JPS62188070A - Magnetic card - Google Patents

Abstract

PURPOSE:To obtain a magnetic card immune from illegal use by enciphering or decoding a read and a write on a data storing magnetic strips in the magnetic card based on a code written on a water making magnetic stripe. CONSTITUTION:An enciphered data is stored on a data storing magnetic stripe in the magnetic card. When the magnetic card is inserted to a card processor, a CPU21 controls a magnetic control part 31, and the read for the water marking magnetic stripe is performed, and a check for an ID code is performed, and when it is is decided that the check is correct, the data storing magnetic stripe is read. A content, for example, a cipher, etc., is decoded with the ID code, and is sent to a center computer through a transmission control part 25. An acceptance possible/ impossible signal sent from the center computer is received, and when it is an acceptance possible signal, the CPU21 makes light the acceptance display part of a display apparatus 41, then ejecting the card.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Field of Industrial Application) The present invention relates to a magnetic card having encrypted magnetic data.

(Conventional technology) Traditionally, banks used cash cards.

BACKGROUND OF THE INVENTION Cash is withdrawn from automatic cash withdrawal machines and the like using magnetic cards such as credit cards and money bills. In this case, the user enters his or her personal identification number, and the machine verifies this identification number to withdraw cash.

However, with conventional magnetic cards, it is relatively easy to read the PIN number of the magnetic card or the amount data of the amount ticket, so it is possible for a third party to fraudulently use a stolen magnetic card or read the amount data of the amount ticket. There was a problem that it could be rewritten.

(Problems to be Solved by the Invention) The present invention has been made in view of the above-mentioned problems, and its purpose is to provide a magnetic card that cannot be used fraudulently.

[Configuration of the Invention (Means for Solving Problems) A data magnetic stripe for storing encrypted data, and a method for encrypting the data when writing and decoding when reading the data are determined. (Function) According to the magnetic card of the present invention, writing and reading to and from the data magnetic stripe can be performed using the code written on the watermark magnetic stripe. This is done by encrypting or decoding based on

(Example) The present example will be described in detail below based on the drawings. 1st
The figure shows a magnetic card 1 according to an embodiment of the present invention, and this magnetic card is provided with a data magnetic stripe 3 and a watermark magnetic stripe 5. The data magnetic stripe 3 is a conventionally commonly used magnetic stripe.

The watermark magnetic stripe 5 consists of needle-like particles as a second
As shown in the figure, they are oriented in stripes in two directions, +45' and -45'. That is, "1" and "0" are distinguished depending on the orientation direction, and data is detected by moving the watermark reading magnetic head 7 in the direction shown in the figure. A code that determines the encryption and decryption method is written in the watermark magnetic stripe 5.

Data necessary for ordinary credit cards, etc. is written to the data magnetic stripe 3, but when it is written, it is encrypted using the code on the watermark magnetic stripe 5, and when it is read, it is encoded using this code. Decryption is performed.

FIG. 3 is a block diagram of a card processing machine for processing magnetic cards according to an embodiment of the present invention.

A central processing unit (CPU) 21 controls the entire card processing machine. The memory section 23 is a read-only memory (ROM).
) and a memory (RAM) that can be read and written at any time.
A control program for the CPU 21 is stored in the OM. The transmission control unit 25 transmits the acquired data of the magnetic card to a center computer (not shown) or the like. The magnetic write control section 27 controls the write magnetic head 29 to rewrite the contents of the magnetic stripe 3. The magnetic reading control unit 31 controls the data reading magnetic head 33 and the watermark reading magnetic head 7 to read the contents of the data magnetic stripe 3 and the watermark magnetic stripe 5.

The mechanical control section 35 controls motors, solenoids, microswitches, sensors, etc. 37. The display control section 39 controls the display 41.

Next, a flowchart for processing the magnetic card 1 according to this embodiment by a card processing machine will be described. FIG. 4 shows a case where the magnetic card is a credit card, and the data magnetic stripe 3 of this card stores encrypted data in advance. When the user inserts the magnetic card 1 into the card processing machine (step 401), the CPU 21 controls the magnetic reading control section 31 to cause the watermark magnetic head 7 to read the watermark magnetic stripe 5 (step 403). , checks the ID code written on the read watermark, and if it is determined that the check is correct (step 405), the CPU 21
The data reading magnetic head 33 reads the contents of the data magnetic stripe 3 (step 4o7). Then, the contents of the data magnetic stripe 3, such as a code number, are decoded using the ID code of the watermark read in step 403 (step 409), and the code number, etc. is sent to the center computer via the transmission control unit 25. (Step 411). - To receive the acceptance/disapproval signal sent from the center computer (Step 413), if the reception is acceptable (Step 415), the CPU 21 displays the display 41.
The acceptable display section of the card is lit (step 417), and the card is ejected (step 419).

FIG. 5 is a flowchart showing the processing when the magnetic card 1 is a money ticket, and the processing up to step 509 is the same as that for a credit card, and the contents of the data magnetic stripe are decoded using the watermark ID code. (Step 509), the remaining amount is not zero (Step 5
11) In case 1:, the balance data is sent to a terminal device (not shown) via the transmission control unit 25 (step 513).
Step 515)
, deduct the amount used (swipe 517), encrypt the data with the ID code of the watermark (step 519), write the encrypted data on the data magnetic stripe 5 using the data writing magnetic head (step 521), Drill a hole to display the remaining amount (step 523),
The card is ejected (step 525).

In this way, in this embodiment, the data written to the data magnetic stripe 3 is encrypted, and this code is encrypted and decrypted by the code in the watermark magnetic stripe 5. Even if the watermark falls into the hands of someone else, it is generally extremely difficult to read the watermark, so there is no risk of unauthorized use.

[Effects of the Invention] As described above in detail, according to the present invention, even if the magnetic card falls into the hands of a third party, there is no risk of unauthorized use.

[Brief explanation of drawings]

Figure 1 is an external view of a magnetic card, Figure 2 is a diagram showing the principle of watermarking, Figure 3 is a block diagram of the card processing machine, and Figures 4 and 5 are for credit cards and money bills. It is a flow chart showing card processing. 1...Magnetic card, 3...Magnetic stripe for data,
5...Magnetic stripe for watermark.

Claims (1)

[Scope of Claims] A data magnetic stripe for storing encrypted data, and a watermark magnetic stripe having a code written thereon that determines the encryption method when writing the data and the decryption method when reading the data. A magnetic card characterized by having a stripe.