prevention system for a shopping card of the present invention and a shopping card used in the present invention will be described below with reference to the drawings.

1 (A) and 1 (B) show the shape of a shopping card used in the present invention. FIG. 1 (A) shows the front side and FIG. 1 (B) shows the same.
Shows the back side, respectively. In FIGS. 1 (A) and 1 (B), reference numeral 1 denotes the shopping card, which has a magnetic recording portion 2 provided along the longitudinal direction at the center upper part on the front side thereof, and a longitudinal direction at the center lower part on the back side. An invisible light discriminating recording portion including a timing mark 3 and a card-specific data mark 4 is provided along the line. In FIGS. 1 (A) and 1 (B), the invisible light discriminating recording section and the magnetic recording section 2 are arranged on the opposite sides of the card, but they may be on the same side. Here, the magnetic recording unit 2 is similar to a magnetic stripe or a full-scale magnetic field in a general magnetic card, and the magnetic recording unit 2 creates a unified format in the bank association and the credit industry, for example, for each user. First track 2A and second track 2B for recording fixed data commonly used such as personal identification number and company code
And a third truck 2C that can be used arbitrarily by each bank or credit company. Therefore, in the present invention, the third track 2C, which can be arbitrarily used, is used to write and store user data such as the accumulated usage amount. FIGS. 2 (A), (B) and (C) show an example of data recorded in the magnetic recording section 2, and FIGS. 2 (A) and (B) show the above-mentioned fixed data recording. 1 track 2A and 2nd track 2B are shown, for example the 1st track
Track 2A indicates the start of text (STX) 200, user's member number 201, member name 202, expiration date 203 of this card,
Fixed data such as the end of text (ETX) 205 and horizontal redundancy check code (Longitudinal Redundancy Check / LRC) 206 is recorded, and an arbitrary area 204 for recording arbitrary data is provided in addition to this. . 2nd track 2
B indicates the start of text (STX) 210, user's membership number
211, expiration date of this shopping card 212, user's PIN 21
4, company code 215, fixed data such as the end of text (ETX) 216 and horizontal redundancy check code (LRC) 217 are recorded, and in addition to this, an arbitrary area 213 for recording arbitrary data is provided. ing. FIG. 2 (C) shows the third track 2C for recording the above user data used in the present invention, which shows the start of text (STX) 220, the deadline 221 of the credit limit given to this card, and this card Last use date 22
2, Cumulative amount of use 223 within this period, credit limit balance 224 after use, security data 225 and TEL No 226 of credit companies / banks, etc. indicating the end of text (ETX) 228 and horizontal redundancy Fixed data such as a check code (LRC) 229 is recorded, and in addition to this, an arbitrary area 227 for recording arbitrary data is provided, and these data are read at any time such as each time of use, and each time of use Updated and recorded again.

On the other hand, the invisible light discriminating recording portion shown in FIGS. 1A and 1B is composed of two types of marks, that is, a timing mark 3 and a card-specific data mark 4, and the card-specific data mark 4 includes: Data for identifying the limit (credit limit) of the amount of money that can be used for this card within the above-mentioned credit limit, a card number, etc. are recorded. Then, these data are recorded by being printed using the invisible light absorbing ink.

FIG. 4 shows the spectral characteristics of the invisible light absorbing ink. In the figure, the ink 5 shows the reflectance R and the ink 6 shows
Indicates the light transmittance T. No. 5 is an ink having a suction property in the invisible light region, that is, the infrared region having a wavelength of 700 μm or more, for example, an ink prepared by mixing IR-750,770,840 manufactured by Nippon Kayaku Co., Ltd. in a vehicle. The timing mark 3 in FIG. 1 (B)
And the card-specific data mark 4 is printed and recorded at a predetermined position on the card surface. Since the illustrated ink 5 has some light absorption even in the visible light region, the marks 3 and 4 can be visually observed, and therefore the visible light absorption ink 6 is used to cover and print the marks 3 and 4 for concealing the marks. Is performed. The visible light absorbing ink 6 needs to have low absorptivity in the infrared region. This is because in the infrared region, the marks 3 and 4 cannot be read unless there is a difference in characteristics that allows the inks 5 and 6 to be clearly distinguished.

FIG. 5 shows how to print the timing mark 3 and the card-specific data mark 4 of FIG. 1 (B). The timing mark 3 and the card-specific data mark are printed on the card surface with the invisible light absorbing ink 5. 4 is printed, and the ink 6 having a small absorption (high light transmittance) in the invisible light region is printed on the surface to cover the marks 3 and 4. The printing for concealment can be solid printing on the entire surface, but the effect of concealing the mark is further remarkable when an irregular arbitrary pattern is printed. As a result, the card-specific data mark 4 and the timing mark 3 made of the invisible light absorbing ink 5 are not visually recognized, and therefore the existence of these marks 3 and 4 is not clearly recognized. Then, the marks 3 and 4 can be read by irradiating the mark recording surface of the card 1 with infrared rays by the light projecting device and detecting infrared reflected light from the card surface with the light receiving device.

FIG. 6 shows the spectral characteristics of the projector and the photoreceiver, where A is the photoreceiver and a to c are the projectors. The characteristics of the light receiver have a peak at about 800 μm, and three types of light emitters have peaks at 700 μm, 900 μm, and 1000 μm, but in reality, 900 μm seems to be the best.

When shopping is performed using the shopping card 1 having the above-described configuration, the terminal device provided in the user store reads the above-described data and writes necessary data. However, the internal structure of this terminal device is the third
It is as shown in the figure. In FIG. 3, a CPU 110 of the terminal device 100 controls the whole. ROM1 that stores programs etc. in this CPU110
11, a RAM 112 for storing data necessary for information processing such as the above-mentioned membership number and usage amount, a magnetic card reader / writer 10 for reading data of the shopping card 1 including a magnetic card and rewriting new data ( A card carrying function 104 for carrying in the shopping card 1 inserted into an insertion carry-out port (not shown) into the magnetic card reader / writer 10 and discharging (returning) to the insertion carry-out port is connected. Further, the CPU 110 is connected to a keyboard 101 that uses data such as a personal identification number and an amount of money used, and a display device 102 that includes a liquid crystal or a lamp that displays the data entered by the keys. In addition, the CPU 110 also reads "card read O
A buzzer 103 for sounding alarms such as "K", "read failure", and "insufficient credit limit" is connected, and an interface 113 for exchanging information with a center computer connected online is connected. In addition, the CPU
A counterfeit card check sensor 20 (described later) for checking forgery or unauthorized use of the inserted shopping card 1 is connected to 110, and the above-described devices and the like are connected to each other via a bus line 114.

Therefore, first, the forgery card check method and the configurations of the magnetic card reader / writer 10 and the forgery card check sensor 20 in the terminal device 100 to which the shopping card forgery prevention system of the present invention is applied will be described.

FIGS. 7 (A) and 7 (B) conceptually show the flow of data for writing data to the magnetic recording unit 2 for checking forgery of the shopping card 1 and reading data from the card 1. Is. An example of writing magnetic data such as variable data, which is the user data, to the shopping card 1 in the terminal device 100 used in the present invention is shown in FIG. 7 (A) when writing data to the shopping card 1. ), The card specific data read from the marks 3 and 4 printed and recorded in advance in the mark recording part of the card 1 (means the unique data composed of the data for identifying the credit limit and the card number). However, this card number may be a different number for each card, or may be a different number for each block), and among the user data to be newly recorded in the magnetic recording unit 2, for example, the credit limit time limit. twenty two
1 and the accumulated usage amount 223 within this time limit are converted into security data 225 according to a predetermined algorithm and then written in the security data recording unit of the magnetic recording unit 2, and the variable data of the user data is directly written in the magnetic recording unit 2. Put in. Then, as shown in FIG. 7 (B), the data read from the card 1 is the data of the credit limit time limit 221 and the accumulated usage amount 223 within this time limit among the data read from the magnetic recording unit 2. Is converted into security data as described above in accordance with a predetermined algorithm together with the card-specific data read from the mark recording section, and is collated with the security data 225 read from the card 1 to determine whether they match. As a result, it is determined whether the read card 1 is a genuine shopping card or a counterfeit card.

FIG. 8 is printed on the card 1 and the magnetic card reader / writer 10 for writing data to and reading data from the shopping card 1 shown in FIGS. 7 (A) and 7 (B). 3 shows the configuration of a counterfeit card check sensor 20 for reading the above-mentioned unique data and checking for forgery. In the figure, reference numeral 10 denotes a magnetic card reader / writer for writing data in the magnetic recording unit 2 of the shopping card 1 and reading data from the magnetic recording unit 2. The magnetic writing head 11, the magnetic reading head 12, the magnetic It has a data writing circuit 13 and a magnetic data reading circuit 14. Also,
Reference numeral 20 denotes a counterfeit card check sensor, which has a light projector 21, a light receiver 22 and a unique data reading circuit 23. Further, 30 is, for example, an MPU unit composed of a microprocessor, 40
Is an external device.

To write data to the magnetic recording unit 2 of the shopping card 1 in the magnetic card reader / writer 10 of the terminal device 100 having such a configuration, first, the card-specific data of the card 1 is read by the counterfeit card check sensor 20, and a new magnetic Of the data to be written in the recording unit 2, for example, the credit limit time limit 221 and the total amount of money used for shopping within the time limit including the current amount of shopping
The security data 225 is created by the MPU unit 30 from 223 and as described above. Then, the variable data to be newly written and the security data 225 are written in the magnetic recording section 2 of the card 1 by the magnetic writing head 11.

When the customer card 1 with the data thus written is applied to the magnetic card reader / writer 10, the card 1 is sent in the scanning direction by a scanning mechanism (not shown), and the magnetic read head of the magnetic card reader / writer 10 is sent. Both the variable data and the security data are read by 12 and given to the MPU unit 30 via the magnetic data reading circuit 14. On the other hand, in the counterfeit card check sensor 20, the light projector 21 illuminates the surface of the magnetic card, and the reflected light is detected by the light receiver 22 and given to the MPU unit 30 via the unique data reading circuit 23. In the MPU unit 30, the variable data and the unique data read from the card 1 are converted into security data by the MPU unit 30 according to a predetermined algorithm, and the security data read from the card 1 is also given to the MPU unit 30. The MPU unit 30 collates the security data obtained by the conversion with the read security data 225, and determines whether this card 1 is a genuine shopping card 1 or a counterfeit card depending on whether the two match. An output is generated, and the authenticity of this card 1 is checked.

Shopping card 1 in the terminal device 100 configured as described above
The method of paying the used amount will be described below with reference to the flowchart shown in FIG.

When the operator inserts the shopping card 1 shown in FIGS. 1A and 1B into the insertion / exit port of the terminal device 100 (step S
1) First, the counterfeit card check sensor 20 reads the card-specific data 4 and at the same time, the user's membership number 211, which is recorded in the magnetic recording unit 2 of the shopping card 1, the expiration date 212 of the shopping card, the usage Personal identification number 214, fixed code such as company code 215, and the credit limit deadline 221, the last use date 222 of this card, the total usage amount 223 of this card within the above deadline, after use Credit limit balance 224, security data 225 and credit company /
The magnetic card reader / writer 10 reads user data such as TEL No 226 of a bank. Therefore, at the same time as checking the expiration date of the card, enter the user's personal identification number on the keyboard 101
When input from (step S2), the input personal identification number and the personal identification number 214 read from the magnetic recording unit 2 are collated (step S3). If the personal identification number does not match (step S4), a general Just like on a magnetic card, you must re-enter your PIN up to 3 times (step S5), and if they still do not match, you will be denied access (step S1).
9). On the other hand, in step S4, if the card expiration date 212 is valid and the personal identification number 214 matches, security data is created from the card unique data and the variable data recorded in the magnetic recording unit 2 as described above. (Step S6), the created security data and the security data 22 recorded in the magnetic recording unit 2 are recorded.
5 is checked (step S7), the authenticity of the shopping card 1 is checked, and if “false” (step S8), the fact is displayed on the display device 102 and the buzzer 103 is displayed as in step S19. Then, an alarm is issued, and after reconfirmation, invalidation processing is performed and the card 1 is ejected (returned). On the other hand, the above step S8
In step S9, if it is confirmed to be “true”, the read credit limit time limit 221 is checked (step S9), and if the time limit is exceeded (step S10), the fact is displayed as described above. At the same time, check with the issuer of this card such as a bank or credit company to confirm (step S2
0) Then, the issuing center computer checks the creditworthiness of this card (step S21), and if "OK" (step S22), it sends a permission signal to the terminal side. When this signal is received by the terminal side, each data such as the above-mentioned credit limit expiry date 221, the accumulated usage amount 223 within this time limit is automatically updated and recorded again in the magnetic recording unit 2 of the card (step S23). Then, returning to step S9, the credit limit amount is calculated from the read card unique data 4 as in the case where the time limit is valid in step S10 (step S11). When the operator inputs the current usage amount from the keyboard 101 (step S12), the newly updated accumulated usage amount (usually "0", that is, the update date is started when the credit limit period is updated). Therefore, the total usage amount is "0") and the current usage amount is added to calculate the total usage amount 223 up to this time (step S13), and is compared with the above-mentioned credit limit balance. If the above credit limit balance is insufficient (step S1
4) Do not permit the use of this card as in step S19 above, and if it is within the credit limit balance, allow shopping with this card (step S15), and use the cumulative amount of use 223 up to this time and New security data is recreated from the credit limit expiration date 221 and the card unique data as described above, and the last use date (that is, the day of use) 222 of this card 1 and the accumulated amount of use 223. Each data of (credit limit balance 224) and security data 225 is updated to new data as described above, and the magnetic recording unit 2
Record again at (step S16). Then, necessary data among the input and updated data and necessary data in the magnetic recording unit 2, such as a member number, a company code, and a current usage amount, are stored in the RAM 112 of the terminal device 100 (step S17), the usage data of the shopping card 1 stored in the RAM 112 is transmitted in batch processing to the center computer connected online via the interface 113 and processed (step S18) to use the card. You will be able to shop.

(Variation of the Invention) In the above-described embodiment, the credit limit amount is calculated from the card-specific data each time the card is used, and the credit limit amount is compared with the accumulated amount used within the credit limit period. For example, although the example of permitting shopping is shown, the credit limit is calculated from the card-specific data, recorded in the magnetic recording unit 2, and the credit is subtracted from the credit limit at the time of shopping. The limit balance is calculated and recorded in the magnetic recording unit, and the credit limit balance is rerecorded by subtracting the usage amount for each purchase from the credit limit balance each time the product is purchased. "You can take the method of permitting shopping until.

Also, for cards whose credit limit has expired,
An example of inquiring about creditworthiness to the issuing center computer is shown, but if the card is within the expiration date and there is no abnormality in the personal identification number, security data, etc. It is also possible to automatically update the credit limit deadline and the accumulated usage amount or credit limit balance.

Further, according to the present invention, by limiting the amount of money that can be used within a predetermined period of time, it is possible to prevent shopping beyond the ability of an individual to pay, so there is no problem even if the credit limit period is automatically updated. There are advantages. That is, if a person who is given a credit limit of 100,000 yen a month buys 100,000 yen at the beginning of the month, the shopping system using this shopping card will not allow shopping until the end of the month, but at the beginning of the next month. Will automatically update the credit limit deadline by the end of the current month on the terminal, and update the accumulated usage amount to 0 without any problem.

Further, in the above-mentioned embodiment, an example is shown in which each time the card is used, the membership number, the card issuing company code, the date of use, and the amount of use are stored in the RAM of the terminal and transmitted to the center computer of the card issuing company by batch processing. However, it can also be transmitted in real time online.

Also, an example is shown in which the telephone number of the card issuing company is recorded in the magnetic recording part of the card, but if a dedicated line is used, telephone number data is not required, and even if a public communication line is used, The telephone number can be registered in the memory and the telephone number in the telephone set can be automatically generated from the company code on the card.

Furthermore, in the above-mentioned embodiment, an example in which a magnetic tape is used as a data recording medium for a card is shown, but any recording medium capable of rewriting data may be used, such as an IC card using a semiconductor memory. It can also be used.

(Effects of the Invention) As described above, according to the shopping card counterfeiting use prevention system of the present invention, the card unique data printed and recorded in the invisible light discriminating recording unit and the variable data recorded in the data recording unit of the card are used. Since the created security data is recorded on the shopping card, forgery and unauthorized use are prevented.

In addition, from the data of the limit of the amount of money that can be used within the predetermined time limit recorded in the magnetic recording unit, the predetermined time limit, the accumulated amount of money used, and the balance of the amount of money that can be used without any inquiry to the center computer each time it is used. Since the availability can be checked at, the processing is performed smoothly and the cost required for inquiries becomes unnecessary. Since these data are updated and recorded again each time they are used, there is no concern that they will be illegally used or the price cannot be collected. Further, the above data is stored in a terminal device to which the anti-counterfeiting system for shopping card of the present invention is applied, and is transmitted online to the center computer to collect the price. There is no business. Therefore, according to the shopping card counterfeit use prevention system of the present invention, it is possible to provide a cashless system which can be used with peace of mind without any trouble.

That is, the shopping card counterfeit use prevention system of the present invention is
Each time it is used, security data is created according to a predetermined algorithm from variable data such as credit limit balance or accumulated usage amount, credit limit amount, and card-specific data, and combined with the variable data in the data recording section of the card. Even if a person who tries to forge copies the data of another person's card to his or her own card (rewrites the data as it is), the security data does not match because the card-specific data does not match. It is impossible. In particular, magnetic data can be easily copied with a card that uses magnetism, but with the card used in the present invention, it is possible to prevent forgery by this copy, and a low-cost card (a magnetic card is an IC
It is possible to obtain a system with excellent security even by using (which is lower in cost than a card). In addition, it is easy to change the variable data of your own card, especially with a magnetic card, but even if you extend the credit limit period, it cannot be used because the security data does not match, so unauthorized use is prohibited. It can be prevented.

That is, in the shopping card counterfeit use prevention system of the present invention, since the shopping card to be used is recorded with data indicating the credit limit amount as card-specific data in a non-rewritable and invisible state, It cannot be altered. In the system of the present invention,
Since the security data is calculated from the variable data and the card-specific data as described above, the data always changes, and it is very difficult to analyze the algorithm for calculating the security data, and it is possible to reliably prevent illegal use. It goes without saying that different data can be given to the card-specific data for each card, and in that case, more reliable fraud prevention can be prevented.

[Brief description of drawings]

1 (A) and 1 (B) are views showing an example of a shopping card used in the present invention, and FIGS. 2 (A) to 2 (C) show data recorded in the magnetic recording portion of the shopping card of the present invention. FIG. 3 is a block diagram showing an internal configuration example of a terminal device used in the present invention, and FIGS. 4 to 8 are diagrams for explaining a forgery-use prevention system for a shopping card of the present invention.
FIG. 9 is a flowchart showing a method of using the shopping card of the present invention. 1 ... Customer card, 2 ... magnetic recording part, 3 ... timing mark, 4 ... card specific data mark, 10 ... magnetic card reader / writer, 20 ... counterfeit card check sensor, 100 ... terminal device .

Continuation of the front page (51) Int.Cl. ⁶ Identification code Office reference number FI Technical display location H04L 9/32 H04L 9/00 A

Claims (1)

[Claims] 1. An invisible light discriminating recording portion for printing and recording card-specific data including data for identifying a credit limit amount with an invisible light discriminating ink, at least a predetermined time limit, a cumulative amount of use within the time limit, or the above A shopping card having a recording unit for rewritably recording the available balance within the time limit, and the recording unit having a security data recording area for judging the authenticity of the recorded data is used. Security data is created from the data and the data recorded in the recording unit according to a predetermined algorithm, and this security data is also recorded in the recording unit, and the security data is created each time the card is used. The security data recorded is compared with the recorded security data, and when they match, the above-mentioned recording A forgery-use prevention system for a shopping card, which enables rewriting of the data recorded in the section.