DE10013284A1 - Data carrier with security/safety feature e.g. for credit-, cash-cards, includes information characterizing the security feature and stored in the memory device associated with the data carrier - Google Patents

Abstract

The identity of a data carrier and memory device is verified by additional measures in order to improve security of the system and information characterizing the safety or security element is stored in the memory device belonging to the data carrier, since the security or safety element varies considerably from data carrier to data carrier. The data carrier is specifically a euro-check-, a bank-, credit-, cash-UMTS-, a health-security and/or a telephone- card.

Description

The invention relates to a data carrier with at least one Security feature and at least one storage device, a method of determining the togetherness of one Storage device and a disk that with the Storage device is provided, a device for Manufacture of such a data carrier, a card terminal for Implementation of the process, an integrated circuit to carry out the method and a security element for Data carrier according to the generic term of the relevant independent Claim.

In "Handbuch der Chipkarten", Wolfgang Rankl, Wolfgang Effing, 3rd edition, Carl Hanser Verlag, 1999, is the so-called mm- Procedure for securing German Eurocheque cards described. "MM" is therefore derived from the term "modulated characteristic" and can be used as an indication of an im Machine-readable inserted inside the Eurocheque card Substance can be understood. The purpose of this feature is that unauthorized copying and manipulation of the magnetic stripe of the Prevent Eurocheque card. When checking the card the so-called mm code from a special sensor from the Card read out and sent to a security module, the so-called mm box, passed on. In addition, get the whole Data content of the magnetic stripe and in particular an MM  Test value, which is also stored on the magnetic stripe be. Inside the MM box, one runs up during the card check the DES based one-way function from Calculate magnetic stripe data and the MM code. Is this result is identical to the MM test value, then decided that the magnetic stripe and the card belong together.

The total security of the decades-old MM process and thus the verifiability based on manipulation is based solely on some secret keys and on materials and Technology, which makes the mm process only through secrecy can be protected against attacks. In addition, the MM Procedures don't always check for tampering be made.

The object of the invention is to improve and / or alternative and / or additional measures to check the Togetherness of a data carrier and one Specify disk associated storage device.

According to the invention, the object is achieved by a data carrier Method, device for manufacturing the data carrier, through a card terminal, through an integrated circuit to carry out the process and by a Security element according to the relevant independent Claim resolved. Advantageous embodiments of the Invention are in the accompanying dependent claims specified.

An essential aspect of the invention is one Provide data carriers with a security feature that varied at least predominantly from data carrier to data carrier and a characterizing the relevant security feature  or descriptive information or such data in the Store storage device. It goes without saying that the security feature in a deteriorated Embodiment of the invention in a large number of Can repeat media, which is why from "at least predominantly" is the talk.

In a preferred embodiment of the invention Security feature at least in part by a laser beam created on the surface of the disk.

In a further preferred embodiment of the invention the security feature is a Laser marking of the data carrier.

An alternative or complementary preferred Embodiment of the invention becomes the security feature by one provided on or in the data carrier layered or three-dimensional structure or such Security element or fabric formed.

According to a further preferred embodiment of the invention gives the security feature the result of a mathematical Function in encrypted and / or unencrypted form at least partially again.

The result of the calculated is then preferred mathematical function and / or the mathematical function and / or one or more mathematical coefficients Function and / or one or more multiplicands of the mathematical function, like one or more prime numbers, and / or one or more variables of the mathematical Function in the storage device, preferably in  encrypted form and / or preferably from outside of the data carrier in an unreadable way.

In a further preferred embodiment of the invention the laser beam and / or one is controlled the laser beam moving data carrier to create the Security feature influenced by the mathematical Function, preferably the result of the calculated mathematical function in largely individual or unique way of controlling the laser beam acts.

In a further preferred embodiment of the invention the laser is controlled for labeling and / or one moved under a laser beam for labeling Data carrier under the influence of a mathematical function, preferably the result of the calculated mathematical Function on the control of the laser for labeling acts.

According to another preferred embodiment of the invention the math function is a one-way function like it is known from cryptography.

In a preferred embodiment of the invention, the mathematical function, such as in particular a one-way function, Multiplicands, the multiplicands preferably are multi-digit prime numbers.

According to a further preferred embodiment of the invention is the security feature on the Data carrier information that the authorized Individualize the holder of the data carrier like its name and his bank details. An influence of the  mathematical function could, for example, be Letters and numbers, in their shape, size and / or their arrangement to each other individually from disk to To vary disk.

According to another essential aspect of the invention or alternatively or additionally, one or more manufacturing-related fluctuations of at least one Characteristic of mass-produced data carriers and / or of one or more parts of the data carrier than for the Data carrier largely individual security feature be used. Information to describe this the Data carrier given property during its manufacture is then according to the invention in a storage device stored with which the data carrier is provided.

Such a property can be, for example a property of the optically detectable by a device Act data carrier. For example, the optical Reflectivity and / or the optical transparency of the concerned data carrier or a part of the concerned Represent the security feature.

It is understood that it is to improve the detectability of the Property can be expedient, production-related To consciously increase fluctuations through suitable measures.

The disk can be, for example Eurocheque, a bank, a credit, a money, a GSM, a UMTS, ID, health insurance and / or a phone card and / or other authorization card to use services or to purchase Trade goods.  

The storage device can be, for example an integrated circuit, preferably one Processor has, and / or around a magnetic stripe on is arranged on the data carrier, and / or around an optical or act as a magneto-optical storage medium.

A preferred embodiment of an inventive Device for determining whether the disk and its assigned storage device actually belong together, such as B. a card terminal has a device that the security feature according to the invention or the security features according to the invention, for. B. by optical Scanning of the data carrier, recorded and at least one corresponding measurement value or the like.

In a preferred embodiment of the invention the measured value determined by the device or become the determined measured values, possibly in modified and / or encrypted form to the one assigned to the data carrier Storage device in the form of digitized data transmitted. The storage device preferably leads or a processor provided therein an indirect or direct comparison of the transmitted data with in the Storage device stored by reference data, wherein in their agreement of a togetherness of the Disk and the storage device is assumed.

In another embodiment of the invention the of the device for detecting the security feature determined measured value or the determined measured values, if necessary in modified and / or encrypted form, within the Device with stored in the storage device Reference data compared directly or indirectly. To are those stored in the storage device  Reference data, preferably encrypted and / or mixed with other data, from the storage device of the concerned data carrier transmitted to the device. The comparison is then preferred from a card terminal made, which preferably the device for detecting the Has security feature.

An indirect comparison could, for example, according to one preferred embodiment of the invention consist in that the security feature or features Coefficients, variables or multiplicands etc. of one mathematical function, such as one in particular One-way function, represents or represent. Then these will converted into digital data after its capture and Storage device or the card terminal either with in the storage device of the data carrier stored Reference data compared or they serve as input variables the mathematical function and the result of the calculation the mathematical function is included in the Storage device of the data carrier stored Reference data compared. The calculation of the mathematical Function is preferably performed by a processor, assigned to the storage device or the data carrier is and is arranged in this. The mathematical function itself is then also preferred in the Storage device of the data carrier stored.

An essential aspect of the invention is one Data carrier a security feature or a security element from or using a ferromagnetic material or to provide ferromagnetic material that at low cost, e.g. B. in a card terminal or in a swipe card reader, can always be reliably detected.  

In a preferred embodiment of the invention, this Security feature or the security element one ferromagnetic substance or material with a high Permeability on or it consists of such a substance or Material.

In a further preferred embodiment of the invention has the security feature or the security element Iron-nickel government on or it consists of such Material.

In another preferred embodiment of the invention has the security feature or the security element negative permeability.

In a particularly preferred embodiment of the invention instructs the security feature or the security element Permalloy on or it consists of this.

Another essential aspect of the invention is a security feature or a Provide security element that with a coding is provided.

According to a preferred embodiment of the invention the security feature or the security element on his one end of a coding on that of the coding on his other end is different. This enables, for example the determination of the running direction of the security feature or of the security element during a reading process by a Encoding device, such as a card terminal and / or a swipe card reader.  

According to another preferred embodiment of the invention there is a magnetic stripe and / or chip module on the data carrier provided on or in which data are stored, the show that the security feature according to the invention or the security element according to the invention in the Disk is present.

In another preferred embodiment of the invention is the coding or part of the coding of the inventive security feature or security elements according to the invention, preferably encrypted, on the magnetic stripe and / or in the Chip module saved.

Another essential aspect of the invention is the magnetic stripe and / or the chip module with data provided, which are preferably encrypted, from which at least the bank details of the authorized owner of the Data carrier and / or the coding or part of the Coding of the security feature according to the invention or security elements according to the invention, for. B. by Decryption, derivable.

According to a preferred embodiment of the invention a comparison of the coding or part of the coding of the inventive security feature or security elements according to the invention with reference data a reading device such. B. a card terminal, a POS Terminal or a card swipe reader and / or through one Comparison device in the chip module, similar to a PIN check.

According to another preferred embodiment of the invention there is a comparison of the on the magnetic stripe of the  Data stored with reference data at a data carrier Authorization authority.

It is a preferred embodiment of the invention the disk is a Eurocheque, a bank, a Credit, money, GSM, UMTS, ID, a health insurance and / or a phone card and / or another authorization card to use Services or to purchase goods.

In a preferred embodiment of the invention, the Storage device through an integrated circuit and / or by a magnetic stripe and / or by a Hologram formed using the integrated circuit is preferably provided in a chip card module preferably has a processor.

In a preferred embodiment of the invention that is Security feature in whole or in part by a Security element formed, which is a ferromagnetic substance or has a ferromagnetic material or from this consists.

In a preferred embodiment of the invention, the ferromagnetic material has a high permeability µ _r , such as. B. an absolute amount of the permeability µ _r in the range of about 20,000 to 120,000 and / or is an iron-nickel alloy.

In a preferred embodiment of the invention, the ferromagnetic substance has a negative permeability µ _r .

In a preferred embodiment of the invention, the ferromagnetic material is a permalloy which, for. B. has a negative permeability µ _r of about - 100,000.

In a preferred embodiment of the invention, this Permalloy a composition without iron content of about 78.5% Nickel and about 3% molybdenum.

In a preferred embodiment of the invention, this Security element and / or the ferromagnetic substance one strip-like shape.

In a preferred embodiment of the invention, this Security element and / or the ferromagnetic substance one Width in the range of approximately 1 mm to 10 mm, preferably approximately 3 mm, and / or a thickness in the range from approx. 0.5 µm to 50 µm, preferably about 5 microns to 20 microns.

In a preferred embodiment of the invention that is Security element next to the magnetic stripe and / or under the Magnetic stripes arranged.

In a preferred embodiment of the invention, this Security element a distance to an outer edge of the Data carrier in the range of 5 mm to 20 mm, preferably in Range from 12.5 mm to 15.5 mm.

In a preferred embodiment of the invention, this Security feature and / or the security element Coding on.

In a preferred embodiment of the invention the coding by disassembling the security feature and / or the security element in sections.  

In a preferred embodiment of the invention, the Coding by mechanical or laser-optical action on the security feature and / or the security element generated.

In a preferred embodiment of the invention, this Security feature and / or the security element on his one end of a coding on that of the coding on his the other end deviates, thereby recognizing the direction of travel of the security feature and / or the security element a reading device for reading the coding is made possible.

In a preferred embodiment of the invention, the Coding of the security feature and / or the Security elements in whole or in part in the Storage device, such as in particular on the magnetic stripe and / or in the integrated circuit of a chip card module, preferably encrypted, stored.

In a preferred embodiment of the invention the coding preferably consists of sections, each one Represent digit.

In a preferred embodiment of the invention is in the Storage device at least one sort code and one Account number saved.

In a preferred embodiment of the invention, the coding and / or the digits of the bank routing number and / or the digits of the account number form all or part of the input values of an encryption algorithm, preferably a one-way function known from cryptography using a prime number multiplication, which is preferably such that the result of the encryption is a four-digit number, preferably in the range from 1001 to 9776, which is preferably stored in the so-called vested benefits field from position 94 to position 97 on the magnetic stripe.

In a preferred method of the invention for determination the togetherness of a storage device and a disk connected to the storage device and a Security feature is the security feature preferably predominantly from data carrier to data carrier been varied, e.g. B. by continuous coding. The Properties of the security feature are at least partially recorded and the result of the registration is recorded with compared at least one reference value, the comparison preferably in a card terminal and / or at a Authorization authority, e.g. B. for transactions made becomes.

In a preferred method, the data carrier is and / or the storage device and / or the security feature and / or the security element is a data carrier or a Storage device or a security feature or a Security element with one or more of the aforementioned Properties or characteristics.

In a preferred method, at least one is detected Detection device, such as in particular a card terminal and / or a swipe card reader, at least one magnetic and / or optical property of the security feature or Security elements.

In a preferred method, the Detection device a first oscillator circuit on and one by the material of the security feature or  Security elements on the first oscillator circuit frequency change caused, in particular a by the Material induced decrease in frequency, will detected.

In a preferred method, the detection device is with two spaced inductors, such as in particular Coils, provided and the disk or that Security feature or the security element is between passed through the two spaced inductors.

In a preferred method, the first is offset Oscillator circuit one of the two spaced inductors in vibrations, especially in high frequency vibrations, offset, and the second of the two spaced inductors forms part of a receiver for this frequency, where a measured variable delivered by the receiver, such as in particular an electrical voltage, in the presence of the Security feature or security elements between the two spaced inductors in one for the material and / or for the material thickness of the security feature or Security elements characteristic way, changes.

In a preferred method, the Detection device on a second oscillator circuit, by the one by coding the security feature or security elements on the second oscillator circuit caused frequency change is detected.

One preferred method is the second Oscillator circuit provided with a measuring head that preferably has an air gap and from which Oscillator circuit is vibrated.  

In a preferred method, a calls on the measuring head bypassed data carrier or a bypassed Security feature or security element Frequency change and the frequency change for reading the Coding is demodulated.

In a preferred method, the Detection device the disk or that Security feature or the security element, preferably with infrared light, and one on the security feature or the coding located by a security optical receiver detected.

In a preferred method, one is from the acquisition of the material and / or the material thickness of the Security feature or security elements derived Measured variable compared with a reference variable and / or from the Detection of the coding of the security feature or Data derived from security elements are used with reference data compared that from in the storage device of the Data carrier or stored at an authorization point Data have been derived.

In a preferred method, the comparison of Measured variable with the reference variable from a card terminal, such as an ATM, card swipe reader or POS Terminal.

In a preferred method, those from the acquisition the coding derived data from a card terminal, such as an ATM, card swipe reader or POS Terminal, and / or from an authorization point to which the derived data have been transmitted with reference data compared.  

The invention is not based on necessarily detailed drawings, where the same reference numerals the same or equivalent parts describe. Show it:

Fig. 1 shows an inventive security feature or security element;

FIG. 2 shows a material testing device for checking whether the security feature or security element shown in FIG. 1 is present in a data carrier; and

Fig. 3 is a code reading device for detecting the code of the security feature shown in FIG. 1 or the security element.

The security element 100 shown in Fig. 1, the z. B. is formed by a narrow metallic band, has a strip-like shape and consists of four sections 101 , 102 , 103 , 104 and 105 . The first section 101 forms the beginning of the security element 100 and consists of an uncoded area 110 and a coded area with the bit code 1 0. The second section 102 with the code 1 0 0 1 1 follows the first section 101 the second section 102 the third section 103 with the code 1 0 1 0 1, to the third section 103 the fourth section 104 with the code 0 0 1 1 1 and finally to the fourth section 104 the fifth and last section 105 follows . Section 105 forms the end of security element 100 and consists of an area coded with 10 and an uncoded area 110 . The bit code consisting of 0 and 1 is formed in the exemplary embodiment shown in FIG. 1 by bars of different widths, similar to a bar code. The narrow bars represent a digital 0 and the wide bars represent a digital 1. The middle bar of each section represents a parity bit for checking the relevant section for correct reading. The twelve bars in sections 102 to 104 form a 12-bit code, which allows a series of 4096 data carriers or cards to be coded differently. It goes without saying that, in particular, a bit code can also be used which has more than twelve bits if each data carrier of a larger series is to be individualized or provided with a different code.

The security element 100 is on a data carrier with a magnetic strip (not shown), e.g. B. a card on or introduced. In the case of a Eurocheque card, cash card or credit card in particular, the security element 100 is preferably arranged next to or below the magnetic strip. The strip-shaped security element 100 can, for example, be arranged as long as the magnetic strip and / or between the magnetic strip and the longer edge of the card adjacent to it. If the security element 100 is arranged next to the magnetic strip, it is preferably embedded in the card or the data carrier in a manner that is not visible. Likewise, the security element 100 embedded in the card can be provided with a cover which has an optically detectable security feature for recognizing whether manipulations have been carried out on the security element 100 . The covering can be done, for example, with a cover film, which can be colored, for example, with a light transformer based on diazo-style or with another dye. A diazo-style dye lights up when illuminated with UV light, so that the cover film can be easily checked with a suitable device.

The security element 101 preferably has a width of approximately 3 mm and a thickness in the range of approximately 5 μm to 20 μm. In addition, the security element 100 is preferably arranged at a distance in a range from approximately 12.5 mm to 15.5 mm to an outer edge of the data carrier or the card.

The security element 100 preferably consists of a ferromagnetic material which is not commercially available and has a high permeability, such as in particular a special iron-nickel alloy or a so-called permalloy, which has a negative permeability.

The coding of the security element 100 is preferably carried out by a laser beam or mechanically, e.g. B. created by milling, wherein the security element 100 , which is preferably already connected to the card body, is broken down into sections to create the bit code shown in FIG. 1.

The coding provided on the security element 100 ( FIG. 1 shows only one example of a possible coding) largely varies from data carrier to data carrier, which is each provided with a security element 100 and individualizes the data carrier or the card. The coding provided on the security element 100 is stored on the magnetic strip of the data carrier or the card, preferably encrypted and / or with further encrypted data, which preferably indicate at least the bank details of the authorized card holder. In addition, in the so-called vested benefits field from point 94 to point 97, at least those data are stored on the magnetic stripe that indicate whether a security element 100 should be present in the relevant data carrier that can be analyzed.

Before carrying out a transaction or the like, it is preferably checked whether a security element according to the invention is located in or on a card body. For this purpose, a card 206 with a security element 100 is inserted into a material testing device 200 shown in FIG. 2. The material testing device 200 can be provided, for example, in an automated teller machine, a POS terminal or also in a card swipe reader. In the example shown in FIG. 2, the material testing device 200 consists of a high-frequency oscillator 201 and a rectifier circuit 202 , the high-frequency oscillator 201 being provided with an inductor 203 and the rectifier circuit 202 having an inductor 205 in the manner shown in FIG. 2. The high-frequency oscillator 201 sets the inductance 203 in a high-frequency oscillation and a magnetic field is generated. If the card 206 , which is provided with the security element 100 , is now passed between the closely adjacent inductors 202 and 205 or, in the case of a card swipe reader, is pulled through manually, the magnetic field or the high-frequency oscillation becomes one for the material and the Material thickness of the security element 100 according to the invention changed characteristic way.

In order to always be able to ensure reliable detection, the security element 100 , as shown in FIG. 1, preferably has an uncoded, longer area 110 at both ends. A suitable length of the uncoded area 110 ensures that the security element 100 remains in the material testing device 200 or between the inductors 203 and 205 for a sufficiently long time for the safe material testing.

The change in the magnetic field or the high-frequency oscillation is registered by the inductance 205 , which forms a receiver together with the rectifier circuit 202 , and an electrical voltage is present at the output 207 of the material testing device 200 , which is characteristic of the security element 100 according to the invention. This is from a device, not shown, for. B. by means of an operational amplifier, compared with a reference voltage or the like. If the comparison is positive, it is assumed that the card has a real security element or security feature.

Before or after, the security element 100 or the card 206 , which has the security element 100 , is guided past a measuring head 301 of a code reading device or oscillator circuit 300 , as shown in FIG. 3. This is preferably also arranged in the automated teller machine or POS terminal or swipe card reader. The oscillator circuit, which has an inverter 204 , excites an inductor or coil 303 to oscillate, the frequency of the oscillations being present at the output 302 . When the security element 100 is guided past the air gap of the measuring head 301 , the frequency changes as a function of the coding of the security element 100 , which is present at the output 302 of the oscillator circuit 300 . The change caused by the coding is demodulated by a device, not shown, and subsequently the coding of the security element 100 is in binary form.

It will be appreciated that the sensing devices shown in Figures 2 and 3 are only examples of a variety of possible suitable devices.

The (not shown) on the magnetic strip and / or stored in a chip module of the relevant map data is read in a conventional manner, and it is preferably carried out first, a check whether the data indicate that an inventive security element should be present in the relevant card 100 or . is available. This can be done, for example, by checking the data in the aforementioned free movement area of the magnetic strip and / or by querying the corresponding data in the chip module and / or by the material test described. It goes without saying that, to improve security, further data can be provided elsewhere on the magnetic strip and / or in the chip module, which indicate that a security element according to the invention should be present. If the data read by the magnetic stripe and / or chip module indicate that no security element according to the invention is present in the card, the association of the card and magnetic stripe can e.g. B. can be checked in a conventional manner using the mm method.

The data read from the magnetic stripe are preferably first determined or decoded and subsequently the coding of the security element specified on the magnetic stripe and / or in the chip module of the card 206 is determined. A comparison device, not shown, compares the coding of the security element 100 determined via the code reading device 300 with the coding indicated on the magnetic stripe and / or in the chip module in order to determine whether the card or the magnetic stripe and / or the chip module and the security element 100 belong together or whether manipulation has been carried out. The comparison device is preferably also arranged in an automated teller machine according to the invention, POS terminal or card swipe reader and / or in the chip module. If the comparison is positive, it is assumed that the card 206 and the security element 100 belong together.

It goes without saying that the security element according to the invention can be provided as an alternative or in addition to the known MM feature in a data carrier or a card body and can be evaluated by a corresponding terminal and / or chip module. The security element or security feature according to the invention can be produced inexpensively and can be provided in or on a data carrier or on a card with little effort. The circuits shown in FIGS. 2 and 3 for evaluating the security feature can also be produced inexpensively and can be provided with little effort in an automated teller machine, a POS terminal or a swipe card reader or can be retrofitted in existing devices.

Reference list

100

Security element or security feature

101

section

102

section

103

section

104

section

105

section

110

uncoded area

200

Material testing device

210

High frequency oscillator

202

Rectifier circuit

203

Inductance

204

Inverter

205

Inductance

206

Data carrier or card with security element

207

output

300

Code reading device or oscillator circuit

301

Measuring head

302

output

303

Inductance

Claims (56)

1. A data carrier with at least one security feature or security element and at least one storage device, characterized in that the security feature or security element preferably varies predominantly from data carrier to data carrier, and that at least one information characterizing the security feature or security element is stored in the storage device associated with the data carrier is. 2. Data carrier according to claim 1, characterized, that the data carrier is a Eurocheque, a bank, a Credit, a money, a GSM, a UMTS, an ID card a health insurance and / or a phone card and / or another authorization card for Use of services or to purchase Goods is. 3. Data carrier according to claim 1 or 2, characterized,  that the storage device through an integrated Circuit and / or by a magnetic strip and / or is formed by a hologram, the integrated Circuit preferably in a chip card module is provided, which is preferably a processor having. 4. Data carrier according to one of claims 1 to 3, characterized, that the individual for the data carrier in question Security feature or security element through targeted Measures taken during the manufacture of the data carrier has been. 5. Data carrier according to one of claims 1 to 4, characterized, that the individual for the data carrier in question Security feature or security element by production-related fluctuations in the Manufacture of the data carrier or a part of the Disk has been formed. 6. Data carrier according to one of claims 1 to 5, characterized, that the security feature or security element at least in part by one on the disk element applied or incorporated therein and / or material and / or fabric is formed. 7. Data carrier according to one of claims 1 to 6, characterized, that the security feature or security element one largely individual for each data carrier Position on or in this is arranged.   8. Data carrier according to one of claims 1 to 7, characterized, that the security feature or security element by a laser beam and / or laser inscription and / or an imprint and / or an Signature strips and / or a signature and / or a mosaic-like structure and / or a relief structure and / or a bar code and / or a bar code and / or one manufactured by microsystem technology Element and / or a hologram and / or by one with the Security feature or security element provided Hologram is formed. 9. Data carrier according to one of claims 1 to 8, characterized, that the security feature or security element at least partially has information that is appropriate for the authorized owner of the data carrier specifically is, in particular its name and / or its Bank details. 10. Data carrier according to one of claims 1 to 9, characterized, that the security feature or security element by one provided on or in the data carrier layered or three-dimensional structure formed is. 11. Data carrier according to one of claims 1 to 10, characterized, that the security feature or security element at least partially the result of a mathematical Function in encrypted or unencrypted form  represents, being in the mathematical function preferably a multiplication of prime numbers is provided. 12. Data carrier according to claim 11, characterized, that the mathematical function is one from cryptography known so-called one-way function, preferably a Function of the type N = p * q, where N is a number and p and q are (preferably multi-digit) prime numbers. 13. Data carrier according to one of claims 1 to 12, characterized, that the the security feature or security element characteristic and in the storage device stored information in whole or in part by a Information about the position of the security feature or security elements on or in the data carrier is formed such. B. by coordinates or vectors. 14. Data carrier according to claim 11 or 12, characterized, that the result of the calculated mathematical function and / or the mathematical function and / or one or several coefficients of the mathematical function and / or one or more multiplicands of the mathematical function, such as one or more Prime numbers, and / or one or more variables of the mathematical function in the integrated circuit and / or on the magnetic stripe, preferably in encrypted form, are stored. 15. Data carrier according to one of claims 10 to 12, characterized,  that the security feature or security element by a laser beam based on the mathematical Function has been generated, in particular the mathematical function and / or its coefficients and / or their multiplicands, such as in particular Prime numbers, and / or their variables and / or that Result of the calculated mathematical function Control of the laser beam and / or positioning and / or the form of the security feature or Has affected security elements on the disk. 16. Data carrier according to one or more of the preceding claims, characterized in that the security feature ( 100 ) is wholly or partly formed by a security element ( 100 ) which has a ferromagnetic material or a ferromagnetic material or consists of this. 17. Data carrier according to one or more of the preceding claims, characterized in that the ferromagnetic material has a high permeability µ _r , such as. B. has an absolute amount of permeability µ _r in the range of about 20,000 to 120,000, and / or is an iron-nickel alloy. 18. Data carrier according to one or more of the preceding claims, characterized in that the ferromagnetic substance has a negative permeability µ _r . 19. Data carrier according to one or more of the preceding claims, characterized in that the ferromagnetic material is a permalloy, the z. B. has a negative permeability µ _r of about - 100,000. 20. Data carrier according to claim 19, characterized, that the permalloy is a composition without iron content of approximately 78.5% nickel and approximately 3% molybdenum. 21. Data carrier according to one or more of the preceding claims, characterized in that the security element ( 100 ) and / or the ferromagnetic material has a strip-like shape. 22. A data carrier according to one or more of the preceding claims, characterized in that the security element ( 100 ) and / or the ferromagnetic material have a width in the range from approximately 1 mm to 10 mm, preferably approximately 3 mm, and / or a thickness in the range of about 0.5 microns to 50 microns, preferably about 5 microns to 20 microns. 23. Data carrier according to one or more of the preceding claims, characterized in that the security element ( 100 ) is arranged next to the magnetic strip and / or under the magnetic strip. 24. Data carrier according to one or more of the preceding claims, characterized in that the security element ( 100 ) has a distance to an outer edge of the data carrier ( 206 ) in the range from 5 mm to 20 mm, preferably in the range from 12.5 mm to 15 , 5 mm. 25. Data carrier according to one or more of the preceding claims, characterized in that the security feature ( 100 ) and / or the security element ( 100 ) has a coding ( 101 to 105 ). 26. Data carrier according to claim 25, characterized in that the coding has been carried out by dividing the security feature ( 100 ) and / or the security element ( 100 ) into sections. 27. Data carrier according to claim 25 or 26, characterized in that the coding has been generated by a mechanical or laser-optical action on the security feature ( 100 ) and / or the security element ( 100 ). 28. Data carrier according to one or more of the preceding claims, characterized in that the security feature ( 100 ) and / or the security element ( 100 ) has at one end a coding which differs from the coding at its other end, thereby detecting the Running direction of the security feature and / or the security element is made possible by a reading device for reading the coding. 29. Data carrier according to one or more of the preceding claims, characterized in that the coding of the security feature ( 100 ) and / or the security element ( 100 ) in whole or in part in the memory device, such as in particular on the magnetic stripe and / or in the integrated circuit of the chip card module , preferably encrypted, is stored. 30. Data carrier according to one or more of the above Expectations, characterized, that the coding preferably consists of sections, which each represent a digit. 31. Data carrier according to one or more of the above Expectations, characterized, that in the storage device at least one Bank routing number and an account number is stored. 32. A data carrier according to one or more of the preceding claims, characterized in that the coding and / or the digits of the bank sort code and / or the digits of the account number entirely or partially the input values of an encryption algorithm, preferably a one-way function known from cryptography using a prime number multiplication , form, which is preferably such that the result of the encryption is a four-digit number, preferably in the range from 1001 to 9776, which is preferably stored in the so-called vested benefits field from position 94 to position 97 on the magnetic strip. 33. Procedure for determining the togetherness of a storage device and a data carrier with the storage device and at least one Security feature or security element is provided, characterized, that the data carrier with a security feature or Security element has been provided, preferably that mostly varies from disk to disk the properties of the security feature or Security elements are at least partially recorded and the result of the registration with at least one Reference value is compared, which is preferably in the Storage device stored or based on a information stored in the storage device has been determined. 34. The method according to claim 33, characterized, that the disk and / or the storage device and / or the security feature or security element a data carrier or a storage device or a Security feature according to one of claims 1 to 32. 35. Method according to one or more of the above Expectations, characterized,  that a detection device, such as in particular a Card terminal, an optical and / or magnetic and / or magneto-optical and / or capacitive property with at least one security feature or Security element provided data carrier determined and converted into digitized measured values, for example. 36. Method according to one or more of the preceding Expectations, characterized, that the reference value is based on a mathematical function is determined, which is preferably a one-way function, and / or that the one stored in the storage device Information the reference value and / or the mathematical Function and / or one or more coefficients of the mathematical function and / or one or more Multiplicands of the mathematical function, like in particular prime numbers, and / or one or more Represents variables of the mathematical function. 37. Method according to one or more of the preceding Expectations, characterized, that the comparison is done from a card terminal becomes. 38. Method according to one or more of the above Expectations, characterized, that the comparison from the integrated circuit, preferably from a processor provided in this, is carried out and / or that the reference value of the integrated circuit based on that in the  Storage device stored information or the stored information is generated. 39. Method for determining the belonging together of a storage device and a data carrier ( 206 ) which is provided with the storage device and a security feature ( 100 ), characterized in that the security feature ( 100 ) has preferably been varied predominantly from data carrier ( 206 ) to data carrier is, e.g. B. by continuous coding that the properties of the security feature are at least partially detected and the result of the detection is compared with at least one reference value, the comparison preferably in a card terminal and / or at an authorization point, for. B. for transactions. 40. The method according to claim 39, characterized in that the data carrier ( 206 ) and / or the storage device and / or the security feature ( 100 ) and / or the security element is a data carrier ( 206 ) or a storage device or a security feature ( 100 ) or a security element according to one of claims 1 to 32. 41. The method according to one or more of the preceding claims, characterized in that at least one detection device ( 200 , 300 ), such as in particular a card terminal and / or a card swipe reader, at least one magnetic and / or optical property of the security feature ( 100 ) or Security elements ( 100 ) are detected. 42. The method according to one or more of the preceding claims, characterized in that the detection device ( 200 ) has a first oscillator circuit ( 200 ) and a frequency change caused by the material of the security feature ( 100 ) or security elements ( 100 ) on the first oscillator circuit, in particular a reduction in frequency caused by the material is detected. 43. The method according to one or more of the preceding claims, characterized in that the detection device ( 200 ) is provided with two spaced-apart inductors ( 203 , 205 ), in particular coils, and the data carrier ( 206 ) or the security feature ( 100 ) or the security element ( 100 ) is passed between the two spaced-apart inductors. 44. The method according to claim 43, characterized in that the first oscillator circuit ( 200 ) sets one of the two spaced inductors ( 203 ) in vibrations, in particular high-frequency vibrations, and the second of the two spaced inductors ( 205 ) part of a receiver for this Frequency forms, a measured variable emitted by the receiver, such as, in particular, an electrical voltage, in the presence of the security feature ( 100 ) or security element ( 100 ) between the two spaced inductances in for the material and / or for the material thickness of the security feature or Security elements ( 100 ) characteristic changes. 45. The method according to one or more of the preceding claims, characterized in that the detection device has a second oscillator circuit ( 300 ) through which one by coding ( 101 to 105 ) of the security feature ( 100 ) or security elements ( 100 ) on the second Oscillator circuit ( 300 ) caused frequency change is detected. 46. The method according to claim 45, characterized in that the second oscillator circuit ( 300 ) is provided with a measuring head ( 301 ) which preferably has an air gap and is set in vibration by the oscillator circuit. 47. The method of claim 46, characterized in that a guided past the measuring head (301) volume (206) or on or security element (100) causes the frequency change at this over-run safety feature (100) and the frequency change for reading the coding (101 to 105 ) is demodulated. 48. The method according to one or more of the preceding claims, characterized in that the detection device illuminates the data carrier ( 206 ) or the security feature ( 100 ) or the security element ( 100 ), preferably with infrared light, and one on the security feature ( 100 ) or the security element ( 100 ) located coding ( 101 to 105 ) is detected by an optical receiver. 49. The method according to one or more of the preceding claims, characterized in that a measurement variable derived from the detection of the material and / or the material thickness of the security feature ( 100 ) or security elements ( 100 ) is compared with a reference variable and / or from the detection data derived from the coding of the security feature or security element are compared with reference data which have been derived from data stored in the storage device of the data carrier ( 206 ) or at an authorization point. 50. The method according to claim 49, characterized, that the comparison of the measured variable with the reference variable of a card terminal, like an ATM, a card Swipe reader or a POS terminal. 51. The method according to one or more of the preceding claims, characterized in that the data derived from the detection of the coding ( 101 to 105 ) from a card terminal, such as an ATM, a card swipe reader or a POS terminal, and / or an authorization point to which the derived data has been transmitted can be compared with reference data. 52. Device for producing a data carrier according to a or more of the preceding claims. 53. Device for performing the method according to a or more of the preceding claims. 54. security element for data carriers, characterized, that the security element is at least one Security feature and / or a security element after one or more of the preceding claims. 55. Card terminal for carrying out the method according to a or more of the preceding claims. 56. Integrated circuit for performing the method according to one or more of the preceding claims.