JPH0552797B2 - - Google Patents

Description

[Detailed description of the invention] [Industrial application field] The present invention relates to a method for manufacturing a magnetic card.

[Problems to be solved by conventional technology and invention]

In recent years, with the widespread use of magnetic cards such as cash cards and credit cards, crimes such as counterfeiting and misuse of cards have occurred.

Here, an example of a method for forging a card in the case of a cash card is as follows.

(1) Forgery by someone inside the bank The magnetic recording medium of the cash card (usually formed in a stripe shape, commonly known as a magnetic stripe) contains the bank code number, deposit account number, and PIN number. is magnetically recorded as user information. Card counterfeiting is extremely easy for people inside the bank, especially those involved in card issuance, because they can obtain the user information. That is, forgery can be easily carried out by erasing the card owned by the forger using a magnetic recording device to erase his or her own user information, and then magnetically recording the user information on the card of another person to be counterfeited using the device. In this case, the card issuing staff will be able to determine recording conditions such as the position of the first magnetic recording (barcode) (distance from the edge of the magnetic recording medium to the first magnetic recording symbol) and magnetic recording density (number of bits). Since he is very knowledgeable, he can forge it without any problem.

(2) In the case of forgery by an outsider User information cannot be easily obtained by an outsider. However, by secretly watching the operations of a person withdrawing cash from an automatic teller machine, they learned the PIN number of the withdrawer's card, and also learned the balance statement (the one sent from the machine along with the cash) that the withdrawer had discarded. (often thrown away) and find out the bank code number and deposit account number written on the statement. Therefore, it is possible to perform forgery by putting a card owned by the forger into a magnetic recording device, erasing his or her own user information, and newly magnetically recording the other person's user information obtained as described above. In this case, when the counterfeiter's card is soaked in developer, the magnetic recording symbol (barcode) appears as an image, and if you look at it, you can see the location of the first magnetic recording symbol, the magnetic recording density (number of bits), etc. Since the conditions can be determined, magnetic recording can be performed exactly the same as on another person's card.

As mentioned above, since information can be easily erased or newly recorded on magnetic recording cards, no effective means for preventing counterfeiting has been established so far.

In view of the above points, it is an object of the present invention to provide a method for manufacturing a magnetic card that can accurately prevent card forgery.

[Means to solve the problem]

In order to solve the above problems, the present invention has the configuration shown below.

That is, the present invention comprises at least two layers, a low coercive force magnetic layer and a high coercive force magnetic layer, the coercive forces of which differ by a factor of three or more;
A laminated layer formed so that the layers are in the same position vertically is provided on the surface of the card base material, and the laminated layer and the card base material are integrated by heating and pressurizing, and then a device capable of magnetic recording is attached to the high coercive force magnetic layer. A part of the high coercive force magnetic layer and the low coercive force magnetic layer is used as a card specific information recording area, the part other than the card specific information recording area is used as a user information recording area, and the card specific information is magnetically recorded in the card specific information recording area. After recording, the card specific information recorded in the low coercive force magnetic layer is erased to obtain a magnetic card in which the card specific information is recorded in the high coercive force magnetic layer in the card specific information recording area. Method of manufacturing magnetic cards.

The main points are as follows.

〔Example〕

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

In the method of the present invention, first, a laminate having at least two layers, a low coercive force magnetic layer and a high coercive force magnetic layer, is provided on the surface of a card base material, and the laminate and the card base material are integrated by heating and pressurizing.

For example, as shown in FIG. 1, a magnetic transfer tape is formed by sequentially laminating a release layer 2, a low coercive force magnetic layer 3, a high coercive force magnetic layer 4, and an adhesive layer (heat seal type) 5 on a support 1. 6 is brought into close contact with the card base material 7 via the adhesive layer 5 and transferred by heating and pressurizing,
The support 1 is peeled off (FIG. 1A), and then heated and pressurized to embed it in the card base material 7 so that they are flush with each other to obtain a magnetic card 9 in which the recording medium 8 and the card base material 7 are integrated ( Figure 1 B). The recording medium 8 is the second
As shown in the figure, it is structured in a striped shape.
Note that the explanation of FIG. 1 shows a cross section taken along the Y--Y line of FIG. 2. For example, 25 μ as the support 1
A thick polyester film or the like can be used as the release layer 2, a polyester resin or a butyral resin or the like with a thickness of 1 to 3 μm can be used as the peeling layer 2, and a vinyl chloride resin or the like can be used as the card base material 7, respectively. The thickness of the adhesive layer 5 is usually 5 to 10 microns. magnetic layer 3,
The thickness of each of the magnetic layers 4 is usually 10 to 15 μm, and those having a residual magnetic flux of 1.4 maxwell/cm are usually used as the magnetic layers.

The coercive force of the magnetic material differs by at least three times between the low coercive force magnetic layer 3 and the high coercive force magnetic layer 4. That is, the coercive force in the high coercive force magnetic layer 4 is three times or more the coercive force in the low coercive force magnetic layer 3. The coercive forces of the magnetic layers 3 and 4 can be arbitrarily selected, and various combinations of the two are possible. Generally, the coercive force of the magnetic layer standardized in magnetic recording systems is 300Oe,
There are 650Oe and 3000Oe, and 650Oe is currently used for cash cards. Therefore, in the present invention, the magnetic layer 3 has a coercive force of 650 Oe, for example.
can be used. In this case, since the magnetic layer 4 needs to have a coercive force three times or more the coercive force of the magnetic layer 3, which is 650 Oe, the magnetic layer 4 may have a coercive force of 3000 Oe, for example.

Further, each of the magnetic layers 3 and 4 has a card specific information recording area 10a and a user information recording area 11a, respectively, as schematically shown in FIG. 3A.
(low coercive force magnetic layer), card specific information recording area 10b, and user information recording area 11b (high coercive force magnetic layer).

In addition to the above-mentioned embodiments, the following methods can be employed as a method for integrating the lamination of the low coercive force magnetic layer and the card base material by applying pressure and heating.

For example, the interaction between the magnetic layer 3 and the magnetic layer 4 in the above-mentioned magnetic transfer tape (for example, when the magnetic layer 3 and the magnetic layer 4 are laminated, the surface of the lower layer is dissolved by a solvent and the surface becomes uneven). In order to prevent
It is also possible to use a layer with the following barrier layer 12 interposed therebetween. As the barrier layer 12, a synthetic resin film, aluminum foil, etc. can be used. FIG. 4 shows a magnetic card 9 manufactured in this manner.

It can also be manufactured by a coating method, for example, by sequentially coating the magnetic layer 4, magnetic layer 3, and protective layer 13 on the card base material 5, heating and pressurizing it, and embedding it in the card base material 7 so that they are flush with each other. It can be obtained by FIG. 5 shows the magnetic card 9 in that case.

It can also be manufactured by a bonding method, for example, by sequentially laminating the magnetic layer 4, magnetic layer 3, and protective layer 13 on the base film 14, so that the base film 14 is on the card base material 7 side. It is obtained by adhering it to the card base material 7 via the adhesive layer 5 and embedding it in the card base material 7 by applying heat and pressure so that they are flush with each other. FIG. 6 shows the magnetic card 9 in that case.

Note that a barrier layer can be provided between the magnetic layers 3 and 4 also in the coating method and the bonding method.

Incidentally, FIGS. 4 to 6 also show cross sections taken along the line Y--Y in FIG. 1.

Next, in the present invention, card specific information is magnetically recorded on the integrated layer and card base material as described above. In this embodiment, a case will be explained in which the coercive force of the magnetic layer 3 is 650 Oe and the coercive force of the magnetic layer 4 is 3000 Oe.

The magnetic card 9 obtained as described above is applied to a magnetic recording device to magnetically record card specific information a onto the recording medium 8. In this case, the information a is recorded in each card unique information recording area 10a, 10b provided in advance on the recording medium 8. The magnetic layer on which the card specific information a is to be recorded is not the low coercive force magnetic layer 3 but the high coercive force magnetic layer 4. Generally, when performing magnetic recording on a magnetic layer, it is necessary to apply a magnetic field that is at least three times the coercive force of the magnetic layer. Therefore, in this case, in order to record the card specific information a on the magnetic layer 4, it is necessary to apply a magnetic field of 9000 Oe to 10000 Oe. At this time, information a is also recorded on the magnetic layer 3 at the same time (FIG. 3b). Recorded card specific information a
can be any card number, card symbol, etc., but must identify the card in question. Therefore, a certain card-specific information a is given only to a certain card, and other card-specific information is given to other cards.

Next, the information a recorded on the magnetic layer 3 is erased using a magnetic recording device. Generally, in order to erase information recorded on a magnetic layer, it is necessary to apply a magnetic field at least three times the coercive force of the magnetic layer, as in the case of recording. Therefore, in this case, it is necessary to apply a magnetic field of 2000 Oe to erase information a from the magnetic layer 3. Suppose now that information a is erased from the magnetic layer 3 by applying a magnetic field of 2000 Oe. put it here,
To erase even the information a of the magnetic layer 4, the minimum
Since a magnetic field of 9000 Oe is required, the information a of the magnetic layer 4 is not erased, but only the information a of the magnetic layer 3 is erased. In this case, the coercive force of the magnetic layer 4 is
If the value is less than three times the coercive force, the magnetic layer 4 will be affected and may be demagnetized. In the present invention, the coercive force of the magnetic layer 4 is three times or more greater than the coercive force of the magnetic layer 3, so this problem does not occur. Therefore, only the magnetic layer 4 contains the card specific information a.
A magnetic card 1 on which is recorded is obtained (FIG. 3C).

Although the recording medium 8 is formed in a striped shape as shown in FIG. 1, in the present invention, the recording medium 8 is not limited to the striped shape, and the area of the recording medium 8 can also be arbitrarily selected. Alternatively, the longitudinal end of the recording medium 8 and the end of the card base material 7 may not be aligned with each other.

Next, a method of using the magnetic card manufactured according to the present invention will be described.

A magnetic card issuer (for example, a bank, a credit card company, etc.) places the magnetic card 15 on a magnetic recording device and magnetically records the user information b in the conventional manner. In this case, user information recording area 1 of recording medium 8
Recording is performed on 1a. In FIGS. 1 and 2, the area to the left of the dotted line 16 shown on the recording medium 8 is provided as the user information recording area 11. Currently, the magnetic recording devices installed in banks, credit card companies, etc. have a magnetic field of about 2000 Oe, so
In the user information recording performed by the magnetic card issuer, the information b is recorded only in the magnetic layer 3 and not in the magnetic layer 4. The user information b may be of the same type as conventional ones; for example, in the case of a cash card, the user information b may include a bank, a code number, a deposit account number, a PIN number, etc. Thus, a magnetic card 1 is issued in which card specific information a is recorded in the high coercive force magnetic layer 4 of the card specific information recording area 10 and user information b is recorded in the low coercive force magnetic layer 3 of the user information recording area 11. (Figure 7).

Next, a description will be given of how counterfeiting can be prevented when the magnetic card obtained by the method of the present invention is used as a cash card.

First, we will discuss the case where someone inside the bank uses an unissued card to forge a card. For unissued cards, the magnetic layer 3 is as shown in Figure 8A.
No user information is recorded in the magnetic layer 4.
Card specific information a is recorded in . Here, it is assumed that "1" is recorded as the card specific information a. Assume that a card forger uses this card to record the unique card information and user information of another person, which the card forger came to know in the course of his/her work. Here, if the card unique information a of the other person is "2", in this case, as mentioned above, the magnetic recording device installed at the bank has a magnetic field of about 2000 Oe, so the card unique information a is "2". and "1" are recorded vertically overlapping each other (Fig. 8B). When a counterfeiter attempts to withdraw cash by using this counterfeit card from an automatic teller machine installed at a bank, the waveforms of the card-specific information "1" and "2" are synthesized in the magnetic reader, causing noise. occurs, and as a result, the device is unable to read the card-specific information and no cash is withdrawn. In addition, if card unique information "2" is not recorded in the recording area, the combination of card unique information a and user information b will be different, so the device will generate an inappropriate signal, and similarly, it will not be possible to withdraw cash. will not be performed. Furthermore, as will be described later, the card specific information "1" cannot be deleted initially.

Next, we will discuss the case where someone inside the bank or someone outside the bank uses their own card for forgery. As shown in FIG. 9A, card unique information a and user information b are recorded on the card owned by the forger, and it is assumed here that card unique information a is "3". A counterfeiter attempts to erase the information recorded on his own card and newly record information on another person's card. Here, as mentioned above, since the magnetic recording device that can be used by bank officials or outsiders has a magnetic field of about 2000 Oe, the user information b recorded in the magnetic layer 3 can be erased, but the The recorded card unique information "3" remains without being erased (FIG. 9B). Assume that card specific information a and user information b of another person's card, which were known by some means, are recorded on this card. Here, it is assumed that the card unique information a of the other person is "2" as described above. For the same reason as mentioned above, information a and b are recorded only on the magnetic layer 3, and the card specific information "2" and "3" are recorded only on the magnetic layer 3.
are recorded as being superimposed vertically (Fig. 9C). Even if this card is used, a magnetic reader cannot read it for the same reason as mentioned above, so crimes are prevented.

〔Effect of the invention〕

As explained above, the manufacturing method of the present invention provides a laminated layer in which a low coercive force magnetic layer and a high coercive force magnetic layer are formed vertically in the same position on the surface of a card base material. When a magnetic card is viewed from the outside, the low coercive force magnetic layer and the high coercive force magnetic layer are formed as one unit, so it looks like there is only one magnetic layer, which helps prevent card counterfeiting. It is effective in achieving this.

Moreover, in the present invention, a part of the high coercive force magnetic layer having a coercive force three times or more that of the low coercive force magnetic layer is used as a card specific information recording area, and a device capable of magnetic recording is prepared in advance on the high coercive force magnetic layer during manufacturing. By adopting a manufacturing method in which card specific information is recorded in the card specific information recording area of the high coercive force magnetic layer using high coercive force magnetic layer, magnetic recording devices normally used by card issuers etc. Since the layer cannot be erased or recorded, if a third party were to obtain user information or card-specific information through illegal means, rewriting the card-specific information in the high coercive force magnetic layer would be possible only at the time of card manufacture. , it is possible to reliably prevent card forgery. In addition, even if the card-specific information is available to a person within the card issuing company, it is impossible to rewrite the card-specific information, and it is possible to prevent forgery not only by a third party but also by an internal person. It is preventable.

Furthermore, in the magnetic card obtained by the manufacturing method of the present invention, the user information recording area and the card-specific information recording area are recorded in positions that do not overlap with each other, so when the card is used, user information and card-specific information can be read and compared. A counterfeit card can be immediately determined simply by doing so, and conventional equipment can be used as is when using the card.

[Brief explanation of drawings]

Fig. 1 is an explanatory diagram illustrating the integration of lamination and card base material in the manufacturing method of the present invention, Fig. 2 is a plan view of a magnetic card obtained by the method of the present invention, and Fig. 3 is a recording of card-specific information on the card. FIGS. 4 to 6 are cross-sectional views of main parts showing other embodiments in which the laminated layer and the card base material are integrated, and FIG.
The figure is an explanatory cross-sectional view showing a magnetic card obtained by the present invention, and FIGS. 8 and 9 are explanatory views showing the process of card forgery. 3...Low coercive force magnetic layer, 4...High coercive force magnetic layer, 7
... Card base material, 8 ... Recording medium, 10 (10a, 1
0b)...Card specific information recording area, 11 (11
a, 11b)...User information recording area, 15...
magnetic card.

Claims (1)

[Claims] 1. A laminated layer consisting of at least two layers, a low coercive force magnetic layer and a high coercive force magnetic layer, each having a coercive force different by at least 3 times, and formed so that the above two layers are in the same position vertically, is provided on the surface of the card base material, and heated. After applying pressure to integrate the laminated layer and the card base material, using a device capable of magnetic recording on the high coercive force magnetic layer, a part of the high coercive force magnetic layer and the low coercive force magnetic layer is recorded in the card specific information recording area. Then, the part other than the card specific information recording area is set as the user information recording area, and after magnetically recording the card specific information in the card specific information recording area, the card specific information recorded in the low coercive force magnetic layer is erased, and the card A method for producing a magnetic card, comprising obtaining a magnetic card in which card-specific information is recorded in a high coercive force magnetic layer in a specific information recording area.