KR20140055200A - Card having the function with credit and debit - Google Patents

Abstract

The present invention relates to an integrated card which can be used as a credit card and a debit card. The integrated card includes two magnetic tapes with a predetermined space between on a surface of a plate and is capable of being used as a credit card and a debit card to enable easier storage and usage. The integrated card includes: a plate which has the name of the user and the serial number engraved on a surface; a hologram sticker for fraud prevention; a first magnetic tape which is arranged on the other surface of the plate and includes the serial number for the card and the user information to be used for credit card payment; and a second magnetic tape which is arranged on the other surface of the plate to have the predetermined space from the first magnetic tape and includes the serial number for the card and the user information to be used for debit card payment.

Description

{Card having the function with credit and debit}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit card, and more particularly, to an integrated card having a credit card and a check card function which are easy to store and use.

Generally, credit cards and check cards are used in financial transactions.

When a user presents a credit card at a merchant of a credit card, the credit card of the above-mentioned financial transaction card is displayed through a card reader connected to a credit card company online, This is a card that is used for a kind of foreign trade transaction that allows a credit transaction within a range that does not exceed the usable amount limit and the transaction amount is charged to the card user after a certain time by the credit card company.

When a user presents a check card at a merchant of a check card, the card is connected to a financial institution (for example, a bank, etc.) The card is read through the card reader, and if the balance remaining in the financial account connected to the check card remains above the transaction amount, the transaction from the financial account is immediately withdrawn to the merchant.

1 and 2 are cross-sectional views respectively showing front and rear surfaces of a credit card or a check card according to the related art.

As shown in FIGS. 1 and 2, a credit card or a check card according to the related art is formed by inserting a user's name and a serial number of a card on a plastic plate 110 having a rectangular shape, A magnetic tape 130 and a signature sticker 140 are attached to the back side of the hologram sticker 120. The magnetic tape 130 includes customer information such as a serial number of the card.

However, there has been a problem in that the credit card or the check card according to the related art as described above must be individually issued.

In addition, when a card is lost while holding a credit card and a check card separately, there is a problem that it is troublesome for the card company to report the lost card to the card company, There is a problem that illegal use may occur.

The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a magnetic card having two magnetic tapes at regular intervals on one side of a plate and serving as both a credit card and a check card, The purpose of the integrated card is to provide.

According to another aspect of the present invention, there is provided an integrated card having a credit card and a check card function. The card includes a plate, a holographic sticker for preventing the copying of the card, A first magnetic tape having a serial number of the card and customer information of the user recorded on the other surface of the plate and used at the time of credit card settlement and a first magnetic tape arranged at a certain interval from the first magnetic tape on the other surface of the plate, And a second magnetic tape for storing user information of the user and used for payment of the check card.

The integrated card having the credit card and check card functions according to the present invention has the following effects.

That is, two magnetic tapes are formed on one surface of the plate at regular intervals and used as a credit card and a check card, respectively, to facilitate storage and use.

1 and 2 are cross-sectional views respectively showing a front surface and a rear surface of a credit card or a check card according to the related art
FIG. 3 and FIG. 4 are cross-sectional views respectively showing a front face and a rear face of the integrated card having the credit card and check card functions according to the present invention
5 and 6 are cross-sectional views respectively showing a front face and a rear face of a credit card and an integrated card having a check card function according to another embodiment of the present invention
7 is a cross-sectional view showing a front face of an integrated card having a credit card and check card function according to another embodiment of the present invention

Hereinafter, a credit card and an integrated card having a check card function according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the principles of the invention.

In addition, the same or corresponding components are denoted by the same reference numerals regardless of the reference numerals, and redundant description thereof will be omitted. For convenience of explanation, the size and shape of each constituent member shown may be exaggerated or reduced have.

FIG. 3 and FIG. 4 are cross-sectional views illustrating front and rear views of a credit card and an integrated card having a check card function according to the present invention, respectively.

As shown in FIGS. 3 and 4, the integrated card having a credit card and a check card function according to the present invention includes a plastic plate 210 having a rectangular shape, And a hologram sticker 220 for preventing duplication of the card. The magnetic tape 230 and 240 are provided on the other surface of the plate 210. The first and second magnetic tapes 230 and 240 contain customer information such as the serial number of the card. And a signature sticker 250 are attached.

Here, the first and second magnetic tapes 230 and 240 record basic information and member information of a credit card and a check card to provide a financial service.

The basic information of the credit card and the check card refers to the member's credit card number and validity period.

The second magnetic tape 240 is used as a credit card for receiving a financial service on the first magnetic tape 230. The second magnetic tape 240 is used to check whether a transaction amount from the financial account is used when a balance of a transaction amount or more remains in the financial account It is used as a card.

For example, the first magnetic tape 230 and the second magnetic tape 240 are attached to the first magnetic tape 230 and the second magnetic tape 240, respectively. And read the credit card or check card information of the attached first and second magnetic tapes 230 and 240 as a credit card or a check card.

Cardholder information and other security and encryption codes are stored in the first and second magnetic tapes 230 and 240 in a form readable by a magnetic tape reader. The card information and the like stored in the magnetic tape conform to the ISO 7811 standard . According to ISO 7811, magnetic tapes must be divided into three tracks, each with a defined capacity and different uses for each track.

Track 1 has a room for 79 7-bit alphanumeric characters, specific information is stored, and Track 2 contains space for 40 5-bit numeric characters. And stores the information of the credit card and the information of the debit card. Track 3 is provided with space for 107 numbers, and the information of the cash card is stored.

ISO 7811 further subdivides the data fields in the track and assigns these fields to specific information, for example track 1 may contain a primary member number, a country code, a surname, an initial or initial, , A title, an expiration date, and the like. Track 2 has a data field format in which primary member numbers, expiration dates, country codes, and the like are stored. In this case, there is a space for storing arbitrary data in each of the tracks 1 and 2, 13 characters in the case of the track 1, and 2 characters in the case of the track 2, which are related to the sampling of the analog signal do.

Meanwhile, when the second magnetic tape 240 is connected to the card terminal in order to use the integrated card according to the present invention as a check card, when there is no residue in the passbook or when the second magnetic tape 240 is insufficient, the first magnetic tape 240 is used And will settle the credit.

That is, when the second magnetic tape 240 is used as a check card, an amount of money more than the amount to be paid must remain in the passbook, and the user may desire to use the card as a check card after purchasing the product without knowing it . At this time, if the amount of the money in the passbook is insufficient, the payment is not made with the check card, so that the user connects the first magnetic tape 230 to settle the credit card again.

Therefore, it is possible to solve the inconvenience of storage by using only a single integrated card having a credit card and check card function according to the present invention and using it as a credit card or a check card as needed.

5 and 6 are cross-sectional views showing front and rear surfaces of a credit card and an integrated card having a check card function according to another embodiment of the present invention, respectively.

5 and 6, the integrated card having a credit card and a check card function according to another embodiment of the present invention differs from the embodiment of FIGS. 3 and 4 in that one side of the plate 210 Except that they have a curved or rounded shape.

On the other hand, one side of the plate 210 may be cut without having a curved or rounded shape so that only one side edge portion has a constant curved line.

By cutting only one corner portion as described above, a blind card can be easily made by a blind person or the like. In addition, it is possible to recognize the direction of the card and use the card more smoothly.

In addition, the size of the plate 210 may be reduced, or may be made to be about half of that of a general card, and then cut and used in a half.

FIG. 7 is a cross-sectional view showing a front face of an integrated card having a credit card and a check card function according to another embodiment of the present invention.

As shown in FIG. 7, the ornament 260 having a predetermined shape is coated on the entire surface of the plate 210, thereby maximizing the advertising effect as well as the beauty of the card to the user.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Will be apparent to those of ordinary skill in the art.

210: plate 220: hologram sticker
230: first magnetic tape 240: second magnetic tape
250: Signature sticker 260: Ornament

Claims (3)

Plate,
A hologram sticker for engraving a user's name and serial number of the card on one side of the plate and preventing copying of the card,
A first magnetic tape for storing a serial number of a card and customer information of a user on the other surface of the plate,
And a second magnetic tape disposed on the other surface of the plate at a predetermined distance from the first magnetic tape to store a serial number of the card and customer information of the user and used for check card settlement. Integrated card with card function. The integrated card according to claim 1, wherein one side of the plate has a curved shape or a round shape. The integrated card according to claim 1, wherein a decorative material is coated on one side of the plate.

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