JPH0521759B2 - - Google Patents

Description

[Detailed Description of the Invention] The present invention provides a card with a magnetic stripe and an IC module with a built-in IC memory chip.
The present invention relates to a card whose reliability is improved by recording and storing information on both sides.

In recent years, ICs for microcomputers, memory, etc.
A chip card with a chip installed or built-in;
Research is being carried out on cards called memory cards, microcomputer cards, electronic cards, etc. (hereinafter referred to as IC cards).

Because this IC card has a larger storage capacity than conventional magnetic stripe cards, banks are considering using it to record and store the history of deposits and savings in place of a savings passbook, and credit cards can record and store transaction history such as shopping.

The present invention aims to improve the reliability of this IC card.

In other words, by providing an IC module with a built-in IC memory chip and a magnetic stripe on the same card, some or all of the information stored, such as an individual's name, ID code such as bank account number, final balance, or ID code, can be stored. IC final balance
By recording and storing data in both the memory section of the module and the magnetic stripe, even if stored data in either one is lost due to damage or other factors, either one can assist.

As mentioned above, IC cards have a large storage capacity and can store transaction history (information), so it is said that offline methods have a great advantage over the current online methods such as CD cards.

However, the information is stored only in the memory section of the IC module, and if the IC module were to stop functioning, the stored information would be lost, and this would affect not only the card issuer but also the card user. It would probably cause a lot of trouble.

In particular, in the case of IC chips, even if they are modular, they are vulnerable to external static electricity and moisture, which can cause data destruction or other malfunctions. Furthermore, external pressure due to card bending or the like may cause breakage of the chip bonding portion within the IC module.

On the other hand, magnetic stripe cards have the disadvantage that data may be lost due to the influence of external magnetic fields.

The present invention has been made to solve the above problems, and aims to provide a card equipped with a more reliable information storage medium.
Therefore, the inventors proposed a card in which a magnetic stripe and an IC module with a built-in IC memory chip are mounted on a single plastic card board, in which information is recorded on the magnetic stripe, and an IC module with a built-in IC memory chip is installed. The above problem has been solved by discovering a card structure characterized by storing the same information as the above information in a memory chip.

The content of the data to be recorded repeatedly is determined by the card issuer, but in general, if the ID code and final balance for verification of the person are recorded, trouble between the card issuer and the user can be avoided.
It is up to the card issuer to decide whether or not the ID code and PIN number should be recorded twice. Furthermore, it is not necessary to record all transaction history data on the magnetic stripe due to its storage capacity, but if the data stored in the memory section of the IC module matches the storage capacity of the magnetic stripe, it is possible to record all data. Probably.

Embodiments of the present invention will be described below based on the drawings.

As shown in Figures 1 and 2, the center core 1
IC module 3 is installed in a part of 5.
Further, oversheets 14, 14 are provided on the front and back surfaces of the center core 15, a magnetic stripe 2 is provided on the surface of the oversheet 14, and the center core 15 and the oversheet 1 are provided with a magnetic stripe 2.
A printed pattern 4 is provided between the magnetic stripe 2 and the IC module 3 to constitute a card 1 in which the magnetic stripe 2 and the IC module 3 of the present invention are provided together. Furthermore, if necessary, embossed characters 5 can be applied as shown in the first diagram.

Note that there are no particular limitations on the positional relationship of the above parts; for example, as shown in FIG. 3 and its cross-sectional view, FIG.
On the other hand, the magnetic stripe 2 may be provided on the back of the card.

Furthermore, the shape of the IC module is not particularly limited.

The IC module 3 will be described in detail as shown in Figure 5.

In other words, microcomputers, memory, etc.
The IC chip 9 is surrounded by an epoxy resin 11 except for the top surface, and the top surface of the IC chip 9 includes
A circuit 7 is provided, and the IC chip 9 and the circuit 7 are connected by a lead wire 10. On the other hand, an electrode 6 that is in contact with an external connection terminal is provided on the surface of the IC module 3, and the electrode 6 and the circuit 7 are connected by a lead wire 10. is held by a substrate 8 such as a glass epoxy film,
In addition, the electrode 6 and circuit 7 are through holes (not shown)
It is electrically conductive. Also, IC can be used to prevent the flow of epoxy resin 10 during the manufacture of IC module 3.
A frame 12 of glass epoxy film is provided on the side of the module 3. The IC module 3 configured as described above is attached to the recessed portion of the card 1 with an adhesive 13.

The one shown here is a plastic card made of hard vinyl chloride, and the card 1 is composed of a center core 15 and an oversheet 14, but the invention is not limited to this specification.

Note that information is recorded and stored in the magnetic stripe and the IC memory in the IC module using a commonly used method.

As described above, the card of the present invention includes a magnetic stripe and an IC module in one plastic card, and overlaps the two to record and record information.
Since the information is stored in memory, even if the information on one card is lost, the information remains on the other card, which greatly increases the reliability of the card.

[Brief explanation of the drawing]

FIG. 1 is a plan view showing the appearance of the card of the present invention, FIG. 2 is a sectional view taken along the line AA in FIG. 1, FIG. 3 is a plan view of a card showing another embodiment, and FIG. Third
The BB sectional view in the figure and FIG. 5 are partially enlarged sectional views of FIGS. 2 and 4, showing the structure of the IC module. 1...Card, 2...Magnetic stripe, 3...
IC module, 4...Printed pattern, 7...Circuit,
8... Board, 9... IC chip, 10... Lead wire, 13... Adhesive.

Claims (1)

[Claims] 1 A card consisting of a magnetic stripe and an IC module with a built-in IC memory chip installed on a single plastic card board, in which information is recorded on the magnetic stripe and the information is recorded on the IC memory chip. A card characterized by storing the same information.