KR0121741B1 - Bankcard for an identification - Google Patents

Abstract

The combined identity and credit card has the feature that the card has the transcribed photograph part of user at the space between the discriminate part of the international card in the front and the terminal part of the IC card, and at the space between the upside and the part of the embossed letters. The photograph has been transcribed the maximum size as the card permitted, so the contrast of the photograph and the user is facilitated. Also to mark an official seal at the last step prevents the surreptitious use and the issue of the forged identity.

Description

ID card combined bank card and issuing method

1 is a view showing a bank card on which a face photograph of a card user is transferred onto a front surface of a conventional card.

2 is a view showing a bank card that transfers a photograph of a face of a card user on the back of a conventional card.

3 is a view showing the front configuration of an ID card combined bank card according to the present invention.

Figure 4 is a view showing the back configuration of the ID card combined bank card according to the present invention.

5 is a flowchart showing a method for issuing a preferred embodiment of an ID card combined bank card according to the present invention.

6 is a flowchart showing a method of issuing another preferred embodiment of an ID card combined bank card according to the present invention.

The present invention relates to an ID card combined bank card and a method for issuing the same, and more particularly, to an ID card combined bank card and an issuing method capable of easily confirming identity and preventing fraudulent use such as theft by ensuring a wide photo area.

Recently, card diversification and integration have been progressing. Cash-only bank cards are already in use, and attempts have been made to integrate identification cards such as student IDs or employee ID cards with banks or credit cards. Here, a bank card is a card issued by a bank, and a credit card is being used as a magnetic IC card due to the development of semiconductor integrated circuit technology and mounting technology.

Recently, as shown in FIGS. 1 and 2, photo cards have been introduced in which photographs are transferred onto a card so as to contrast the authenticity of the user when used to solve the problem of misuse of the card.

1 shows the front face of the photo signature card 10 of the E bank on the market, which is the international credit card logo area 12 at the lower right and the embossed character area 14 at the left side of the logo area 12. And the IC terminal portion region 16 at the upper right end of the emboss character region 14 and the photographic region 18 having a size of 17 mm x 20 mm at the upper left upper end. In this system, not only the photo area of the card is narrow, but also partly overlaps with the terminal area 16 of the ISO IC card, there is a problem that the position of the photo area 18 must be changed when combined with the IC card. To change the location of the photo, once the fixed ID form is fixed, there is a problem of weakening the identity with the previous issuer and wasting cost.

FIG. 2 shows the rear side of the photo member card of the B bank in the market, which allocates a magnetic stripe 22 at the upper side of the back, an embossed character region 14 at the lower side, and a photo area at the lower left. Since the height of the picture is limited by the protruding portion 15 of the embossed text area 14, it has a narrower picture area than the photo signature card of Bank E. Therefore, the picture is small when used in combination with an identification card. Being at the back, it is difficult to contrast and expect a functional role as an identification card.

The identification card includes a photo of the user indicating his or her identity, personal information, and identity information such as the seal of the issuer. Therefore, in issuing an ID card combined bank card, it is necessary to secure the photo size to a predetermined size in order to facilitate identification.

However, since banks or credit cards are already allocated to bank information areas according to international and domestic bank card standards, in order to use them as ID cards, they must be recorded in the remaining areas. Will be restricted.

In addition, the IC card has the advantage of multi-functionality, and the indication of each function accommodated by each card must be displayed by the affiliate logo to increase confusion and increase convenience of the holder. Therefore, the existing magnetic card is replaced with the IC card. Increasingly, the need for space consideration for affiliate logos is increasing.

In addition, there is a risk that a negative identity card may be generated in the process of issuing an ID card combined bank card.

Conventional ID card issuance is issued by the user's personal account book at the issuing office, and the user's photo book is taken in a photo studio, and the photograph is attached to the account book. When ordering from a company, the company transfers the card user's photo and personal information on a blank card printed with common items and transfers the transferred card to the bank. The bank records bank information such as account information and password on the magnetic stripe of the transferred card, and forms emboss characters indicating the owner's name and account number, etc., in the emboss character area defined by the ISO standard. The emboss text is intended to prevent the owner information from being changed forever, sometimes necessary to print a receipt. When the completed card is handed over to the issuer, the issuer issues a card to each user.The user may misrepresent the personal information, make an error in writing the personal information at the issuer, or attach a photo incorrectly. There was always a case where an error occurred. In other words, in the issuance of a combined credit card issued by the conventional ID card, the personal information book is created only at the issuer, so cross-checking is not possible, and thus errors are found only at the final stage. If the user entered the personal information as false, there was a fear that a false identification card would be issued.

In addition, during the issuance process, there is a concern that the company or bank, etc., adds an extra blank card stamped by the issuer, and transfers the photo and personal information of the unidentified person on the extra card and uses it as the issuer's identity card. There was. In other words, it could not be used as a bank card, but because it can be used as an identification card of the issuer, there was a concern that a normal negative identification card would be issued.

SUMMARY OF THE INVENTION An object of the present invention is to provide an ID card combined bank card and an issuing method thereof, which can prevent user use and theft by facilitating user contrast by securing a photo transfer area to the maximum to solve such a problem.

The identification card combined bank card of the present invention for achieving the above object is provided with a user's photo transfer area between the international card identification area on the front of the card and the terminal area of the IC card, and between the upper side and the embossed text area. do. And an area in which the user's personal identification information is recorded on the left or right side of the photo transfer area, and a domestic bank logo or issuer logo area is disposed opposite to the area where the personal identification information is recorded.

In addition, between the magnetic stripe on the back of the card and the embossed character area, and on the left side of the signature area, a confirmation display area of the identity issuer is provided, and the confirmation display area is the same as the signature area to describe the seal or expiration date of the issuer. It consists of a signature sheet and has an affiliate logo area on the left side of the embossed letter area on the back of the card.

It may also be provided with a confirmation display area of the identity issuer on the left side of the embossed character area on the back of the card, between the magnetic stripe and the embossed character area on the back of the card, and an associated logo area on the left side of the signature area. .

In the issuing method of an ID card combined bank card according to the present invention, the preparation of the personal information account book of the user and the personal information book created by the issuer is performed: the common information is printed on the personal identification information of the personal picture and the personal information book. Transferring to a predetermined area of the card by a transfer process; Checking the error by comparing the picture transferred to the card and personal identification information with a picture book created by the user; Writing bank information on a magnetic stripe of an error-free card through a card data recording apparatus in a bank and imposing a function of a bank card by imprinting an embossed character on a predetermined area; And issuing a check mark of the issuer in a predetermined area of the bank card to which the function is granted at the issuer, and issuing an ID card combined bank card to the card user. Here, the error checking step may be performed by the issuer.

Therefore, in the present invention, it is possible to transfer the picture on the card to the maximum allowable size, thereby facilitating photo matching and preventing the issuance of theft and false identity card by performing the marking of the issuer in the final step.

Hereinafter, with reference to the accompanying drawings will be described in more detail the present invention.

Figure 3 shows the front of the ID card combined bank card according to the present invention, Figure 4 shows the rear.

ID card combined bank card 30 according to the present invention has an 85.7mm x 54mm size of the international standard of the bank card. The card 30 has an international card identification area 32 of 23 mm x 29.4 mm size at the front, an emboss character area 34 having a vertical width of 20 mm at the bottom, and an IC card terminal area area 36 of 12 mm x 14 mm at the middle left. It is assigned to this international standard. The terminal may be on either side of the front or back, or in any form of general contact or non-contact type currently used on some prepaid cards, but the international standard for the terminal area is between 19.23 mm and 28.55 mm from the top of the card, It is specified to be located between 10.25mm and 19.87mm from the left side. Therefore, in the front of the card, a space of 19.23 mm exists between the upper side and the terminal portion region 36, and only 19 mm space exists between the upper side and the international card identification region 32, but the top side and the emboss There is a space of 30 mm between the character regions 34. Therefore, in the present invention, the photo transfer area 38 is assigned to the center of the concave portion of the emboss character area 34 between the terminal area 36 and the international card identification area 32 on the front of the card without magnetic stripe. Write personally identifiable information in the left or right hand area (40, 42). In the area on the left or right where no personal identification information is written, it is used as the domestic credit card logo or issuer logo area. This allows you to transfer photo sizes up to 30mm x 25mm. In addition, since this area does not overlap with the IC card terminal area 36 even if it is later used as an IC card, it is not necessary to change the position. Especially, in the case of a non-contact IC card, a picture can also be transferred to the upper part of the IC terminal area 38. This makes the picture area even wider. In addition, since the photo area is located in the upper center portion of the front, it is very easy to collate the photo when identifying the identity.

This ease of photo contrast increases the effect of preventing identity theft or misuse. Reference numeral 44 denotes a roller trajectory of the card reader.

In Fig. 4, the card 30 has a magnetic stripe 46 of international standard and a signature sheet 48 of a domestic bank standard attached to the back. Therefore, there is an arbitrary usable area (50, 52) on the back of the card not specified in the standard, in the present invention, the area (50 or 52) is assigned to the area for giving a confirmation mark, such as the seal or stamp of the identification card issuer do. That is, in the present invention, in the issuing method described below, the areas 48 and 50 are formed of the same signature paper in order to process the seal of the issuer and the signature column for theft prevention. Such a configuration can simplify the manufacturing process.

In the case where the issuer is indicated by a seal, the area 52 is preferable to the area 50. And, the area which is not adopted as the stamp field among the 50 and 52 areas is allocated to the affiliate logo area.

In the card issuing method according to the present invention, referring to FIG. 5, a step 100 of preparing a user's personal information book and a personal information account book created by the issuer is provided, and the photo book and the personal information book are transmitted to the transfer company. A step 110 of transferring the card user's photo and personal identification information to a predetermined area of the card on which the common matter is printed by a transfer process; Comparing the step (120) of checking the error, and writing the bank information on the magnetic stripe of the card without errors in the bank through the card data recording device and imprinting the embossed character in a predetermined area to give the function of the bank card ( 130) and a check mark of the issuer in the predetermined area of the bank card to which the issuer has been granted a function to provide the card user with an ID card. Issuance step 140.

In the transfer process, the printing data for the printing data created by the photo of the photo book and the personal identification information of the personal information book is stored in a recording medium such as a floppy disk and sent to the printing device. When inserted, the printing data is printed out to the transfer sheet in the printing process. The transfer sheet is a structure having a transparent sheet made of transparent PET and a dye attaching layer having a uniform thickness formed almost entirely on one side of the transparent sheet. Therefore, a thermosetting ink showing printing data is deposited on the dye-attached layer of the printed sheet which is printed out. This ink may use a sublimable dye. The transfer sheet faces the surface on which the dye adhesion layer is formed to the printing sheet and at the same time contacts the ink with the printing sheet. The transfer sheet and the print seek are first hot pressed. The dye adhesion layer and the ink are separated from the transparent sheet and transferred onto the printing sheet to synthesize the common matter with the printed portion. The transparent sheet from which the dye adhering layer and ink are separated is peeled off, and the printing sheet having the dye adhering layer and ink left as an identification sheet is inserted between the transparent sheet and the card base paper and adhered to them by secondary thermocompression bonding. Therefore, photos and personal details are to be transferred onto the card.

In such a transfer process, if the transfer of the seal or stamp of the issuer is integrated, there is a fear that a negative identity card will be issued when the negative photo and personal information are simultaneously inserted into the transfer process. However, in the present invention, as shown in FIG. 6, the preparation of the personal information book of the user and the personal information book prepared by the issuer and the personal information book created by the issuer, as shown in FIG. Transferring to a predetermined area of the card where the common matter is printed by the transfer process (210), and the issuer checks the error by comparing the photo transferred to the card and personal identification information with the picture book, and seals or stamps the normal card. A step 220 of making a check mark, etc., a step 230 of recording bank information on the magnetic stripe of the card through the card data recording apparatus and imposing a embossed character on a predetermined area to give the function of the bank card 230; Issuing a bank function issuing an ID card combined bank card to the card user, the step 240 is confirmed by the issuer after the transfer process By Jung in to the stamp or seal it is able to prevent unauthorized use and theft.

The transferred card is handed over to the bank to insert bank information such as user data, account number, credit debit, card number, etc., read from a floppy disk in which the user data is recorded, into the magnetic stripe of the card through the magnetic head. do.

In addition, when used in combination with an IC card, a prepaid card, credit debit, electronic wallet, electronic bankbook information, and personal identification information is recorded in the IC.

As described above, since the present invention undergoes a stamping process of the issuer after the transfer process, it is possible to prevent theft and issuance of an identity card.

In addition, since the user directly cross checks the photo book and the photo transferred to the card and personal identification information, it is possible to prevent the issuance of a false ID card due to the user's misrepresentation and to significantly reduce the input of data.

In the above-described embodiment of the present invention, the case of the bank card has been described as an example, but the present invention is not limited thereto, and a credit card issued by a credit card company and an identification card may also be used.

Claims (10)

An ID card combined bank card, comprising: a user's photographic transfer area between the international card identification area on the front of the card and the terminal area of the IC card, and between the upper side and the embossed character area. The bank card according to claim 1, further comprising an area in which personal identification information of the user is recorded on the left or right side of the photo transfer area. The bank card according to claim 2, wherein a domestic bank (or card company) logo or issuer logo area is provided at a position opposite to the area where the personal identification information is recorded. The identification card combined bank card according to claim 1, further comprising an identification display area of the identity issuer between the magnetic stripe on the back of the card and the embossed character area and on the left side of the signature area. 5. The bank card according to claim 4, wherein the confirmation display area is composed of the same signature paper as the signature area in order to indicate the seal or expiration date of the issuer. The bank card according to claim 4, further comprising an associated logo area on the left side of the embossed letter area on the back of the card. The bank card of claim 1, further comprising a confirmation display area of an identity issuer on a left side of an embossed character area on the back of the card. 10. The bank card according to claim 7, wherein an associated logo area is provided between the magnetic stripe on the back of the card and the embossed character area and to the left of the signature area. Preparing a photo book created by the user and a personal information book of the user created by the issuer; Transferring the personal identification information of the picture book and the personal information holder to the predetermined area of the card on which the common information is printed by a transfer process; Checking the error by comparing the personal information of the photo transferred to the card with a photograph book prepared by the user; Writing bank information on a magnetic stripe of an error-free card in a bank through a card data recording apparatus, and imposing a function of a bank card by imprinting an embossed character on a predetermined area; And issuing a check mark of the issuer in a predetermined area of the bank card to which the issuer is granted, and issuing an ID card combined bank card to the card user. Preparing a user account book created by the user and a personal information book created by the issuer; Transferring the photograph of the photographic book and the personal identification information of the personal information book by the transfer process to a predetermined area of the card on which the common information is printed; Comparing the picture transferred to the card with personal identification information with a picture book to check an error and displaying a check mark of the issuer on the card having no problem; Writing bank information on a magnetic stripe of an error-free card in a bank through a card data recording apparatus and imposing a emboss character on a predetermined area to impart a bank card function; And issuing an ID card combined bank card provided with a banking function to the card user.