JPH11170750A - Card having memory device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new card having memory device of which the convenience property is improved by providing a credit card function, a cash card function and a ticket function. SOLUTION: In a region 3 of a memory device, for a credit card function, a credit company's peculiar customer data 3A which is issued by the credit company, i.e., the name of the credit company, the number of a customer, a code number, the valid data as a credit card, a consumable money amount data for shopping by this card having memory device as a credit card, an for a cash card function, a financial organization's peculiar customer data which is issued by the financial organization such as the name of the financial organization which has issued the card having memory device, the number of the customer, a code number, and the number of a using bankbook, and a data 3B such as a consumable money amount data for shopping by this card having memory device, are written, and in addition, this card having memory device is constituted in such a manner that in a region 10 of the memory device, a ticket issuance data for a purchased ticket is written, and a ticket function or the like is provided in addition to the credit card function and the cash card function.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card with a memory device, and more particularly to a card with a memory device having a credit card function, a cash card function, a ticket function and the like. In this specification, a financial institution is defined as an institution that creates, provides, supplies, and mediates funds, namely, banks, securities companies, trust companies, insurance companies, shinkin banks, agricultural cooperatives, pawn shops, and consumers. It is defined as including financial services and settlement agency companies. In this specification, at least one of a function provided in the passbook of the financial institution and a caching function such as a loan, or both functions are defined as a cash card function.

[0002]

2. Description of the Related Art In recent years, a memory-equipped card equipped with a memory device has been developed, and experiments for using the memory-equipped card for shopping in a shopping street have been conducted in various places. However, when such a card is used instead of cash, there is still a problem that a credit card must be carried for payment.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and has as its object the following.
An object of the present invention is to provide a new card with a memory device that has a credit card function, a cash card function, and a ticket function and has improved convenience. Another object of the present invention is to
A memory that can be repeatedly used by attaching a memory device to a cash voucher, a prepaid card, a coupon, a cash card, a bank card, a debit card, or the like, and a writable use history can be easily checked. An object of the present invention is to provide a card with a device.

[0004]

In order to solve the above problems, a card with a memory device according to the present invention is a card with a memory device in which data can be written. Write down the credit card-specific customer data to be issued,
The present invention is characterized in that customer data unique to the financial institution issued by the financial institution and amount data usable by the customer are written in the memory device, and a credit card function and a cash card function are provided.

Further, the memory device is provided with an area for writing a history including money amount data purchased by a credit card function.

Further, the memory device is provided with an area for writing a history including money amount data taken in and out by a cash card function.

[0007] Further, the present invention is characterized in that a memory device capable of writing data on a cash voucher, a prepaid card, or a coupon is assembled. Also, a memory device capable of writing data to a credit card is assembled. Further, a memory device capable of writing data to a bank card or a debit card is assembled.

Further, a history including money amount data is written in the memory device. Further, the memory device is provided with a ticket function for writing ticket issuing data.

[0009] Further, the memory area of the ticket function has data indicating whether the ticket is valid or invalid.

The memory area of the ticket function has data for prohibiting the reuse of a ticket.

Further, the data in the memory device is rewritable and readable.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a card with a memory device according to the present invention will be described in detail with reference to the drawings. FIG. 1 is an external view of a card with a memory device according to the present invention, in which a memory device 2 is incorporated in a business card-sized plastic card (which may be another material such as paper).

FIG. 2 is a diagram showing a storage state of data in the memory device 2. In an area 3 of the memory device 2, customer data 3A unique to the credit company issued by the credit company for a credit card function is provided. That is, a credit company name, a customer number, a customer name, a personal identification number, an expiration date as a credit card, amount data that can be used as a credit card for shopping with this memory device-equipped card, and
For the cash card function, the financial institution (for example, bank) issued by the financial institution, such as the name of the financial institution that issued the card with the memory device (for example, bank name), customer number, customer name, password, passbook number, etc. Is written and data 3B such as money amount data which can be used for shopping with the memory device-equipped card.

Further, preliminary data 5A indicating whether the customer can use the credit card without any problem is written in the area 5. Also, in the memory device 2,
An area 7 for writing a purchase history purchased by the credit card function is provided, and the area 7 is configured such that a usage history including amount data used within a predetermined amount range is written to a memory device. .

Further, the memory device 2 is provided with an area 8 for writing a history taken in and out by the cash card function, so that all the money data such as the usage history and the history of the money data inserted into the memory device-equipped card are provided. Is recorded.

Using the card with a memory device constructed as described above, when shopping with the card with a memory device as a cache card, when the card is inserted into a store, the data reader in the store is connected to the memory device. The data 3B in 2 is read out, and if the purchase is within the balance, the shop name, the name of the operator, the name of the purchased article, the amount, and the balance, which are the shopping history, are written in the area 3, and the purchase history is written. in this way,
The memory device-equipped card according to the present invention can be used like cash.

When shopping with this card with a memory device as a credit card, when the card is presented to the store, the data reader at the store firstly displays the area 5.
Check the preliminary trial data 5A. At this time, if the owner of the card with the memory device is not qualified to use the credit card, a message to that effect is displayed on the display to inform the user that the card cannot be used, and the use of the card with the memory device is stopped.
When it can be used, a normal purchase procedure is immediately performed.

In this case, the date and time of the withdrawal may be designated, and the fact may be written in the memory device 2 of the card with the memory device. Also in this case, since the memory device 2 is provided with the area 8 for writing the purchase history purchased by the credit card function, a predetermined use history is written.

In addition to the above-described configuration, a memory device capable of writing data on a cash voucher, a prepaid card, or a coupon ticket may be assembled, and the use history may be written in this memory device. Further, a memory device capable of writing data to a credit card may be assembled, and the memory device may be configured so that the usage history is written. Further, a memory device capable of writing data to a bank card or a debit card may be assembled, and the memory device may be configured so that the usage history is written.

Next, another embodiment of the present invention will be described. In the memory device-equipped card according to this example, a credit company-specific customer data 3A issued by the credit company for the credit card function, that is, a credit company name, a customer number, a customer name,
PIN, expiration date as credit card, amount data that can be used as a credit card for shopping with this memory device, and for cash card function, the name of the financial institution that issued the memory device card, customer number, In addition to the customer data unique to the financial institution issued by the financial institution, such as the customer name, personal identification number, passbook number, etc., and data 3B, such as money amount data that can be used for shopping with the card with the memory device, are further written. Area 1 of the memory device 2
0 is configured so that data of a purchased ticket, that is, ticketing data (including reservation data) is written therein.
It is configured to have a ticket function and the like in addition to the credit card function and the cash card function.

The data written to the area 10 includes:
In the case of a ticket for a theater or the like, the date and time of use of the ticket, the venue name, the seat number, receipt data indicating whether or not the fee has been paid, the issuing company name, the purchase date, and the like are written.
Further, in the area 11 of the memory device 2, an identification code indicating whether the purchased ticket is used, invalid, or valid is written. Further, since the memory device-equipped card is a non-contact type, the memory device-equipped card can be used as a data reading device (not shown).
, The data reading device reads necessary data from the memory-equipped card and executes a predetermined process.

Here, the ticket refers to a ticket for a movie theater, a theater, a concert hall, a stadium, a baseball stadium, transportation, and the like. The card with a memory device of the present invention is a non-contact type, When the card with the memory device is brought close to the data reading device provided at the entrance of the hall or the like, the data in the areas 10 and 11 of the ticket function part in the card with the memory device is read, and the fee has already been collected. If possible, open the entrance gate,
A flag indicating that the area has been used is written in the area 11 so that the area cannot be reused.

Of course, when passing through the gate, if the fee has not been collected, the date of use is different, or the venue name is different, the gate will not be opened. Further, for example, when baseball is stopped due to rain or the like, a refund process is performed based on the data in the area 11. In the case where a purchased ticket is given to another person, data is written in the area 11 so that the ticket cannot be reused. In particular, when a ticket purchased by another person is given as a paper ticket ticket, an indication that the ticket has been invalidated is displayed in the area 11 to avoid double issuance of the ticket. The card with a memory device of the present invention may be implemented as a contact type or a non-contact type.

In the present invention, the data of the credit card function, the cash card function, and the ticket function are stored in the memory device. However, the memory device is used for identification such as a passport, a license, a health insurance card, or the like. It may be pasted or fixed by printing or the like, and used for prevention of forgery or data management.

Similarly, gift certificates, securities, cash vouchers, bills,
A memory device may be fixed to a check or the like and used for prevention of forgery or data management. Further, a memory device may be attached to postal items such as postcards, delivery items for home delivery, precious metal or other products, or products in production to use as a tag.
Further, it may be attached to a slip, a hospital chart, a management card, or a price tag of a product.

[0026]

As described above, the card with a memory device according to the present invention has a ticket function in addition to a credit card function and a cash card function in one card. Convenience has improved significantly.

In addition, cash vouchers, prepaid cards, coupons,
Since the memory device is attached to the cash card, bank card or debit card, it can be used repeatedly,
In addition, since the use history is written, the use state can be easily confirmed, and the usability has been remarkably improved.

[Brief description of the drawings]

FIG. 1 is an external view of a card with a memory device of the present invention.

FIG. 2 is a diagram showing a state in which data is written in a memory device of the card with a memory device of the present invention.

[Explanation of symbols]

 1 Card with memory device 2 Memory device

Claims (11)

[Claims] 1. A card with a memory device provided with a memory device capable of writing data, wherein customer data unique to a credit company issued by a credit company is written into the memory device and issued by a financial institution to the memory device. A card with a memory device, wherein said card is provided with a credit card function and a cash card function by writing said customer data unique to said financial institution and data on the amount of money usable by said customer. 2. The card with a memory device according to claim 1, wherein the memory device is provided with an area for writing a history including amount data purchased by a credit card function. 3. The memory device according to claim 1, wherein the memory device is provided with an area for writing a history including money data transferred in and out by a cash card function.
A card with a memory device as described in the above. 4. A card with a memory device, wherein a memory device capable of writing data to a cash voucher, a prepaid card, or a coupon is assembled. 5. A card with a memory device, wherein a memory device capable of writing data to a credit card is assembled. 6. A card with a memory device, wherein a memory device capable of writing data to a bank card or a debit card is assembled. 7. The memory device-equipped card according to claim 4, wherein a history including money amount data is written in the memory device. 8. The card with a memory device according to claim 1, wherein the memory device has a ticket function for writing ticket issuing data. 9. The card according to claim 8, wherein the memory area of the ticket function has data indicating whether the ticket is valid or invalid. 10. The card with a memory device according to claim 8, wherein the memory area of the ticket function has data for prohibiting reuse of a ticket. 11. The card with a memory device according to claim 1, wherein data in the memory device is rewritable and readable.