KR101752453B1 - Double card having function of credit card and debit card - Google Patents

Abstract

An embodiment of the present invention relates to a double card having a check card and a credit card function, and a technical problem to be solved is to make it easy to use and carry and to induce planned consumption.
To this end, an embodiment of the present invention includes a plate; A credit card unit having check card information capable of receiving a check card service on a first area of one side of the plate and check card information providing check card service; And a credit card portion provided with credit card information for providing credit card service and credit card company information on a second area remote from the first area on one side of the plate, Disclosed is a double card having a card function.

Description

{DOUBLE CARD HAVING FUNCTION OF CREDIT CARD AND DEBIT CARD}

An embodiment of the present invention relates to a double card having a check card and a credit card function which are easy to use and carry.

Generally, credit cards and check cards are used in financial transactions.

When a user presents a credit card at a merchant of a credit card, the credit card of the above-mentioned financial transaction card is displayed through a card reader connected to a credit card company online, This is a card that is used for a kind of trafficking transaction in which a credit card company allows a credit card company to charge a credit card company after a certain amount of time.

When a user presents a check card at a merchant of a check card, the card is connected to a financial institution (for example, a bank or the like) The card is read through the card reader, and if the balance remaining in the financial account connected to the check card remains above the transaction amount, the transaction from the financial account is immediately withdrawn to the merchant.

FIG. 1 is a front view of a credit card or a check card according to the prior art, and FIG. 2 is a rear view of a credit card or a check card according to the prior art.

1 and 2, a credit card or check card 1 according to the prior art has a rectangular plate-shaped plastic plate 3 on which the user's name and the serial number of the card are engraved, A hologram sticker 2 for preventing copying, and the like, and a magnetic tape 4 and a signature sticker 5 on which customer information such as the serial number of the card is recorded are attached to the backside thereof.

However, there has been an inconvenience in that a credit card or a check card according to the prior art must be individually issued.

In addition, when a card is lost while holding a credit card and a check card separately, there is a problem that it is troublesome for the card company to report the lost card to the card company, There is a problem that illegal use may occur.

In order to compensate for this, the developed credit card and the hybrid card function of the check card use the credit card according to the planned expenditure although there is the account balance according to the consumer, but the use of the credit card is limited until the account balance is lost. There is a problem that a separate card (credit) card must be held.

Patent Publication No. 10-2009-0090250 " Integrated Card " Published Japanese Patent Application No. 10-2008-0073219 " Electronic Card and Manufacturing Method &

An embodiment of the present invention provides a double card having a check card and a credit card function that can be easily used and carried and can lead to a planned consumption.

A double card having a check card and a credit card function according to an embodiment of the present invention includes a plate; A check card unit having check card information capable of receiving a check card service on a first area of one side of the plate and check card information providing check card service; And a credit card unit having credit card information for providing credit card service on a second area remote from the first area on one side of the plate and credit card company information for providing a credit card service.

A first magnet unit used on the other surface opposite to the one surface of the plate on the area corresponding to the check card unit at the time of check card settlement; And a second magnetic part on the other surface of the plate, the second magnetic part being used for credit card payment on the area corresponding to the credit card part.

The settlement direction of the first magnetic portion and the settlement direction of the second magnetic portion may be opposite to each other.

Wherein the check card information and the credit card information include a user's name, a serial number of the card, and validity period information, the check card information is printed in the payment direction of the first magnetic portion, And printed in the direction of payment of the magnetic part.

A check IC chip and a credit IC chip for copy protection may be provided on the first area and the second area of the check card part and the credit card part, respectively.

The double card having the check card and the credit card function is a double card having the membership card information and membership service capable of earning points and earning points on a third area spaced apart from the first area and the second area on one side of the plate, And a membership card portion for providing a membership card.

And a third magnetic part used on the other surface of the plate on the area corresponding to the membership card part, the third magnetic part being used for payment of the membership card, and the payment direction of the third magnetic part is opposite to the payment direction of the first magnetic part or the second magnetic part Vertical direction, and the membership card information is printed in the payment direction of the third magnetic portion.

The double card having the check card function and the credit card function according to the embodiment of the present invention can compensate the drawbacks in using the existing credit card or check card by integrating various cards, Lt; / RTI >

In addition, an embodiment of the present invention can improve the sales volume of card companies by allowing a plurality of cards to be simultaneously registered.

1 is a front view of a credit card or a check card according to the prior art.
2 is a view showing a back surface of a credit card or a check card according to the prior art.
3 is a front view of a double card having a check card and a credit card function according to an embodiment of the present invention.
4 is a rear view of a double card having a check card and a credit card function according to an embodiment of the present invention.

The terms used in this specification will be briefly described and the present invention will be described in detail.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. Also, in certain cases, there may be a term selected arbitrarily by the applicant, in which case the meaning thereof will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term, not on the name of a simple term, but on the entire contents of the present invention.

When an element is referred to as "including" an element throughout the specification, it is to be understood that the element may include other elements, without departing from the spirit or scope of the present invention. Furthermore, the term "part" or the like described in the specification means a unit for processing at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

FIG. 3 is a front view of a double card 10 having a check card and a credit card function according to an embodiment of the present invention. FIG. 4 is a view showing a check card and a credit card function according to an embodiment of the present invention. Fig. 5 is a view showing the rear surface of the double card 10 provided.

3 and 4, a double card 10 having a check card and a credit card function according to an embodiment of the present invention includes a plate 100, a check card unit 110, and a credit card unit 120, .

The plate 100 is made of a plastic material having a rectangular shape. A protective film (not shown) is formed on one surface of the plate 100 to improve impact resistance and thermal adhesion. The construction of the protective film will be described later.

The check card unit 110 includes check card information 112 that can be provided with a check card service on a first area of one side of the plate 100 and check card information (that is, an ΟΟ bank) .

On the other surface of the plate 100 opposite to the one surface, a first magnetic part 113 is formed on the area corresponding to the check card part 110 for use in check card payment. Here, the first magnetic unit 113 records basic information and member information of a check card in order to receive a financial service. The basic information of the check card may include a member's name, a check card number, and an expiration date. The basic information of the check card is printed in the payment direction of the first magnetic part 113. That is, the basic information of the check card is printed in the direction opposite to the credit card information 121 printed on the second magnetic portion 123.

The first magnetic unit 113 is used as a check card that uses a transaction amount from a financial account when a balance of a transaction amount or more remains in a financial account. At this time, the payment direction of the first magnetic part 113 may be opposite to the payment direction of the second magnetic part 123.

In addition, a check IC chip 111 for preventing copying may be provided on a predetermined area (i.e., a first area) of the check card unit 110.

The credit card unit 120 includes credit card information 122 capable of receiving a credit card service on a first area of the first surface of the plate 100 and a second area of the first area of the plate 100, (I. E., A card).

A second magnetic part 123 used for credit card payment is formed on the other surface of the plate 100 in a region corresponding to the credit card part 120. In the second magnetic unit 123, basic information of the credit card and member information are recorded in order to receive the financial service. The basic information of the credit card may include a member's name, a credit card number, and an expiration date. The basic information of the credit card is printed in the payment direction of the second magnet 123. That is, the basic information of the credit card is printed in the direction opposite to the basic information of the check card printed on the first magnetic portion 113. In addition, the payment direction of the second magnetic part 123 may be opposite to the payment direction of the first magnetic part 113.

A credit IC chip 121 for preventing copying may be provided on a predetermined area (i.e., a second area) of the credit card unit 120.

A signature unit 130 may be formed between the first magnetic unit 113 and the second magnetic unit 123 to write a signature of the user.

The double card 10 having a check card and a credit card function according to an embodiment of the present invention configured as described above is provided with a first magnetic part 113 and a second magnetic part 123, You can read the check or credit card information that you see and use it as a check or credit card.

Cardholder information and other security and encryption codes are stored in the first magnetic part 113 and the second magnetic part 123 in a form readable by a magnetic reader or the like. At this time, the card information stored in the first magnetic part 113 and the second magnetic part 123 is in accordance with the ISO 7811 standard. According to ISO 7811, the first magnetic part 113 and the second magnetic part 123 should be divided into at least one track. Each track has a prescribed capacity and uses differently for each track. For example, if the first magnetic part 113 and the second magnetic part 123 are composed of two tracks, track 1 is a room for 79 7-bit alphanumeric characters, Specific information is stored, track 2 has space for 40 5-bit numeric characters, and information of a check card or information of a credit card can be stored.

ISO 7811 further subdivides the data fields in the track and assigns these fields to specific information, for example track 1 may contain a primary member number, a country code, a surname, an initial or initial, , A title, an expiration date, and the like. Track 2 has a data field format in which primary member numbers, expiration dates, country codes, and the like are stored. In this case, there is a space for storing arbitrary data in each of the tracks 1 and 2, 13 characters in the case of the track 1, and 2 characters in the case of the track 2, which are related to the sampling of the analog signal do.

On the other hand, when the first magnetic part 113 is connected to the card terminal to use the double card 10 according to the present invention as a check card, The second magnetic part 123 can be used to make a credit payment. That is, when the first magnetic unit 113 is connected and used as a check card, an amount of money more than the amount to be paid must remain in the passbook. The user may desire to use the card as a check card after purchasing the product without knowing it . At this time, if the amount of money in the passbook is insufficient, the payment is not made with the check card, so that the user can easily change the settlement direction to deal with the credit card again and connect the second magnetic unit 123 to settle the settlement.

Therefore, the double card 10 having the check card and the credit card function can compensate the drawbacks in using the existing credit card or the check card by integrating various cards, and it is easy to use and carry and induce planned consumption And a plurality of cards can be joined at the same time, so that the sales volume of the card company can be improved.

Although not shown, the double card 10 having the check card and the credit card functions can accumulate points on a first area of the first surface of the plate 100 and on a third area that is separated from the second area, And a membership card portion for providing membership card information and membership service that can be provided.

In addition, a third magnetic part may be formed on the other surface of the plate 100 to be used at the time of payment of the membership card on the area corresponding to the membership card part. At this time, the payment direction of the third magnetic part may be opposite to or perpendicular to the payment direction of the first magnetic part 113 or the second magnetic part 123, and the membership card information may be printed in the payment direction of the third magnetic part .

The double card 10 having the above-described check card and the credit card function as described above has advantages in portability and year-end income deduction as described below. In other words, since the use of card holders is easier than that of wallets in younger people, it is advantageous in that it is not necessary to store multiple cards in duplicate and is portable. In addition, it is advantageous that card users can deduct the year-end income (check 30%, credit 15%) with a single card. In addition, by joining two cards at the same time by combining or integrating various cards (for example, points, two credit cards of different services, etc.), not only does the convenience of consumers increase, but also the sales and usage of card companies are increased, ATM (cash dispenser) and card reader can be used without modification. In addition, since multiple cards can be integrated, one card can utilize all the functions of the card, and the user can carry only one card without having to carry many cards, You can see the effect of the card you want to use otherwise.

On the other hand, 66% by weight of propylene homopolymer and 17% by weight and 34% by weight of ethylene propylene rubber are added to one surface of the plate 100 of the double card 10 having the check card and the credit card function in order to improve impact resistance and heat adhesion. A protective film comprising an ethylene propylene block copolymer polymerized stepwise in the reactor may be formed. At this time, the ethylene content of the ethylene propylene rubber is 25 to 50 wt%, and the intrinsic viscosity of the solvent extract of ethylene propylene rubber (solvent decalin, 135 ° C) may be 1 to 2.5 dl / g. Such a protective film may be a CPP film having heat resistance suitable for high temperature sterilization, excellent impact resistance and heat bonding property, and orange peel suppressed after sterilization and having excellent appearance.

The propylene homopolymer is polymerized by injecting propylene alone in the polymerization reactor. The method of polymerizing the polymer is by a conventional method known in the art, and is not particularly limited in the present invention.

The content of the ethylene-propylene block copolymer is 66 to 83% by weight. When the content of the ethylene-propylene block copolymer is less than 66% by weight, the crystallinity of the ethylene-propylene block copolymer is lowered and the heat resistance is lowered. On the other hand, when it exceeds 83% by weight, the impact resistance is lowered and orange peel occurs after sterilization, which is not preferable.

The ethylene propylene rubber is continuously polymerized in the presence of ethylene propylene rubber in a subsequent polymerization reactor after polymerization of the propylene homopolymer. The method of polymerizing the rubber copolymer is a conventional method known in the art, and is not particularly limited in the present invention.

The ethylene propylene rubber is continuously polymerized in the reactor after the polymerization of the propylene homopolymer and the constituent materials of the propylene homopolymer and the ethylene propylene rubber are the same as the propylene chain so that they are uniformly dispersed by the affinity of the two phases, The deterioration can be minimized, the impact resistance can be improved, and the occurrence of orange peel after sterilization can be suppressed. The ethylene propylene rubber is polymerized in an amount of 18 to 35% by weight based on the ethylene-propylene block copolymer.

The intrinsic viscosity (decalin solvent) of the solvent extract in the ethylene propylene rubber is preferably 1 to 2.5 dl / g. If the intrinsic viscosity is less than 1 dl / g, the size of the rubber component is small and the molecular weight of the rubber component is small, so that the impact characteristics are degraded. If the intrinsic viscosity exceeds 2.5 dl / g, the size of the rubber component becomes larger and the rubber component becomes lumpy and the dispersibility is lowered, resulting in orange peel after sterilization. In addition, partial localization of the pouch film may occur after sterilization.

In addition, since the dispersion of the rubber is caused by the viscosity difference between the propylene homopolymer and the ethylene propylene rubber, the ratio of the intrinsic viscosity of the solvent insoluble matter in the ethylene propylene block copolymer to the intrinsic viscosity of the solvent extract in the ethylene propylene block copolymer is { (Intrinsic viscosity of solvent extract) / (intrinsic viscosity of solvent insoluble matter)} 0.6 to 1.4. If the ratio of the intrinsic viscosity is less than 0.6, the rubber component is reduced in size to lower the impact characteristics, and if it exceeds 1.4, the rubber components are clumped and the dispersibility is lowered.

The ethylene propylene rubber preferably has an ethylene content of 25 to 50% by weight. If the ethylene content is less than 20% by weight, the elasticity of the rubber decreases to decrease the impact resistance. When the ethylene content exceeds 50% by weight, the compatibility of the propylene homopolymer and the ethylene propylene rubber is lowered, Orange peel will occur.

The protective film preferably has a melt index of 1 to 10 g / 10 min (ASTM D 1238, 230?). If the melt index is less than 1 g / 10 min, the flowability of the molten resin is lowered, resulting in an increase in the extrusion load during the formation of the CPP film, resulting in a significant decrease in productivity. When the melt index exceeds 10 g / 10 min, The thickness uniformity of the CPP film is lowered and the mechanical strength is lowered due to the lower molecular weight, which is not preferable.

The present invention is not limited to the above-described embodiment, but may be applied to other types of cards such as a card, It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

10: Double card 100: Plate
110: Check card part 111: Check IC chip
112: check card information 113: first magnetic part
120: credit card section 121: credit IC chip
122: credit card information 123: second magnetic part
130:

Claims (7)

plate;
A check card unit having check card information capable of receiving a check card service on a first area of one side of the plate and check card information providing check card service;
A credit card unit provided with credit card information for providing a credit card service and credit card company information for providing a credit card service on a first area on one side of the plate and on a second area separated from the first area; And
And a membership card portion for providing membership card information and membership service for earning points on a first area on one side of the plate and a third area spaced apart from the second area and being provided with membership service,
A first magnet unit used on the other surface opposite to the one surface of the plate on the area corresponding to the check card unit at the time of check card settlement;
A second magnetic portion on the other surface of the plate, the second magnetic portion being used for credit card payment on a region corresponding to the credit card portion; And
And a third magnetic part on the other surface of the plate, the third magnetic part being used for payment of the membership card on the area corresponding to the membership card part,
Wherein the direction of payment of the first magnetic part and the direction of payment of the second magnetic part are opposite to each other,
Wherein the third magnetic portion is oriented in a direction perpendicular to a direction in which the first magnetic portion and the second magnetic portion are oriented,
The check card information and the credit card information include the user's name, the serial number of the card, and the expiration date information,
Wherein the check card information is printed in the payment direction of the first magnetic portion,
The credit card information is printed in the payment direction of the second magnetic part,
Wherein the membership card information is printed in the payment direction of the third magnetic portion.
delete delete delete The method according to claim 1,
And a check IC card and a credit IC chip for copy protection are provided on the first area and the second area of the check card part and the credit card part, respectively.
delete delete

Images