JPS63304425A - Magnetic card - Google Patents

Abstract

PURPOSE:To enable a great decrease in the number of cards to be held by disposing plural magnetic stripes to the positions parallel with the circumferential margin of a card body so that plural services can be received with a sheet of the magnetic card. CONSTITUTION:The plural magnetic stripes 1-4 are disposed to the positions parallel with the circumferential margin of the magnetic card body C formed like a sheet. A user can receive the services which are heretofore rendered by two sheets of the cards, if the two magnetic stripes 1, 2 are disposed on one face of the card body C in such a manner. The user receives the same services rendered by heretofore owning 4 sheets of the cards, if two stripes each are similarly disposed on the front and rear faces. The manpower for the operating procedures of, for example, an automatic cash dispensing machine is lessened by storing the respectively different operating procedures into the plural stripes.

Description

DETAILED DESCRIPTION OF THE INVENTION (Technical Field of the Invention) The present invention relates to a magnetic cart that is widely used in banks, department stores, and the like.

[Conventional technology]

As is well known, in modern society, the use of cashless payment methods for shopping, entertainment, etc. using credit cards has become widespread, and more and more people are using cash carts to withdraw and deposit cash at banks. The current situation is that

Such credit cards and cash cards are generally called magnetic cards.

This magnetic card is constructed by disposing a striped magnetic layer (hereinafter referred to as a magnetic stripe) on the surface of a thin rectangular card body made of plastic, paper, or the like.

[Problems with conventional technology]

However, in the conventional magnetic cards mentioned above, since the storage capacity of the magnetic stripe is small, the amount of information that can be input to the magnetic stripe is limited. This is the current situation. For this reason, if a user wants to receive the services of a desired cart issuer, he or she must have a card for each cart issuer, which is inconvenient to carry if the number is too large. Not only that, but the management of loss prevention, membership fee payment V1, etc. was also extremely complicated.

In addition, with the above-mentioned conventional magnetic card, since the information agents who can enter information on the magnetic stripe are limited, the card can be used to perform tasks such as withdrawing or depositing cash from an automatic teller machine, or When making a transfer, you must press the deposit/withdraw/transfer button each time you make a transfer, which is extremely cumbersome as these operations are frequently performed on a daily basis. This has the problem of being extremely troublesome, especially for those who are not familiar with the operation of this type of machine.

(Purpose of the Invention) This invention has been devised in view of the current situation, and its purpose is to receive multiple types of services using a single magnetic cart, and as a result, it is possible to receive multiple types of services using one magnetic cart. The purpose of the present invention is to provide a magnetic cart that makes it easy to carry the magnetic cart, makes it easy to store the card, and saves labor in operating an automatic teller machine and the like.

(L! Key to Issue 11) In order to achieve the above object, the magnetic cart according to the present invention has a plurality of magnetic stripes disposed in a downward position relative to the periphery of the cart body formed in a thin plate shape. This feature is characterized by the fact that it is configured by

(Function) Therefore, in the magnetic cart according to 9.1J1,
By arranging four magnetic stripes on one side of the card body, it is possible to receive the same service as a conventional four-card cart. Of course, by placing four magnetic stripes on the front and back sides of the cart body, you can receive the same service as if you had a conventional cart with eight strips.

Further, according to the magnetic cart according to the present invention, by storing different operating procedures on each of the plurality of magnetic stripes, it is possible to save labor in operating an automatic teller machine, for example.

(Examples) Hereinafter, the present invention will be described in detail based on examples shown in the accompanying drawings.

FIGS. 1A and 1B are external views of a magnetic cart according to a first embodiment of the present invention.

Figure 1 (A) is a surface view of a card that satisfies the standard of the same shape and thickness as conventional cards, and Figure 2 (B) is
) are shown respectively.

Reference numerals 1 to 4 in the figure represent magnetic stripes coach inked with a predetermined width in parallel to the periphery of the card body C, respectively. The account numbers of Bank B, Bank C, and Bank D are recorded in advance.

Therefore, when using this magnetic cart, the card holder can check and select the insertion direction indicated by the arrow, and the card holder can insert it into four banks' CDs (automated teller machines) and ATMs.
(Automated deposit machines can be used.) Incidentally, the magnetic stripes 1 to 4 can be provided in parallel to the longitudinal edges of the front and back surfaces of the card body C, so that this magnetic card can be used for a maximum of eight banks.

FIGS. 2A and 2B show a magnetic cart according to a second embodiment of the invention.

In this embodiment, on the front side of the magnetic cart, as shown in FIG. 2(A), for example, 81 air stripes 11, 12, 13° 14 for row A#1 are arranged. In addition, on the back side of the magnetic card, as shown in FIG. 2(B), for example, magnetic stripes 15, 16° 1
7.18 is arranged.

Magnetic cards configured in this way are used by Bank A and BJII.
Can be used at two banks in the bank, especially the C
D or in the direction of insertion into the ATV.

The system is configured so that the type of use can be specified.

That is, the magnetic stripe 11.15 has operating commands for the "withdrawal 1 mode, the magnetic stripe 12.16 has the r balance inquiry" mode, and the magnetic stripe 14.18 has the operating commands for the r deposit 1 mode. It is stored in advance at a predetermined location.

Thereby, it is possible to omit the mode selection operation using the keyboard of the CD or ATV immediately after inserting the card body C, and it is possible to improve the service for users who are not good at operating machines.

The mechanism of the ATV will now be explained based on FIG. 3.

In the figure, reference numeral 21 denotes a card insertion slot for inserting a magnetic card in which the card holder's PIN number information, account number information, etc. are magnetically recorded, 22 a keyboard operated by the card holder, and 23 A keyboard 22 indicates a display device for issuing operational commands to the card holder, and 24 indicates a cash slot for discharging or accepting banknotes, receipts, and the like.

FIG. 4 is a block diagram of the ATM.

In the figure, reference numeral 71 is a CPU that performs overall control of the ATM using a program stored in the memory.

Further, reference numeral 72 is an interface control unit, and 73 is an I10.
The control unit 74 is a modem that modulates and demodulates data during data communication with a host computer (not shown) via the communication circuit 90, and the interface control unit 72 controls the modem between the modem 74 and the host computer. The I10 control unit 73 performs data communication control of the C
It is configured to perform input/output control between the PU 71 and peripheral devices such as the keyboard 22, the display 23, and a unit control FB 66 to be described later.

The unit control section 68 includes a magnetic card reader 68 that reads information recorded on the magnetic card (operation command, account number, password, etc.), and details of a predetermined account calculated within the host computer.

A receipt printer 67 that prints information on a receipt, a cash dispensing unit 69 that calculates and dispenses the amount of banknotes requested by the card holder, and a cash dispensing unit 69 that calculates and dispenses the amount of banknotes requested by the card holder. It is configured to include a blade deposit unit 70 for storing envelopes in an internal safe with a receiver.

Further, reference numeral 75 in the figure is a power supply unit, and the power supply unit 75 supplies power to each peripheral device, and also supplies power to the CPU 71 . Interface control unit 72. I
Power is supplied to the 10 control unit 73° modem 74 via a power line within the bus 81. Also, CPU71. Interface control 72. I10 control section 7
3 and the modem 74 is carried out via the bus 81, and data transmission between the interface control section 72 and I10 control section 73 and each peripheral device is also carried out via the signal line of the bus 81. It is composed of

Next, in FIGS. 6UA to 9, the above-mentioned FIG. 2(A), (
A flowchart is shown for performing withdrawal operations, balance inquiry operations, transfer operations, and deposit operations at an ATM using the magnetic card shown in B).

First, the operation of the ATM in the withdrawal mode will be explained based on FIGS. 5 and 6.

The cardholder confirms the name of the bank and then inserts the card into the card body C from the card insertion slot 21 in the direction corresponding to the operation mode.
When the card reader 68 inserts the magnetic card, the card reader 68 reads information such as an operation command, an account number, and a reIft number recorded on the magnetic card, and outputs an interrupt signal together with the read information to the CPU 71 (step l).

At this time, based on a command from the CPU 7t, the display 23 displays operation command information such as "Please input the dark 7iE hour".

At this stage, when the cart holder inputs his/her own password and iE number using the keyboard 22 according to the operation command (step 2), the CPU 71 inputs the password information input from the card reader 68 as described above and the keyboard 12.
A comparison process is performed with the actually input password (step 3), and if a match is found, the operating mode is determined (step 4).

Here, the operation mentioned above is in the withdrawal mode, so
The CPU 71 enables the cash payment unit 69.

Then, when the cart holder inputs the withdrawal amount using the keyboard 12 (step 5), the number of bills corresponding to the input amount is calculated from the bills stored in the internal safe and withdrawn (step 6). Step 7) in which the banknotes withdrawn from the safe are sent out from the banknote discharge port 14.

Finally, the ATV returns the magnetic card and ends all activities (step 8).

In addition, in the withdrawal operation process described above, information such as the PIN number, account number, input amount, etc. is transmitted between the ATM and the host computer, and at this time, the specific information calculated within the host computer is transmitted between the ATM and the host computer. Detailed information regarding the account received is printed by a receipt printer 67 in the ATM, and the receipt is sent out from the receipt outlet 28.

Next, the operation of the ATM in the balance inquiry mode will be explained based on FIG.

The card holder confirms the bank name, and then inserts the card into the card body C from the cart insertion slot 21 in the direction corresponding to the operation mode.
When the card reader 68 inserts the magnetic card, the card reader 68 reads information recorded on the magnetic card, such as an operation command, an account number, and a password, and outputs an interrupt signal to the CPU 71 together with the read information.

During this balance inquiry operation process, information such as a PIN number and account number is transmitted between the ATV and the host computer, and at this time, the balance information regarding the account stored in the host computer is transferred to the ATM. printed by the receipt printer 67,
The receipt is sent out from the receipt discharge port 28, and the magnetic cart is returned from the cart insertion port 21.

Please explain the operation of an ATM in transfer mode based on Figure 5.

Confirm the card holder and the name of the bank, and then proceed from the card insertion slot 21 to the cart body C in the direction corresponding to the operation mode.
When the magnetic cart is inserted, the cart reader 68 reads the operation instructions, account number, PIN number, and information such as the name, bank name, and account number of multiple remittance destinations that have been entered in advance, and sends the information to the CPU 71. It outputs an interrupt signal together with this read information.

At this time, based on a command from the CPU 71, the display 23 displays operation command information such as "Please enter your password."

At this stage, when the card holder inputs his/her own PIN number using the keyboard 22 in accordance with the operation command, the CPU 71 or the one-syllable number information inputted from the card reader 68 as described above and the PIN code actually inputted using the keyboard 12 are sent to the card holder. A comparison process with the number is performed, and if a match is found, the operation mode is determined.

Next, the CPU 71 displays the plurality of r transfer destinations on the display 23 of the ATM, and displays a display (for example,
(Please enter the number of the recipient you wish to transfer money to.)
Something is done.

At this stage, when the cart holder inputs the registration number of the "r transfer destination" using the keyboard 22 according to the operation command, the account number, name, etc. of the "r transfer destination" corresponding to the registration number will be displayed on the display 23. At the same time, operation instruction information such as ``Please enter the transfer amount manually'' is displayed.

Then, when the car owner inputs the transfer amount using the keyboard 12, the CPU 71 performs transfer processing to the other party's bank account.

When this transfer process is completed, the above At the ATM, you can return the magnetic cart and make a transfer.

The information is printed by a receipt printer 67 in the ATM, and the receipt is sent out from the receipt outlet 28.

Finally, the operation of the ATM in the deposit mode will be explained based on FIG. 9.

The cardholder confirms the name of the bank and inserts the card into the card body C from the card insertion slot 21 in the direction corresponding to the operation mode.
When the card reader 468 inserts the magnetic card, the card reader 468 reads information such as operation commands, account numbers, and passwords recorded on the magnetic card, and outputs an interrupt signal to the CPU 71 together with the read information. At this time, based on a command from the CPU 71, the display 23 displays operation command information such as "Please enter your password."

At this stage, when the cardholder enters his/her own PIN number manually using the keyboard 22 in accordance with the operation command, the CPU 7i combines the PIN information inputted from the card reader 8 and the PIN actually inputted using the keyboard 12 as described above. A comparison process with the number is performed, and if the comparison results in a match, the operation mode is determined.

When the card holder inputs the amount to be deposited using the keyboard 12, a deposit slot (not shown) is opened and banknotes to be deposited are set in the deposit door. After this, CPU71
calculates the set banknotes and checks whether the deposited amount is correct or not, performs a predetermined deposit processing operation, and after completing the deposit processing operation, inserts the magnetic card from the card insertion slot 21. to be returned.

In addition, in the above deposit operation process, information such as the PIN number, account number, input amount, etc. is transmitted between the ATM and the host computer, and at this time, information regarding the specified account calculated within the host computer is transmitted. The detailed information is printed by a receipt printer 67 in the ATM, and the receipt is sent out from the receipt outlet 28.

FIG. 10 shows a magnetic cart according to a third embodiment of the present invention.
I am using C card body 1.

As is well known, IC carts have a very large storage capacity, and there are two types of IC carts: non-contact type and contact type.

This IC card has a data storage device 112 embedded in an integrated circuit in a card body C, and is configured to be able to exchange information with a read/write device (not shown).

That is, the IC card basically includes a light receiving element 1 that receives an optical signal corresponding to a data signal transmitted from the read/write device and transmits it to the data storage device 112.
13, a light emitting element 114 embedded in the cart main body C, which converts a data signal output from the read/write device into an optical signal and transmits the optical signal to the read/write device;
The data storage device fil12. It is equipped with a driving power source 115 that drives the light receiving element 113 and the light emitting element 114 and generates a voltage.

The card body C is made of a synthetic resin such as polyester or vinyl chloride with a predetermined thickness, and contains therein a CPU that constitutes the data storage device 'r1112, an integrated circuit that forms a data store section, and the A plurality of light receiving elements consisting of phototransistors are used to receive crystal oscillation signals, data input signals, and reset signals sent as optical signals from the read/write device, and data output signals from the integrated circuit are converted into optical signals. A light emitting element consisting of a light emitting diode for converting and outputting to the read/write device, and a 1M water battery etc. 1111! A source is placed at a predetermined position.

The four peripheral parts c, , c of the card body C configured in this way
2. As shown in FIG. 10, a band-shaped magnetic stripe 120 is disposed on each of the magnetic stripes 120 and 120. The information stored in each magnetic stripe 120 includes the first
Since this is the same as in the case of the second embodiment, detailed explanation thereof will be omitted here.

By integrally configuring the IC card and the magnetic card in this way, a plurality of different types of carts can be made into one cart, and portability is greatly improved.

In the embodiments described above, the case where the magnetic cart is used for CDs and ATMs installed in banks has been explained as an example, but the present invention is not limited to this, and can be used for various credit cards. It can also be applied to various devices, machines, and systems that use magnetic carts such as cards.

(Effect of Emission 1) As explained above, in the magnetic cart according to the present invention, for example, by disposing four magnetic stripes on one side of the cart body, it is possible to You can receive the same services as the above, so you only need to have one magnetic cart even if the cards are issued by different card issuers.
You can significantly reduce the number of cards you own.

Of course, the magnetic stripe is placed on the front and back of the cart body.
With this arrangement, the number of carts held in the conventional cart can be reduced to 1/8, making it easier to store the carts.

Further, according to the magnetic cart according to the present invention, by storing optical operating procedures on each of the plurality of magnetic stripes, it is possible to save labor on, for example, the order of operating an automatic teller machine.

It has many excellent effects.

4, 1.21 Simple explanation lJ+ Figures 1 (A) and (B) are an external view of the magnetic cart according to the first embodiment of the present invention, and Figure 2 (A).

(B) is an external view of the magnetic cart according to the second embodiment of the present invention, FIG. 3 is an external perspective view of the ATM, FIG. 4 is a block diagram of the ATM, FIG. 5 is an operation flowchart of the ATM, and FIG. 9 to 9 are operation flowcharts showing various ways of using the magnetic card according to the present invention, and FIG. 10 is an external perspective view of the magnetic card according to the third embodiment of the present invention.

[Explanation of symbols]

1.2, 3.4...Magnetic stripe 11.12. +3.14. Is, 16, 17. 18...
・Magnetic stripe C...Card body patent Applicant Nitsu Te Co., Ltd. Figure 1 CA) Figure 1 1 (B) Foil 2 Figure (A) Figure 2 (B) Figure 3 Figure 4 Figure 5 Figure 8 Figure 9111 Figure 10

Claims (4)

[Claims] (1) A magnetic card characterized in that a plurality of magnetic stripes are arranged parallel to the periphery of a thin card body. (2) The magnetic card according to claim 1, wherein the plurality of magnetic stripes are arranged only on one surface of the card body. (3) The magnetic card according to claim 1, wherein the plurality of magnetic stripes are arranged on the front side and the back side of the card body, respectively. (4) The magnetic card according to claim 1, wherein the magnetic stripe is arranged on the outer peripheral edge of the IC card body.