JPS58500437A - Banking cards for automated teller machines, etc. - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] Banking card technology field such as automatic teller machines This invention relates to an identification card, particularly for use in automatic teller machines, etc. This relates to a data card that can be used as a data card.

background technique book For the most part, electronic funds transfer systems allow banks' customers to transfer funds at any time during the day. It also allows you to process transactions from anywhere. But long However, one thing that is encountered is its safety. Banks typically have centralized data processing. However, all automated teller machines (ATVs) are It is connected to this computer (CPU) by a communication line.

Often for safety purposes, ATVs are installed within the trowel. This is two principles done for a reason. First, ATVs have a lot of money. Second, ATV Access to, including access to communication links, is strictly controlled. In this way, the package Not only is there a requirement for physical security for the gold involved, but also There is also a requirement for security of communications because of the proximity tolerance. cheap communication Integrity is widely acknowledged to be one of the weak links in ATV banking. ing. To improve the security of communications, most banks are Data encryption is used in between. The same problem associated with data encryption is that it is 5 Sada BHrε-5t! 0i37 (2) Make maintenance more complicated and This means that the ATV machine itself becomes more cumbersome. Furthermore, new The same amount of security arises, namely security for the cryptographic system. to the cryptographic device The security against the ATM is almost as great as that against the ATM itself. Must be. This is because these devices contain clear data.

The solution is to incorporate such devices into ATVs and therefore ATM The data coming out is encrypted.

Encrypted ATVs are used in the current meeting, but the electronic funds transfer system is not used in small isolated areas; The communication link to the CPU in the computer can be quite expensive, and in many cases It interferes with the use of TV. Many such areas still have modern versions of paper banks. using passbook banking, and for the foreseeable future appears to remain the primary method of conducting banking operations. these places , as well as in most areas, a more simplified ATV, i.e. Reverting to no expensive telecommunications link to the CPU requiring data encryption equipment It is desirable to Therefore, it is not connected to a remote CPU and is not connected to an external CPU. Easier electronic bankbook banking by cooperating with ATMs that do not have data encryption systems The purpose of this invention is to devise a banking card that can be used to

Disclosure of invention The above purpose is used with card readers in conjunction with ATVs and similar devices. Compatible with data cards with high information capacity. A data card is a credit card. A wallet-sized card such as a card, preferably with a Id) with a data band that is balanced with the horizontal dimension.

The strip contains high resolution, high capacity reflective laser recording material.

The laser recording material is intended as a record for bankbook banking. paraphrase If applicable, all deposits, withdrawals, interest payments and service charges will be charged to the bank. Passbook type records are included in debt. This data is collected by user confirmation and Can be entered by the ATV to update current data.

One of the main advantages of this invention is the high information capacity of the laser recording media band. representative Generally speaking, high-resolution laser recording materials require optical resolution of several microns or even tens of microns. Record the bit that has the dimensions of the card. High capacity laser recording material strips Credit cards are more suitable for bankbook banking applications, verification and similar uses. Allows you to have an equivalent amount of scores for a rich amount of text.

Brief description of the drawing FIG. 1 is a flat WI view of one side of a data card according to the present invention.

FIG. 2 is a partial side cross-section taken along line 2-2 of FIG. 1.

FIG. 3 shows the laser beam on the portion of the laser track indicated by the dotted line in FIG. Details of writing.

Figure 4 shows how to read and write on the optical recording medium shown in Figure 1. FIG. 3 is a plan view of the device.

BEST MODE FOR CARRYING OUT THE INVENTION Referring to FIGS. 1 and 2, the data card 11 is a type of most credit cards. It is shown having a common size with.

The width dimension of such a card is approximately 5411 mm and the length dimension is approximately 85 mm.

These dimensions are not definitive and such sizes can easily fit into a wallet. It has historically been used as a convenient size for automatic teller machines, etc. For this reason, the card base 13 is preferably dielectric, typically made of polyvinyl chloride or Or it is a plastic material like similar materials. The surface finish of the base is preferred. Or, it must have a low specular reflectance of 10% or less. Base 13 is obi It has a shallow groove that surrounds 15. The strip is approximately 15am wide and the length of the card Extends in the direction. Alternatively, the bands may have other sizes and orientations. is relatively thin, about 100-500 mm, but this is not definitive. However, the band may be applied to the card by any convenient method that achieves flatness. Ru. The strip is affixed to the card with adhesive and protects the strip 15 from dirt and scratches. It is covered by a thin transparent sheet 19 which protects as well as keeps the band 15 flat.

Sheet 19 may be a thin transparent plastic sheet laminated material or a transparent wrapper. It is a car-like coating.

The opposite side of the base 13 has a design for the user's IUG represented on the front of the card. It may have a symbol. Card expiry date data 0, card number, etc. Other indicia may also be selectively provided.

The high resolution laser recording material forming the band 15 is deposited on a thin substrate. Direct Read After Write (DRAW) (dlrectread, after-write) as an optical disc Any reflective recording material that has been developed for use in The advantage of reflective material above the reflective material is that all read/write devices are on one side of the card. on the side, meaning automatic focusing is easier. example is , United States patent to deBont et al., serial number 4°230. The high resolution materials described in No. 939 are 131.7e, lnd, Sn , Cu, AI, Pt, A(+, Rh.

Anti-aluminum metal records such as As, Sb, Qe, Ss, Qa (F) Teach layers. Preferred materials are those with high reflectance and low melting capacitance. In particular, CD, 3n, 71° lnd, 9i and amalgam. organic colloid Suspension of reflective metal particles in the disk also forms a laser recording medium with a low degree of haze. . The laser recording material selected must be compatible with the laser used to write on it. It must be something that can be done. Some materials are better than others at certain wavelengths. More sensitive. Better sensitivity to infrared light is a thin layer sheet that is transparent to infrared light Preferred because it is not affected by scratches and contaminants on the stomach. The selected recording material is preferred by the read/write system in which it is used. It should have a good S/N ratio. A large number of reflective laser recording materials are The zero reflectance used for scientific data disc applications is at least 15%. , preferably greater than 25%. Approximately 50% reflectance is due to the It is preferable that the reflectance of the cut is 10% or less.

Referring to FIG. 3, an enlarged view of laser writing on laser recording material strip 15 is shown.

Dotted line 33 corresponds to point -33 in FIG. Rectangular bit 35 is Aligned with the position trajectory, they have approximately similar dimensions. The pit is the lengthwise dimension of the strip. It is approximately circular or elliptical in shape, with the axis of the ellipse perpendicular to the law. No. Two groups of pits 37 are shown aligned in a second trajectory. pit 37&t, It has similar dimensions to the pit 35. The gap between the tracks is determined by the lead pack system. construction except that the eyes of the eye must be able to easily identify the trajectory. , it is not definitive.

Currently, with optical disk technology, orbits separated by just 2.3 microns can be resolved. obtain. The spacing and pattern of pits along each trajectory are chosen for easy decoding. It will be done. For example, an oblong pit of the type shown is a self-clocking barcode. flocking according to self-clocking bar codes and can leave. If a change in Pitt's t-method is required If so, such dimensions can be determined by clustered pits such as double bits 39. can be achieved by Such changes are covered by the United States Patent, Sequential Number No. 4.245.152 used in the ETAB barcode described in subheading No. 4.245.152. It will be done. American Bankers Association (Ag+erlcan Ban) kars' A 5 soclatlon) has not yet adopted any unique code. However, many machines and eye-readable codes are being used to adjust the band material. ing. Universal product code ((J n1versal prod Some optical codes, such as uct code), are both machine- and eye-readable. I am a person. Such codes are much smaller than those with circular or oval bits. requires a lot of laser writing, and a very low C1 information density is achieved, but It can also be adjusted. The pit shown in Figure 3 is approximately 5 mifron x 20 Have a recommended size of microns or have a diameter of 5 microns or 10 microns It is a circular bit. Generally, the smallest dimension of a pit is less than 50 microns. There must be. In a preferred embodiment, the largest dimension is also 50 microns. less than or equal to Of course, to offset the lower density from the larger pits, the band 15 Alternatively, the size of 25 can be extended to the point of covering a large area of the card. . In FIG. 1, the laser recording strip 25 completely covers one side of the card. Can be done. Minimum information capacity of 250,000 pits is indicated, 1 million pits A storage capacity exceeding .

In FIG. 4, a side view of the longitudinal dimensions of the card 41 is shown. The card is The card is received by a permanently movable holder 42 which transports the card into the beam trajectory. Laser light 1 [43 is preferably a pulsed semi-dedicated laser with an infrared wavelength, A beam 45 is emitted which passes through a reference and focusing optic 47 . beam is beams The beam splitter 49 is sampled by a converging lens 5. 1 is transmitted to a photodetector 53. Detector 53 is laser written , and it's not important. The beam is then connected to the first servo controller. The first servo-controlled mirror 55 is mounted for rotation along axis 57 in the direction indicated by mark A . The purpose of mirror 55 is to improve the lateral edge of the laser recording material in the coarse mode of operation. Find the bale and keep it at a predetermined distance from the bale even in the slightest mode of motion. The purpose is to confirm the data trajectory that exists in .

The beam is directed from mirror 55 to mirror 61. This mirror has a pivot axis 63 Rotatably mounted. Mirror 550 objective is to create a beam along the length of the card This is for fine control of movement. Fine control of the longitudinal position of the card relative to the beam is achieved by moving the movable holder 42. The position of the holder is For close loop position servo systems of the type used in disk drives. Therefore, it can be established by a linear motor regulated. Reference position information is on the card may be pre-recorded, thus generating a position error signal and controlling the motor controller. Used as feedback in trolls. Read one data trajectory At this time, the mirror 55 is rotated slightly. The motor moves the holder 41 in the length direction. and thus the trajectory can be read. Light is scattered and reflected from the pit. When irradiating the beam, the reflectivity of the beam changes relative to the surrounding material, where no pits are present. become The beam applies sufficient laser pulse energy to the recording material to create pits. must be applied to the surface of the material. Typically, 5-10 milliwatts is required. Yes, it depends on the recording material. The wavelength of the laser should be matched to the recording material.

In read mode, power is reduced to about 5% of recording power.

The difference in reflectance between the pit and the surrounding material is determined by optical detection, which can be a photodiode. It is detected by the detector 65. The light passes through a beam splitter 67 and a converging lens 69 is focused on the detector 665 by. The servo motor (not shown) Mirrors according to commands received from the control road as well as from the feedback device. control the position of and drive the mirror. The detector 65 sends an electrical signal corresponding to the pit. bring about These signals provide valid information regarding transactions recorded on the card. The bales are then processed and recorded for display.

In operation, the card of this invention can be used just like a bank passbook. Wear. First, the card is read to determine prerecorded information. Next, The user enters the person's transaction and if it is recognized as valid by the ATV. , the ATV generates the data to be written to the first emperor by its slow laser. . The data will be entered in the bank passbook with the new calculation status. Operates in this mode and The card of this invention may be used for free standing ATVs in isolated locations. . It is necessary to record each transaction for an ATM, but for a CP in a remote location, There is no need to transmit transaction data using an electrical overconfidence link to the U. stomach.

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Claims (1)

[Claims] 1. A wallet-sized card and High-resolution reflective laser recording material with a reflectance of 15% or more and fixed to the card A data card for use with a card reader, the data card having a card reader. 2. The strip has a minimum laser recording capacity of 250,000 double pits, and the front Each pit is a pit in the laser recording material that is 50 microns or less in size. The card according to claim 1. 3. The band is rectangular and has a pre-marked area represented by pits aligned with the trajectory. 3. A card according to claim 2, comprising recorded data bits. 4. The pits are aligned within a self-clocking barcode. Cards listed in section. 5. Billfolds with opposing sides and a length that is equal to or exceeds the width size card, reflectance of 15% or more, and high resolution adhered to the card. a strip of reflective laser recording material; a laser arranged in a laser writing relationship with respect to said band; - A data card processing system that uses a photodetector arranged in a reflective reading relationship. Tem. 6. The system according to claim 5, wherein the laser is a semiconductor diode laser. stem. 7. The strip has a minimum laser recording capacity of 250,000 two-way pits; Each pit is a pit in the laser recording material that is 50 microns or less in size. The card according to claim 5, which is a card. 8. The band is rectangular and has a pre-marked area represented by pits aligned with the trajectory. 6. A card according to claim 5, comprising recorded data bits. 9. The pits are aligned with a self-clocking barcode, as claimed in claim 8. Cards listed in section. 10. Bank passbook banking information is recorded by a laser attached to the data card. By optically writing on the material and reading the bankbook information on the data card. automatic teller machine that can take and write; bankin updated by automatic teller machines. An electronic bank that allows for the addition of programming information onto the laser recording material of a data card. King method.