KR200274026Y1 - Credit card having prevention function of unfair use - Google Patents

Abstract

The present invention relates to a credit card having a fraud prevention function. By providing a fraud function to the credit card itself, it is possible to prevent financial loss of a credit card holder by preventing fraud in the event of a lost / stolen accident. Present a credit card with fraud protection.

Description

Credit card having prevention function of unfair use}

The present invention relates to a credit card and a reading method thereof, and more particularly, to a credit card having a fraud prevention function and a method of reading the credit card.

In general, a credit card is a plastic identification card issued by a bank or a large store. The credit card is a card that allows payment of post-paid payment for various services including purchase of goods or cash withdrawal from a cash dispenser (CD). Widely used.

Credit card merchants are allowed to pay post-payment by checking the credit limit and validity by reading the credit card while accessing the main computer of the credit card issuing company online through a credit check terminal (CAT). In addition, the bank's cash dispenser reads credit card information to verify the cardholder's account details and pay cash. Such credit cards can be used more easily than cash, which is difficult to store or handle, and its use is gradually increasing in line with the trend of credit development due to economic development.

Moreover, as part of a transparent tax payment policy in the country, credit card affiliates are required for service providers of a certain size, and in order to induce the use of credit cards, it is necessary to use credit card in the credit card lottery system or year-end settlement. The use of credit cards is expected to continue to increase due to tax credits.

Looking at the structure of the credit card through FIG. 1, the card number (for example, 1111 2222 3333 4444), expiration month / year (for example, 07/05), and English name (for example) are provided on the front portion 10a. For example, HONG KIL DONG is recorded, and a magnetic strip 12 and a signature column for reading identification information are formed in the horizontal direction (long axis direction) on the back portion 10b. In addition, the magnetic strip 12 stores predetermined information that can be identified, such as identification information and password of the card holder.

However, a conventional credit card having such a structure has a problem in that only one magnetic strip 12 is formed so that the identification information can be easily read, but is easily used by another person if it is lost or stolen due to personal carelessness. For example, in the case of cash withdrawal, a password must be entered through a cash dispenser, but in the case of postpay payment for various service charges including the purchase of goods, only the reading of the magnetic strip 12 of the credit card through a credit check terminal is used. This could result in huge financial loss by others.

In particular, in the case of bank-based credit cards, their bank account and cash withdrawal functions are comprehensive, so if you lose your credit card, you will be able to withdraw the deposits left in your bank account, as well as the indiscriminate use of the acquirer or theft. Causes phosphorus loss.

The present invention has been made to solve the problems of the prior art described above, by providing a fraudulent function to the credit card itself to prevent fraudulent use in the event of a lost / stolen accident to prevent the financial loss of the credit card holder in advance It is an object of the present invention to provide a credit card with anti-fraud function.

1 is a schematic view showing the front and back of a typical credit card.

2 is a schematic diagram showing a front part and a back part of a credit card according to a first embodiment of the present invention;

3 is a schematic diagram showing a front portion and a back portion of a credit card according to a second embodiment of the present invention;

4 is a schematic diagram showing a front part and a back part of a credit card according to a third embodiment of the present invention;

5 is a flowchart for explaining a method of reading a credit card shown in FIGS. 2 to 4;

<Explanation of symbols for main parts of drawing>

10a, 20a, 30a, 40a: front side of credit card

10b, 20b, 30b, 40b: back of credit card

Magnetic strips: 12, 22a, 22b, 32a, 32b, 32c, 32d, 42a, 42b, 42c, 42d

24a, 24b, 24c, 24d, 34a, 34b, 34c, 34d, 44a, 44b, 44c, 44d: display unit

In order to achieve the above object, the present invention provides a credit card that allows post-payment of goods, service charges, or cash services through an automatic teller machine, wherein the front portion of the credit card includes a plurality of indicators for indicating a reading direction. At least two magnetic strips are formed at the edges of the rear portion, and the magnetic strips are provided with identification information and passwords of credit card holders, respectively.

In the present invention, preferably, at least one or more display units are formed at each corner portion of the front portion, and display units formed at each corner portion are formed in opposite directions or in the same direction.

In addition, in the present invention, the display unit may be formed in a different color or shape, and the magnetic strips may be formed one by one on each of upper and lower edges and left and right edges of the rear portion.

In addition, in the present invention, the magnetic strips are each formed at the edges of the top, bottom, left, and right sides of the rear portion, and the magnetic strips formed on the upper and lower sides are formed so as not to overlap with the left and right magnetic strips.

In addition, in the present invention, the magnetic strips formed on the upper and lower sides are formed to overlap the left and right magnetic strips, but the insulating bands are embedded in the overlapping portions.

In addition, in the present invention, the identification information and the password are each embedded only in a predetermined magnetic strip selected by the credit card holder among the magnetic strips when the credit card is set. It is characterized in that it is read only when reading sequentially in the direction of the display portion.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

Figure 2 is a simplified diagram showing a credit card according to a first embodiment of the present invention, showing a front portion 20a and a back portion 20b of the credit card.

2, the credit card according to the first embodiment of the present invention is separated into a front portion (20a) and a rear portion (20b).

In the front portion 20a, a plurality of display portions 24a to 24d for indicating the reading directions of the magnetic strips 22a and 22b are formed in a predetermined direction, preferably in a direction opposite to each other, and the card number (for example, 1111 2222 3333 4444), expiration month / year (eg 07/05) and English name (eg HONG KIL DONG). Here, the display units 24a to 24d are used as display units for reading order, and are displayed in different colors (red, green, blue, black, etc.) or shapes (triangles, squares, circles, ellipses, etc.) so as to be distinguished from each other. When a credit card is manufactured, it is selected and set by a user (hereinafter referred to as 'owner').

In the rear portion 20b, two magnetic strips 22a and 22b for reading identification information are formed on both sides in the horizontal direction (long axis direction), respectively, and each of the magnetic strips 22a and 22b has an owner's social security number. Identification information and password, such as is stored at the same time, or identification information and secret information is stored respectively. In addition, the magnetic strips 22a and 22b sequentially select two of the display sections 24a to 24d indicating the reading direction when the owner sets the card reading order at the time of application for issuing a credit card. The card must be read in order to be approved for credit card use.

In addition, the owner's signature column and other information such as a credit card number, a telephone number of a credit card company, etc., are placed inside the two magnetic strips 22a and 22b.

Such a credit card has a magnetic stripe in the direction of the display section 24a when the credit card is read when the owner selects the display section 24a in the first order and the display section 24c in the second order. When the information stored in the magnetic strip 22b is read in the direction of the display section 24c after the information stored in the 22a is read, the credit card is made to permit use of the credit card, otherwise the use of the credit card is prohibited. The city identification number and the password are stored in the magnetic strips 22a and 22b, respectively.

If a credit card is read in the direction of the display unit 24a in the reading order selected and set by the owner, that is, in the direction of the display unit 24c and then in the direction of the display unit 24c, the use of the credit card is permitted. On the other hand, when the credit card is read in the direction of the display unit 24c and then in the direction of the display unit 24a, the credit card issuing company assumes that the stored identification information and password of the customer are wrong, The credit card authorization is rejected, and the postal processing of the various service charges is not allowed, and the predetermined cash service is stopped at the same time.

3 is a simplified diagram showing a credit card according to a second embodiment of the present invention, showing a front portion 30a and a back portion 30b of the credit card. Referring to Figure 3, the credit card according to the second embodiment of the present invention is separated into a front portion (30a) and a rear portion (30b).

On the front portion 30a, a plurality of display portions 34a to 34d for indicating the reading direction of the magnetic strips 32a to 32d are formed in a predetermined direction, preferably in a predetermined direction, and the card number (for example, 1111 2222). 3333 4444), expiration month / year (eg 07/05) and English name (eg HONG KIL DONG). Here, the display units 34a to 34d may be used as display units for reading order, and may be displayed in different colors (red, green, blue, black, etc.) or shapes (triangle, square, round, oval, etc.) so as to be distinguished from each other. When a credit card is manufactured, it is selected and set by a user (hereinafter referred to as 'owner').

Four magnetic strips 32a to 32d for reading identification information are formed at the top, bottom, left and right edges of the back portion 30b. In particular, it is preferable to appropriately adjust the lengths of the magnetic strips 32a and 32b and the left and right magnetic strips 32c and 32d formed on the upper and lower sides of the back portion 30b of the credit card so as not to overlap each other.

Each of the magnetic strips 32a to 32d simultaneously stores identification information such as a resident registration number of a card holder and a password, or stores identification information and secret information, respectively. Further, the magnetic strips 32a to 32d sequentially select two of the display units 34a to 34d indicating the reading direction when the owner sets the card reading order at the time of application for issuing a credit card. The card must be read in order to be approved for credit card use. In addition, other information such as the owner's signature line, the credit card number, the telephone number of the credit card company, and the like are placed inside the four magnetic strips 32a and 32d.

Such a credit card has a magnetic stripe in the direction of the display unit 34b when the credit card is read when the owner selects the display unit 34b in the first order and the display unit 34d in the second order. When the information stored in the magnetic strip 32d is read in the direction of the display section 34d after the information stored in the 32b is read out, a credit card is made to permit the use of the credit card, otherwise the use of the credit card is prohibited. The city identification number and the password are stored only in the magnetic strips 32b and 32d, respectively.

If the credit card is read in the reading order set by the owner, that is, the credit card is read in the direction of the display unit 34b and then in the direction of the display unit 34d, the use of the credit card is permitted. On the other hand, when the credit card is read in the direction of the display unit 34d and then in the direction of the display unit 34a, the credit card issuing company assumes that the stored identification information and the password of the customer are wrong. The credit card authorization is rejected, the postpay processing of various service charges is not allowed, and the predetermined cash service is suspended.

4 is a simplified diagram showing a credit card according to a third embodiment of the present invention, showing a front portion 40a and a back portion 40b of the credit card. Here, since the third embodiment of the present invention is identical in operation characteristics to the second embodiment, only the structure thereof will be described herein.

4, the credit card according to the third embodiment of the present invention is separated into a front portion (40a) and a rear portion (40b).

On the front portion 40a, a plurality of display portions 44a to 44d for indicating the reading direction of the magnetic strips 42a to 42d are formed in a predetermined direction, preferably in a predetermined direction, and the card number (for example, 1111 2222). 3333 4444), expiration month / year (eg 07/05) and English name (eg HONG KIL DONG). In this case, the display units 44a to 44d are used as display units for reading order, and are displayed in different colors (red, green, blue, black, etc.) or shapes (triangles, squares, circles, ellipses, etc.) so as to be distinguished from each other. When a credit card is manufactured, it is selected and set by a user (hereinafter referred to as 'owner').

Four magnetic strips 42a to 42d are formed at the edges of the back portion 40b to read identification information, respectively, and as shown, the magnetic strips 42a to 42d extend to the ends. Since it is formed, an intersection point is formed between the upper and lower sides and the left and right sides. Accordingly, in order to prevent collision of the magnetic strips 42a to 42d, a rectangular insulating band 46 is embedded at each intersection.

Each of the magnetic strips 42a to 42d simultaneously stores identification information and a password, such as a resident registration number of the cardholder, or stores identification information and secret information, respectively. In addition, the magnetic strips 42a to 42d sequentially set two or more, preferably two, of the display sections 44a to 44d indicating the reading direction when the owner sets the card reading order at the time of application for credit card issuance. The card must be read and in this order to be authorized for credit card use. In addition, other information such as the owner's signature line, credit card number, telephone number of the credit card company, etc. is placed inside the four magnetic strips 42a and 42d.

The operational characteristics of the method for reading a credit card with a fraud prevention function according to the first to third embodiments of the present invention described above will be described below with reference to FIG. 5.

First, when a credit card holder purchases or eats a meal at a credit card merchant, and requests a card payment, the credit check terminal can access the main computer of the credit card issuing company online or read the credit card at an ATM. A preparation is made (step S11).

Thereafter, the credit card may be read once (i.e., when two magnetic strips are read sequentially) (step S12), and the card user may read the information directly, or may notify the credit card merchant to read the card reading order on behalf of the credit card. have.

When the card is read once and the preset order is satisfied, the credit card merchant allows postpay processing, and the cash dispenser pays cash (steps S13 and S14).

On the other hand, when the card is read once and does not satisfy the preset order, when the card is read again and read three or more times (steps S15 and S16), the credit card company rejects the credit card for a certain period of time, ATMs also decline cash payments.

In the case of reading using a credit card according to the first embodiment of the present invention, eight cases are obtained, and in the second and third embodiments, there are 384 cases. If the setting is adjusted according to the direction of the display unit, the number of more cases may come out. Accordingly, the probability that the credit card is used by another person is reduced by that much.

In addition, the embodiment of the present invention is not limited to the above embodiments, the magnetic strip and the display portion may be different in the back portion of the credit card within a range that can be easily implemented by those skilled in the art. . For example, the number of magnetic strips may be three or five or more, and the direction of the display portion indicating the reading direction may be different.

As described above, according to the credit card with a fraud prevention function of the present invention and its reading method, the card does not satisfy the preset reading order when the credit card is lost or stolen by the carelessness of the card holder. By denying authorization or cash service at merchants, it is possible to prevent the loss of credit cards by financially.

In addition, when the card holder directly reads the credit card, there is an effect of preventing the financial loss caused by the double charge of the card recipient.

Claims (8)

A credit card that allows for post-payment of goods, services, or cash advances through cash dispensers, The front portion of the credit card is formed with a plurality of display portions for indicating the reading direction, at least two magnetic strips are formed at the edge of the rear portion, the magnetic strip is embedded with identification information and password of the credit card owner, respectively Credit card with a fraud prevention function, characterized in that. The method of claim 1, At least one display unit is formed at each corner portion of the front portion, and the display portions formed at each corner portion are opposite to each other or are formed in the same direction. . The method of claim 1, The display unit is a credit card with a fraud prevention function, characterized in that formed in different colors or shapes. The method of claim 1, And said magnetic strip is formed one at each of the top, bottom, left and right edges of said back portion. The method of claim 1, And one magnetic strip each formed at an edge of each of the top, bottom, left, and right sides of the back portion. The method of claim 5, The magnetic strip formed on the upper and lower sides is formed so as not to overlap each other with the left and right magnetic strips. The method of claim 5, The magnetic strip formed on the upper and lower sides is formed to overlap with the left and right magnetic strips, but the overlapping portion is provided with an insulating strip. The method of claim 1, The identification information and the password are respectively embedded only in a predetermined magnetic strip selected by the credit card holder among the magnetic strips when the credit card is set, and sequentially read in the direction of the display unit corresponding to the magnetic strip in which the identification information and the password are embedded. A credit card having an illegal use prevention function, which is read only when read.