JP3091699U - Automatic transaction magnetic card - Google Patents

Abstract

(57) [Summary] To provide a magnetic card for automatic transaction which ensures multifunctionality and versatility. A magnetic card for automatic transaction inserted into an automatic transaction apparatus includes two magnetic stripes provided symmetrically about a center line parallel to a longitudinal direction, and a credit card transaction is performed on the magnetic stripe. And information for conducting a cash card transaction with a financial institution or the like is stored on the other side. Magnetic stripes 12 and 14
Is ISO or J parallel to each long side of the card body.
Each is provided at a position according to a standard such as IS. These two magnetic stripes 12 and 14 are provided symmetrically about a center line parallel to the card longitudinal direction.

Description

[Detailed description of the invention]       [0001]     [Technical field to which the invention belongs]   The present invention relates to an automatic transaction magnetic car having a magnetic stripe as an information storage medium. About       [0002]     [Prior art]   A typical example of an automatic transaction magnetic card having a magnetic stripe is a bank, etc. Bank card issued by a financial institution or credit issued by a credit company There is a card. Its hardware configuration is a rectangular plastic thin card A strip-shaped magnetic medium layer, that is, a magnetic stripe is embedded in the thickness of the main body. The surface of the magnetic stripe is usually covered with a plastic protective film. In addition, The size of the card body and the location of the magnetic stripe are specified in JIS standards. It has versatility. The information stored on the magnetic stripe is unique to the card user This information is used to determine the validity of the card.       [0003]   In recent years, e-commerce and electronic money use on networks have rapidly progressed, Transaction forms in financial systems are also diversifying. To respond to such situations Automatic transaction cards are also required to be versatile and multifunctional. In particular, my In the country, J-DEBIT real-time payment system using cash card With the start of the so-called debit card, the diversification of payment systems is increasing Along with the spur, it is expected that the automatic transaction card will be differentiated by multifunctionalization I have.       [0004]   An example of multi-functionality in a magnetic card for automatic transaction with a magnetic stripe There is a double-stripe card having two magnetic stripes. Double strike Ripe cards are provided with two magnetic stripes symmetrically on the card body. Used for different transactions. For example, in a bank cash card , One of the magnetic stripes used to pay or deposit a deposit and the other magnetic stripe There is known an example in which is used for financing or lending. Using any magnetic stripe Whether the transaction is performed depends on the direction in which the card is inserted. Follow For double-stripe cards, many techniques for checking the insertion direction are presented. For example, there is JP-A-6-259640.       [0005]     [Problems to be solved by the invention]   Conventional double-stripe cards are used in bank cash cards as described above. Although it has been implemented as a means to support multiple transactions, bank deposit transactions The case that one card corresponds to two transactions of credit card transaction and " Only cards issued by local banks, such as bank cards and wide cards, were available. These are the ideas that one surface of the magnetic stripe corresponds to both transactions. Bank deposits are generally versatile, but are not A credit general purpose magnetic stripe to embed a bank stripe As a result of the amendment, ATMs (automated transaction equipment) were installed in financial product transactions. Can not respond unless the bank renovates it, and credit It lacked versatility, such as not being able to support some of the credit card company's terminals.       [0006]   In view of this situation, the present invention provides a multi-functional and versatile automatic transaction magnet. The purpose is to provide the card.       [0007]     [Means for Solving the Problems]   In order to achieve the above object, the present invention relates to an automatic transaction device inserted into an automatic transaction device. In the magnetic card, the center line parallel to the longitudinal direction of the magnetic card is a pair of right and left. It has two magnetic stripes provided on the Information for conducting credit card transactions is stored on the other magnetic stripe. Characterized by storing information for conducting cash card transactions such as Provide an automatic transaction magnetic card.       [0008]     [Embodiment of the invention]   Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is according to the present invention. It is a schematic plan view of the card surface in one Example of the magnetic card for automatic transactions. Automatic The transaction magnetic card 10 has a general-purpose size conforming to a standard such as ISO or JIS. Having a plastic card body. The outline of the plan is approximately rectangular and its length The hand direction is the direction in which the card is inserted into a card information reading device such as an ATM. Features of the present invention Magnetic stripes 12 and 14 are parallel to each long side of the card body. Each is provided at a position according to a standard such as SO or JIS. For example, JISX Complies with Annex 6302. That is, these two magnetic stripes 12, 14 Are provided symmetrically about a center line parallel to the card longitudinal direction. Normal, These magnetic double stripes are concealed magnetic stripes embedded in the card body. Is preferable for protection.       [0009]   The automatic transaction magnetic card 10 according to the present invention has a magnetic stripe 12 The information for conducting a JIT card transaction is stored, and the other magnetic stripe 14 It stores information for conducting cash card transactions at financial institutions And The information of each magnetic stripe is stored in a general-purpose magnetic stripe. It is stored by adopting the same format as the life.       [0010]   In addition, as with the conventional magnetic double-stripe card, any card function can be used. Depending on the use, the card insertion direction is selected and inserted into an ATM or the like. Figure As shown in 1, the card insertion direction for each card function is indicated by an arrow on the card surface Have been. When performing a credit card transaction for shopping, etc., the insertion direction Insert the card 10 in the direction 1. Withdrawing and depositing bank deposits When performing a credit card transaction, the card 10 is inserted in the insertion direction 2.       [0011]   Both magnetic stripes 12 and 14 are provided at positions according to the standard. Therefore, the present invention can be directly applied to a conventional automatic transaction apparatus such as an ATM. Therefore Uses the automatic transaction magnetic card according to the present invention without any change to existing equipment It is possible to       [0012]   The magnetic card 10 for automatic transaction shown in FIG. 4 In addition to the functions required for ordinary credit card and cash card functions It is also provided. In the cash card information area 16, the financial institution code and the support The store code, account number, etc. are visually indicated. In this case, Ultra Graphic (UG) It is preferable that the marking is made by printing. The use of cards conforming to the O standard becomes possible, and international versatility can be secured. .       [0013]   The credit card information area 18 is provided according to a predetermined standard and is embossed. Is visually indicated by. Member number, expiration date, member name and other special activities Characters.       [0014]   In addition, a region 20 on which a characteristic design such as a hologram is provided is appropriately provided. . When constructing a further multi-function card, the IC chip 22 must be buried. Can be used as an IC card.       [0015]     [Effect of the invention]   As described above, the present invention integrates credit cards and cash cards. To provide a multi-function automatic transaction magnetic card. This allows you to cash this card When using as a card, you can withdraw or deposit from a financial institution In addition, instant payment shopping is possible if used as a debit card . If you use this card as a credit card, Financing and various loans are possible.       [0016]   Such multi-functions are integrated into one card, making it easy to carry and easy to use. An automatic transaction magnetic card that can be used is realized. In addition, this card is Since existing stripes are also provided according to the prescribed standards, existing ATMs and other devices are changed. There is also an advantage that there is no need to carry out and no new equipment cost is required. As above The magnetic card for automatic transaction according to the present invention is required for multifunctional and versatile card transaction. In response to the request.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram schematically illustrating a hardware configuration of an embodiment of an automatic transaction card according to the present invention. DESCRIPTION OF SYMBOLS 10 Automatic transaction magnetic card 12 First magnetic stripe 14 Second magnetic stripe 16 Cash card information area 18 Credit card information area 20 Hologram 22 IC chip

Claims (1)

Claims: 1. A magnetic card for automatic transaction inserted into an automatic transaction apparatus, wherein two magnetic stripes are provided symmetrically with respect to a center line parallel to a longitudinal direction of the magnetic card. Wherein the two magnetic stripes comprise a magnetic stripe for storing credit card transaction information and a magnetic stripe for storing cash card transaction information of a financial institution or the like.