JP4028728B2 - Card processing device - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a card processing device.
[0002]
[Prior art]
Today, payment by various cards (credit card, cash card used for debit card payment, IC card equipped with electronic money, etc.) functioning as a payment means instead of cash is widely used.
[0003]
In order to read data stored in a magnetic stripe such as a credit card or a debit card as shown in FIG. 11 in a store or the like that performs electronic settlement using such various cards. Read / write data stored in an IC chip such as the card processing device 200, an IC card having electronic money, a credit card or a cash card used for debit card settlement, and permit input of a personal identification number It is necessary to install the card processing device 201 and the like. However, as shown in FIG. 11, a plurality of types of card processing devices 200 and 201 are installed in a store to accommodate various cards (credit cards, cash cards used for debit card settlement, IC cards equipped with electronic money, etc.). In that case, a large installation space is required.
[0004]
Therefore, in recent years, development of a card processing apparatus that can cope with settlement processing by various cards (credit card, cash card used for debit card settlement, IC card equipped with electronic money, etc.) has progressed. Yes.
[0005]
[Problems to be solved by the invention]
By the way, at the time of credit settlement, the store clerk inserts the credit card received from the customer into the card processing apparatus, and returns to the customer when all the processes such as signature confirmation are completed.
[0006]
On the other hand, in debit card payment, since it is not necessary to confirm the signature, there is no need for the clerk to receive a cash card from the customer, so that the clerk can complete the payment without touching the cash card.
[0007]
Therefore, in order to solve the problem of installation space, one card can handle payment processing with various cards (credit card, cash card used for debit card payment, IC card with electronic money, etc.). In the processing device, settlement is performed by changing the installation direction of the card processing device (card reading direction) according to the type of data stored in the card.
[0008]
However, if payment is made by changing the installation direction of the card processing device (card reading direction) according to the type of data stored in the card, the operation becomes complicated and inferior in practicality.
[0009]
The present invention provides a card processing apparatus capable of executing various electronic payments suitable for the type of data stored in a card without performing a complicated operation such as changing the installation direction. Objective.
[0010]
[Means for Solving the Problems]
The card processing apparatus according to the present invention is configured so that a card having at least one of a magnetic stripe or an IC chip is inserted from a front side to a back side in a card path communicating with a pair of openings provided in a slit shape on the front and back sides of a housing. A first conveying means for conveying toward the card, a second conveying means for conveying the card from the back side toward the front side in the card path, and the card path being conveyed by the first conveying means. The data stored in the magnetic stripe of the card to be carried and conveyed in the card path by the second conveying means in the same direction as the card conveyed in the card path by the first conveying means A magnetic data reading unit (for example, a magnetic card reader) that reads data stored in the magnetic stripe of the card to be stored; The data stored in the IC chip of the card transported to the reading position by the transport means and the second transport means read in the same direction as the card transported to the reading position by the first transport means An IC data reading unit (for example, an IC card reader / writer) for reading data stored in an IC chip included in the card conveyed to a position; Provided on each of the front and back of the housing; First light emitting means for emitting light (Note By controlling the light emission of the first light emitting means and the customer side light emitting part and the clerk side light emitting part) A standby operation state in which the card is transported by the first transport unit or the second transport unit, and the card is transported by the first transport unit or the second transport unit. The conveyance operation state is distinguished from the reading operation state in which the magnetic data reading unit reads data stored in the magnetic stripe or the IC data reading unit reads data stored in the IC chip. Apart from the case Front side and Back side In An informing means for indicating.
[0011]
Therefore, the data stored in the magnetic stripe of the card inserted in the opening on the front or back and conveyed in the card path by the first or second transport means is read by the magnetic data reader, and the front or back The data stored in the IC chip of the card inserted through the opening of the card and conveyed to the reading position by the first or second conveying means is read by the IC data reading unit. At this time, the direction of the card conveyed by the first conveying means and the direction of the card conveyed by the second conveying means are the same.
[0012]
DETAILED DESCRIPTION OF THE INVENTION
An embodiment of the present invention will be described with reference to FIGS. This embodiment is an example in which a payment terminal is applied as a card processing device.
[0013]
FIG. 1 is an external perspective view schematically showing a state when the payment terminal is viewed from the front side, FIG. 2 is an external perspective view schematically showing a state when the payment terminal is viewed from the back side, and FIG. 3 is a longitudinal side view thereof. FIG. 4 is a plan view showing the keyboard.
[0014]
The settlement terminal 1 has a housing 4 constituted by a box-shaped bottom cover 2 and a top cover 3 provided on the upper side of the bottom cover 2. The front side of the housing 4 (the front side in FIG. 1 is the front side) has a long slit shape in the horizontal direction and communicates the inside and the outside of the housing 4 to insert / discharge the card C. A front communication port 5 is provided as an opening for this purpose. On the other hand, as shown in FIG. 2, the back surface of the housing 4 has a slit shape that is long in the horizontal direction and communicates the inside and the outside of the housing 4, and the card C is inserted in the same manner as the front communication port 5. A rear communication port 6 that is an opening for discharging is provided. The rear communication port 6 is positioned so that the height from the installation surface of the housing 4 is the same as the front communication port 5. That is, although details will be described later, the payment terminal 1 of the present embodiment is configured to be able to insert / discharge the card C from both directions via the front communication port 5 and the back communication port 6. The settlement terminal 1 according to the present embodiment is installed with the front communication port 5 side of the housing 4 facing the customer side and the rear communication port 6 side of the housing 4 facing the store clerk who is an operator. is there.
[0015]
Here, the card C inserted / extracted with respect to the payment terminal 1 through the front communication port 5 will be described. The card C of the present embodiment functions as a cash card used for credit card and debit card settlement, and has a magnetic stripe S and an IC chip T as shown in FIG. In the magnetic stripe S, customer data such as a bank account number of a customer who is the owner of the card and a password set at the time of opening the account are stored. The IC chip T stores customer data such as a credit card number and a password.
[0016]
An illustration 7 for guiding the insertion direction of the card C is provided near the front communication port 5 of the housing 4. The illustration 7 guides the insertion direction of the card C so that it is inserted in the same direction as the direction indicated by the mark such as an arrow attached to the card C. Similarly, an illustration 8 for guiding the insertion direction of the card C is also provided in the vicinity of the rear surface communication port 6 of the housing 4. The illustration 8 guides the insertion direction of the card C so as to be inserted in the direction opposite to the direction indicated by the mark such as an arrow attached to the card C. When the card C is inserted in accordance with the display of such illustrations 7 and 8, the card C is transported in the same direction regardless of the transport direction of the card C, and the magnetic field of the card C regardless of the transport direction of the card C. The stripe S and the IC chip T pass through the same position.
[0017]
On the front side of the housing 4 and in the vicinity of the front communication port 5, and on the back surface of the housing 4 and in the vicinity of the back surface communication port 6, the customer-side light emitting unit 9 that is the first light emitting means and the clerk are provided. Side light emitting units 10 are provided. The customer-side light emitting section 9 is provided with a customer-side green LED (Light-Emitting Diode) 11 and a customer-side red LED 12 (both see FIG. 5). The clerk-side light emitting unit 10 is provided with a clerk-side green LED 13 and a clerk-side red LED 14 (both see FIG. 5). The settlement terminal 1 according to the present embodiment causes the LED 11, 12, 13, and 14 to be constantly lit or blinking during card settlement processing, which will be described later, thereby changing the operating state of the settlement terminal 1 to the customer and the store clerk. In the same way, the notification is made.
[0018]
In addition, an operator switch 15 that receives an operation by an operator is provided in the vicinity of the rear communication port 6 of the housing 4 in order to set the operation mode of the payment terminal 1 to each mode of the credit payment mode and the debit card payment mode. It has been. Two operator switches 15 are provided at both ends of the housing 4 with the back surface communication port 6 interposed therebetween. The reason why the two operator switches 15 are provided in this manner is to facilitate the operation of the operator from either the left or right direction of the rear communication port 6.
[0019]
On the upper surface of the housing 4, a keyboard 16 is provided for receiving operations by an operator such as a customer. As shown in FIG. 4, the keyboard 16 has a numeric key 16a ranging from “0” to “9”, an execution key 16b, a cancel key 16c, various function keys 16d, and the like. In the card payment processing described later, since the password number is input by pressing the number keys 16a from “0” to “9”, the number key 16a functions as a password number input means, and the execution key. Since the entered password is confirmed by pressing 16b, the execution key 16b functions as a confirmation means.
[0020]
In the vicinity of the execution key 16b, there is provided an execution key side light emitting unit 17 which is a second light emitting means for emitting light. The execution key side light emitting unit 17 is provided with an execution key side green LED 18. The payment terminal 1 according to the present embodiment always turns on the execution key side green LED 18 during card payment processing, which will be described later, to thereby execute an execution key for the customer after pressing the numeric key 16a corresponding to the password. The user is prompted to press 16b.
[0021]
Further, an LCD (Liquid Crystal Display) 19 is provided behind the keyboard 16 on the upper side of the housing 4, and a support shaft (not shown) connected to the housing 4 via a free stopper (not shown) is used as a rotation center. An LCD unit 20 that is rotatable with respect to the housing 4 is provided. The LCD unit 20 is positioned at an arbitrary position between a prone position where the upper surface continues to the upper surface of the housing 4 and a standing position where the LCD unit 20 stands up with respect to the housing 4 by the function of the free stopper. Various operation guidances and the like are displayed on the LCD 19 of the LCD unit 20 during a card payment process described later.
[0022]
As shown in FIG. 3, a card reader / writer unit 21 is provided inside the housing 4. A card passage 22 is provided in the card reader / writer unit 21, and the front communication port 5 and the rear communication port 6 communicate linearly. The card path 22 is provided with two pairs of rollers 23 and 24 as rotating conveyance bodies facing each other with the card path 22 therebetween. One roller pair 23 is provided on the front communication port 5 side, and the other roller pair 24 is provided on the back communication port 6 side. The roller pairs 23 and 24 are rotationally driven so as to convey the card C in the same direction by a motor 25 (see FIG. 5) provided in the housing 4.
[0023]
The card path 22 is provided with a magnetic card reader 26 (see FIG. 5), which is a magnetic data reading unit for reading data stored in the magnetic stripe S of the card C. Are arranged at positions corresponding to the magnetic stripe S of the card C to be inserted. The card passage 22 is provided with an IC card reader / writer 27 (see FIG. 5) for reading / writing data stored in the IC chip T of the card C. It is disposed at a position corresponding to the IC chip T of the card C inserted according to the display. Here, the IC card reader / writer 27 functions as an IC data reading unit.
[0024]
Further, near the front communication port 5 and the rear communication port 6 of the card passage 22 are a customer side sensor 28 and a store clerk side sensor 29 which are transmission type optical sensors for detecting insertion of the card C, respectively. Is provided. Furthermore, a shutter 30 is provided in the vicinity of the front communication port 5 of the card path 22 so as to be swingable between a blocking position for blocking the card path 22 and an open position for opening the card path 22. Yes. The shutter 30 is connected to a solenoid 31 (see FIG. 5), and is selectively positioned at either the blocking position or the opening position by ON / OFF driving of the solenoid 31.
[0025]
Such a payment terminal 1 includes a main PCB (Printed Circuit Board) 32 and a sub PCB 33 each equipped with various control circuits for driving and controlling each part of the payment terminal 1 inside the bottom cover 2 of the housing 4. It has. The main PCB 32 and the sub PCB 33 are connected to be able to communicate with each other.
[0026]
Next, the electrical connection of each part with which the payment terminal 1 is provided is demonstrated with reference to FIG. As shown in FIG. 5, the payment terminal 1 includes a microcomputer 34, and the microcomputer 34 drives and controls each unit included in the payment terminal 1. The microcomputer 34 is a ROM (Read Only) that stores in advance fixed data such as a control program via a bus line 36 such as an address bus and a data bus in a CPU (Central Processing Unit) 35 that controls driving of each unit in a centralized manner. (Memory) 37 and a RAM (Random Access Memory) 38 that functions as a work area of the CPU 35 by storing variable data in a rewritable manner.
[0027]
In the RAM 38, an insertion / discharge direction setting area (in which the insertion direction and the discharge direction of the card C are set in accordance with each operation mode (credit payment mode, debit card payment mode) of the payment terminal 1 is set in the card payment processing described later ( (Not shown) is secured. For example, the discharge direction of the card C is on the rear communication port 6 side in the credit settlement mode, and on the front communication port 5 side in the debit card settlement mode. The card insertion direction is set on both sides of the front communication port 5 and the rear communication port 6 regardless of the mode. The microcomputer 34 controls driving of each unit based on the setting of the insertion / discharge direction setting area of the RAM 38.
[0028]
A control program is stored in the ROM 37. When the settlement terminal 1 is activated, the control program stored in the ROM 37 is written in the RAM 38, whereby the microcomputer 34 can control the drive of each unit. Each unit that is driven and controlled by the microcomputer 34 will be described next.
[0029]
The operator switch 15 is connected to the bus line 36 via the switch input circuit 39, and inputs a signal corresponding to the switching position to the microcomputer 34 by the operation of the switch input circuit 39. The microcomputer 34 sets the operation mode of the payment terminal 1 to each mode of the credit payment mode and the debit card payment mode according to the output signal of the operator switch 15.
[0030]
The customer-side green LED 11, the customer-side red LED 12, the clerk-side green LED 13, the clerk-side red LED 14 and the execution key side green LED 18 are connected to the bus line 36 via the lighting control circuit 40, and a signal from the microcomputer 34 is lit. When input to 40, lighting / extinguishing is performed according to drive control by the lighting control circuit 40.
[0031]
The keyboard 16 is connected to the bus line 36 via the keyboard input circuit 41, and inputs a signal corresponding to the key pressed by the operation of the keyboard input circuit 41 to the microcomputer 34.
[0032]
The LCD 19 is connected to the bus line 36 via the display control circuit 42. When display data from the microcomputer 34 is input to the display control circuit 42, the LCD 19 is driven by the display control circuit 42 to display predetermined items.
[0033]
The magnetic card reader 26 is connected to the bus line 36 via the magnetic card reader control circuit 43 and inputs a read signal to the microcomputer 34 by the operation of the magnetic card reader control circuit 43.
[0034]
The IC card reader / writer 27 is connected to the bus line 36 via the IC card reader / writer control circuit 44 and inputs / outputs signals to / from the microcomputer 34 by the operation of the IC card reader / writer control circuit 44.
[0035]
The motor 25 is connected to the bus line 36 via the motor drive circuit 45 and is driven to rotate forward and backward by the operation of the motor drive circuit 45 according to the drive signal from the microcomputer 34.
[0036]
The customer side sensor 28 and the store clerk side sensor 29 are connected to the bus line 36 via the sensor input circuits 46 and 47, respectively, and the microcomputer 34 generates a detection signal indicating whether or not the card C is inserted by the operation of the sensor input circuits 46 and 47. To enter.
[0037]
The solenoid 31 is connected to the bus line 36 and is driven ON / OFF according to a drive signal from the microcomputer 34.
[0038]
The payment terminal 1 has a built-in printer 48 and is driven and controlled by the microcomputer 34. The printer 48 is connected to the bus line 36 via the printer control circuit 49. When print data from the microcomputer 34 is input to the printer control circuit 49, the printer 48 is driven by the printer control circuit 49, and is used for a credit slip or a usage statement. Issue.
[0039]
Further, a communication I / F 50 that controls communication with a relay center CAFIS (Credit And Finance Information Switching System) 100 or the like is connected to the microcomputer 34 via a bus line 36. As a result, the payment terminal 1 is connected to the credit company 101 and the bank 102 via the CAFIS 100 via a communication line.
[0040]
Next, a function that the control program stored in the ROM 37 built in the settlement terminal 1 causes the microcomputer 34 to execute will be described. In the present embodiment, the description of the same processing as that performed by the conventional settlement terminal 1 is omitted.
[0041]
A flow of card payment processing, which is a function of the payment terminal 1 of the present embodiment, will be described below. FIG. 6 is a flowchart schematically showing the flow of the card payment process. In the card settlement process, first, the customer-side and clerk-side green LEDs 11 and 13 are always lit, and the customer-side and clerk-side light emitting units 9 and 10 are constantly lit in green (step S1). These customer-side and clerk-side green LEDs 11 and 13 are always lit until the card C is inserted and conveyed in step S5 or step S6 described later. In this way, by making the customer-side and clerk-side light emitting units 9 and 10 always emit light in green, the standby operation is waiting for the customer and the clerk to wait for the current operation state to be inserted and conveyed. Notify that it is in a state.
[0042]
Then, it waits for the input of the payment amount by the key operation of the numeric key 16a of the keyboard 16 (step S2). When the payment terminal 1 is connected to a POS (Point of Sales) terminal or the like and used, the payment amount is input from the POS terminal. If it is determined that a settlement amount has been input by operating the numeric keys 16a of the keyboard 16 (Y in step S2), it is determined whether or not the operator switch 15 has been operated in step S3. This operator switch 15 only needs to be operated before the settlement amount is input.
[0043]
If it is determined that the operator switch 15 has been operated (Y in step S3), the process proceeds to step S4, and whether the operation mode of the payment terminal 1 set by the operation of the operator switch 15 is the credit payment mode or the debit card payment mode. Judging. If the operation mode of the payment terminal 1 is not set (N in step S3), error processing such as displaying a message prompting the operation mode setting on the LCD 19 by operating the operator switch 15 is performed.
[0044]
In the case of the credit settlement mode (Y in step S4), a credit settlement process using a credit card is executed (step S5). In the case of the debit card payment mode (N in step S4), a debit payment process using a cash card is executed (step S6).
[0045]
Here, the credit settlement processing in step S5 will be described based on the flowchart shown in FIG. When executing the credit settlement process, the card passage 22 is based on the change in the output of the customer side sensor 28 or the store clerk side sensor 29 when the card C is inserted into the front communication port 5 or the rear communication port 6 by the store clerk or the customer. The process waits until it is determined that the card C has been inserted (N in step S11). If it is determined that the card C has been inserted into the card path 22 (Y in step S11), the process proceeds to step S12, and the card C pull-in transport process is executed. During this pull-in conveyance process, the lighting of the customer-side and clerk-side green LEDs 11 and 13 is changed from being constantly lit to blinking. As a result, the customer-side and clerk-side light-emitting units 9 and 10 are flashed in green. In this way, by flashing green light on the customer side and the store clerk side light emitting units 9 and 10, the customer and the store clerk are informed that the current operation state is the transport operation state in which the card C is transported. .
[0046]
The card C pull-in and transfer process will be specifically described based on the flowchart shown in FIG. First, based on the output change of the customer side sensor 28 or the store clerk side sensor 29, it is determined which of the customer side sensor 28 or the store clerk side sensor 29 detects the insertion of the card C (step S21).
[0047]
When it is determined that the customer side sensor 28 detects the insertion of the card C into the card path 22 (Y in step S21), the operation of the motor drive circuit 45 causes the front side to the back side (left to right in FIG. 3). The motor 25 is driven to rotate so that the roller pair 23 and 24 rotate in the direction in which the card C is conveyed in the direction (step S22). Hereinafter, the rotation direction of the motor 25 that rotates the roller pairs 23 and 24 in the direction in which the card C is conveyed from the front side to the back side is assumed to be normal rotation. As the roller pairs 23 and 24 rotate forward, the card C inserted into the front communication port 5 is conveyed through the card path 22 from the front side to the back side. The card C is conveyed until the IC chip T of the card C is positioned at the reading position of the IC card reader / writer 27.
[0048]
Although not shown in particular, when it is determined that the rear end of the card C inserted into the card passage 22 has passed through the customer side sensor 28 based on the output change of the customer side sensor 28, the solenoid 31 is turned on and the shutter 30 is turned on. Is positioned at the shut-off position. Thereby, it is possible to prevent another card C from being inserted in a state where the card C already exists in the card passage 22. Thereby, when it is set as operation | use which accept | permits the insertion of the card | curd C from a customer side, it can prevent that the several card | curd C exists in the card path | route 22 at once by mischief.
[0049]
On the other hand, when it is determined that the clerk side sensor 29 has detected the insertion of the card C into the card path 22 (N in step S21), the operation of the motor drive circuit 45 causes the rear side to the front side (right in FIG. 3). The motor 25 is rotationally driven so that the roller pairs 23 and 24 rotate in the direction in which the card C is conveyed from the left to the left (step S23). Hereinafter, the rotation direction of the motor 25 that rotates the roller pairs 23 and 24 in the direction in which the card C is conveyed from the back side to the front side is set to reverse rotation. When the roller pairs 23 and 24 are reversely rotated, the card C inserted into the back surface communication port 6 is conveyed from the back side to the front side. The card C is conveyed until the IC chip T of the card C is positioned at the reading position of the IC card reader / writer 27.
[0050]
Then, when the IC chip T of the card C is transported and positioned at the reading position of the IC card reader / writer 27, as shown in FIG. 7, data stored in the IC chip T by the IC card reader / writer 27 ( A credit card number or the like is read (step S13). During the reading operation of the data stored in the IC chip T, the customer side and clerk side green LEDs 11 and 13 are turned off, and the customer side and clerk side red LEDs 12 and 14 are always lit. Thereby, the customer side and the store clerk side light emission parts 9 and 10 are always light-emitted red. The reading operation in which the current operating state is read from the data stored in the IC chip T to the customer and the store clerk by always causing the customer side and store clerk side light emitting units 9 and 10 to emit light in red as described above. Notify that it is in a state.
[0051]
After the reading of the data stored in the IC chip T in step S13 is completed, a payment process is executed in step S14. During this settlement process, the customer-side green and red LEDs 11, 12 and the clerk-side green LED and red LEDs 13, 14 are always lit. In this way, by combining green and red, the customer-side and clerk-side light-emitting units 9 and 10 always emit light in orange. In this way, the customer-side and clerk-side light emitting units 9 and 10 are always lit in orange, thereby informing the customer and the clerk that the current operation state is the payment processing operation state in which the payment process is being executed. To do.
[0052]
The payment process using the credit card in step S14 is roughly to create credit data based on the data read from the IC chip T (credit card number etc.) and the payment amount input in step S2, The created credit data is transmitted to the credit company 101. The credit company 101 transmits the inquiry result data to the settlement terminal 1 after performing a credit inquiry process such as a credit check and an amount approval on the transmitted credit data. The settlement terminal 1 that has received the inquiry result data issues a credit slip according to the inquiry result data.
[0053]
When the payment process by the credit card in step S14 is completed, the process proceeds to step S15, and the card C discharging and conveying process is executed. In the discharge / conveying process, the roller pair 23, 24 is rotated forward based on the setting of the insertion / discharge direction setting area of the RAM 38, and the card C stopped at the reading position of the IC card reader / writer 27 is passed through the rear communication port 6. To be discharged out of the housing 4. Here, the function as the first conveying means is executed by step S22 and step S15.
[0054]
During the discharging and conveying process, the customer side and clerk side red LEDs 12 and 14 are turned off, and the customer side and clerk side green LEDs 11 and 13 are blinked. As a result, the customer-side and clerk-side light-emitting units 9 and 10 are flashed in green. In this way, by flashing green light on the customer side and the store clerk side light emitting units 9 and 10, the customer and the store clerk are informed that the current operation state is the transport operation state in which the card C is transported. .
[0055]
As described above, the settlement terminal 1 of the present embodiment is installed with the front communication port 5 side of the housing 4 facing the customer side and the back communication port 6 side of the housing 4 facing the store clerk who is the operator. ing. That is, the store clerk can easily receive the card C discharged and conveyed out of the housing 4 through the back surface communication port 6.
[0056]
The clerk then makes the customer's signature on the issued credit slip, and then compares the customer's signature written on the credit slip with the signature written on the card C discharged from the payment terminal 1. After confirming that they match, the card C and credit slip are handed to the customer.
[0057]
That is, according to the payment terminal 1 of the present embodiment, the credit card payment can be made without taking the complicated procedure of handing the card C from the customer to the store clerk and inserting the card C into the payment terminal 1 at the time of credit card payment. It can be carried out. In addition, since the card C is not discharged to the customer side at the time of credit settlement, it is possible to immediately compare the signatures when the credit settlement is completed.
[0058]
Next, the debit payment process in step S6 will be described based on the flowchart shown in FIG. When executing the debit payment processing, as in the case of the credit payment processing, the store clerk or customer inserts the card C into the front communication port 5 or the rear communication port 6 by the store clerk or customer. Wait until it is determined that the card C has been inserted into the card passage 22 based on the output change (N in step S31). When it is determined that the card C has been inserted into the card path 22 (Y in step S31), the process proceeds to step S32, and the card C drawing and conveying process is executed. During this pull-in conveyance process, the lighting of the customer-side and clerk-side green LEDs 11 and 13 is changed from being constantly lit to blinking. As a result, the customer-side and clerk-side light-emitting units 9 and 10 are flashed in green. In this way, by flashing green light on the customer side and the store clerk side light emitting units 9 and 10, the customer and the store clerk are informed that the current operation state is the transport operation state in which the card C is transported. .
[0059]
The card C pull-in conveyance process is performed based on the flowchart of FIG. 8 as in the case of the credit settlement process. In this debit payment process, the card C is conveyed until it is detected by the store clerk side sensor 29.
[0060]
The card C passes through the magnetic card reader 26 as it is conveyed by the roller pair 23, 24. At this time, the data stored in the magnetic stripe S by the magnetic card reader 26 (for debit payment) Bank account number, etc.) is read (step S33). During the data reading process of the IC chip T, the customer-side and clerk-side green LEDs 11 and 13 are turned off, and the customer-side and clerk-side red LEDs 12 and 14 are constantly lit. Thereby, the customer side and the salesclerk side light emission parts 9 and 10 are light-emitted red. In this way, the customer-side and clerk-side light emitting units 9 and 10 emit light in red, thereby reading the data stored in the magnetic stripe S for the current operation state for the customer and the clerk. Notify that it is in a state.
[0061]
After the magnetic data reading operation in step S33 is completed, a settlement process is executed in step S34. During this settlement process, the customer-side green and red LEDs 11, 12 and the clerk-side green LED and red LEDs 13, 14 are always lit. Thereby, the customer side and the store clerk side light emission parts 9 and 10 are always light-emitted in orange. In this way, the customer-side and clerk-side light emitting units 9 and 10 are always lit in orange, thereby informing the customer and the clerk that the current operation state is the payment processing operation state in which the payment process is being executed. To do.
[0062]
The settlement process by the cash card in step S44 is roughly performed by following the guidance displayed on the LCD 19 and the data read from the PIN and the magnetic stripe S input by the key operation of the keyboard 16 by the customer (bank for debit settlement). Debit data is created based on the account number and the payment amount input in step S 2, and the created debit data is transmitted to the bank 102. The bank 102 transmits the debit result data to the payment terminal 1 after subtracting the payment amount from the balance of the corresponding account based on the transmitted debit data. The settlement terminal 1 that has received the withdrawal result data issues a usage statement slip according to the withdrawal result data.
[0063]
In the input of the personal identification number by the key operation of the keyboard 16 by the customer in the settlement process, the personal identification number is confirmed by pressing the execution key 16b after the numeric key 16a corresponding to the personal identification number is pressed. By depressing the execution key 16b, the customer's intention to pay is confirmed. In the password input process, an execution key pressing prompt process shown in the flowchart of FIG. 10 is executed. The execution key pressing prompting process first waits for input of a personal identification number by the key operation of the customer's numeric key 16a (N in step S41). When it is determined that the password has been input by the key operation of the customer's numeric key 16a (Y in step S41), the execution key side green LED 18 is always lit, and the execution key side light emitting unit 17 is always green. Light is emitted (step S42). As described above, the execution key side light emitting unit 17 always emits light in green, thereby prompting the customer to press the execution key 16b after pressing the numeric key 16a corresponding to the password. Here, the function of the prompting means is executed in step S42. If it is determined that the execution key 16b has been pressed (Y in step S43), the execution key side green LED 18 is turned off to stop the execution key side light emitting unit 17 from emitting light (step S44).
[0064]
When the payment process using the cash card in step S34 is completed, the process proceeds to step S35, and the card C discharge / convey process is executed. In this discharging and conveying process, the solenoid 31 is turned off to position the shutter 30 in the open position, and the roller pairs 23 and 24 are reversely rotated based on the setting of the inserting / discharging direction setting area of the RAM 38 to set a predetermined position in the card path 22. Then, the card C that has been stopped is discharged to the outside of the housing 4 through the front communication port 5. Here, the function as the second conveying means is executed in steps S23 and S35.
[0065]
During this discharging and conveying process, the green LEDs 11 and 13 on the customer side and on the clerk side are blinked. As a result, the customer-side and clerk-side light-emitting units 9 and 10 are flashed in green. In this way, by flashing green light on the customer side and the store clerk side light emitting units 9 and 10, the customer and the store clerk are informed that the current operation state is the transport operation state in which the card C is transported. . Here, the function as a notification means is performed by step S1, step S12-step S15, and step S32-step S35.
[0066]
As described above, the settlement terminal 1 of the present embodiment is installed with the front communication port 5 side of the housing 4 facing the customer side and the back communication port 6 side of the housing 4 facing the store clerk who is the operator. ing. That is, the customer can easily receive the card C discharged and conveyed out of the housing 4 through the front communication port 5.
[0067]
That is, according to the payment terminal 1 of the present embodiment, the debit payment is performed without taking the complicated procedure of handing the card C to the store clerk at the time of debit payment and inserting the card C into the payment terminal 1 by the store clerk. It can be carried out.
[0068]
Moreover, according to the payment terminal 1 of this Embodiment, since a salesclerk does not touch the card | curd C unnecessarily long, the improvement from the viewpoint of fraud prevention can be aimed at.
[0069]
Moreover, according to the payment terminal 1 of this Embodiment, the card | curd C handed over from the customer can be inserted from the salesclerk side, without performing switching operation of a conveyance direction.
[0070]
Further, according to the settlement terminal 1 of the present embodiment, the customer and the store clerk emit the current operation by causing the customer side and store clerk side light emitting units 9 and 10 to emit light according to the current operation state in the settlement terminal 1. The state can be notified. Thereby, both a salesclerk and a customer can recognize an operation state.
[0071]
In the payment terminal (card processing device) 1, the current operation state indicated by the notification unit includes a standby operation state in which the card C is transported by the first transport unit or the second transport unit, and the first operation state. The transport operation state in which the card C is transported by the transport means or the second transport means, the reading of data stored in the magnetic stripe S by the magnetic card reader (magnetic data reading unit) 26, or the IC card reader / writer ( The IC data reading unit 27) reads the data stored in the IC chip T, and the reading operation state is one of the operation states. Can be notified. As a result, the store clerk knows whether or not the customer has inserted the card C, while the customer knows whether or not the handed card C has been inserted. Further, both the store clerk and the customer can recognize the operation state, and it is possible to prevent a plurality of cards C from being erroneously inserted at one time.
[0072]
Since the payment terminal (card processing device) 1 is provided with a customer side light emitting unit (first light emitting unit) 9 and a store clerk side light emitting unit (first light emitting unit) 10 respectively on the front and back sides, And the present operation state can be reliably notified to the store clerk.
[0073]
Further, according to the settlement terminal 1 of the present embodiment, it is possible to prompt the customer to confirm the personal identification number by prompting the customer after pressing the numeric key 16a corresponding to the personal identification number to press the execution key 16b. .
[0074]
The payment terminal (card processing device) 1 includes a numeric key (password number input means) 16a for inputting a password for payment, an execution key (fixing means) 16b for determining the input password, and an execution key 16b. And an execution key side light emitting unit (second light emitting unit) 17 that is provided in the vicinity of the light source, and a prompting unit that prompts the user to confirm the personal identification number using the execution key 16b by controlling the light emission of the execution key side light emitting unit 17. , It is possible to prevent the customer from forgetting to confirm the personal identification number using the execution key 16b, and the settlement can be performed smoothly.
[0075]
In the present embodiment, the setting of the insertion / discharge direction setting area of the RAM 38 is set to the rear communication port 6 side in the credit payment mode, while the card C discharge direction is set in the debit card payment mode. In this case, the front communication port 5 side is used, and the insertion direction of the card C is set to both sides of the front communication port 5 and the rear communication port 6 regardless of the mode. However, the present invention is not limited to this and may be set according to the operation. It ’s fine.
[0076]
In the present embodiment, an example in which the LEDs 11, 12, 13, 14, and 18 are provided in the customer side light emitting unit 9, the store clerk side light emitting unit 10, and the execution key side light emitting unit 17 as light emitting means for emitting light has been described. However, it is not limited to this. For example, a light bulb or the like may be provided instead of the LEDs 11, 12, 13, 14, 18 to cause the light emitting units 9, 10, 17 to emit light.
[0077]
In the present embodiment, the example in which the customer side light emitting unit 9 and the store clerk side light emitting unit 10 are provided as the first light emitting means has been described. However, the present invention is not limited to this. For example, a single light emitting unit may be provided in the upper part of the housing 4 so that the current operation state can be shown to the customer side and the store clerk side.
[0078]
【The invention's effect】
According to the present invention, a card can be inserted from any opening on the front or back side of the card processing apparatus, and when the card is inserted from any opening on the front or back side, the magnetic force in the card transport direction can be Since the position of the magnetic stripe or IC chip with respect to the data reading unit or the IC data reading unit can be made equal, for example, according to the type of data stored in the card like a conventional card processing device when making a settlement Thus, an electronic settlement suitable for the type of data stored in the card can be executed without performing a complicated operation such as changing the installation direction of the card processing device. In addition, by making the magnetic stripe or IC chip position equal to the magnetic data reading unit or IC data reading unit in the card transport direction, the data stored in the card by the single magnetic data reading unit or IC data reading unit Since it can be read, the apparatus can be miniaturized. In addition, the current operation state can be notified to the customer and the store clerk.
[Brief description of the drawings]
FIG. 1 is a perspective view schematically showing a settlement terminal according to an embodiment of the present invention as viewed from the front side.
FIG. 2 is a perspective view schematically showing a state in which the payment terminal is viewed from the back side.
FIG. 3 is a longitudinal side view schematically showing a payment terminal.
FIG. 4 is a plan view showing a keyboard.
FIG. 5 is a block diagram showing an electrical connection of each unit included in the payment terminal.
FIG. 6 is a flowchart showing a flow of card payment processing.
FIG. 7 is a flowchart showing a flow of credit settlement processing.
FIG. 8 is a flowchart showing a flow of a card drawing and conveying process.
FIG. 9 is a flowchart showing a flow of debit settlement processing.
FIG. 10 is a flowchart showing an execution key pressing prompt process.
FIG. 11 is a perspective view showing a conventional card processing apparatus.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Card processing apparatus (payment terminal), 4 ... Housing | casing, 5 ... Opening part (front communication port), 6 ... Opening part (back surface communication port), 9 ... 1st light emission means (customer side light emission part), 10 ... 1st light emission means (clerk side light emission part), 16a ... PIN number input means (numerical key), 16b ... confirmation means (execution key), 17 ... 2nd light emission means (execution key side light emission part), 22 ... Card path, 26 ... Magnetic data reader (magnetic card reader), 27 ... IC data reader (IC card reader / writer), C ... Card, S ... Magnetic stripe, T ... IC chip

Claims (2)

A housing provided with a pair of slit-like openings on the front and back surfaces;
A card path provided inside the housing and communicating with the pair of openings;
A first transport means for transporting a card having at least one of a magnetic stripe and an IC chip from the front side toward the back side in the card path;
Second conveying means for conveying the card from the back side to the front side in the card path;
The data stored in the magnetic stripe of the card transported in the card path by the first transport means and the same direction as the card transported in the card path by the first transport means A magnetic data reader for reading the data stored in the magnetic stripe of the card carried in the card path by the second conveying means;
Data stored in the IC chip of the card transported to the reading position by the first transporting means and the second transport in the same direction as the card transported to the reading position by the first transporting means An IC data reading unit for reading data stored in an IC chip of the card conveyed to a reading position by means;
A first light emitting means provided on each of the front and back surfaces of the housing for emitting light;
By controlling the light emission of the first light emitting means provided respectively on the front and back surfaces of the housing, the card is waiting to be conveyed by the first conveying means or the second conveying means. A standby operation state, a transport operation state in which the card is transported by the first transport unit or the second transport unit, and reading of data stored in the magnetic stripe by the magnetic data reading unit or the Informing means for distinguishing from the reading operation state in which the data stored in the IC chip is read by the IC data reading unit and shown on the front side and the back side of the housing;
A card processing apparatus comprising: A password input means for inputting a password for settlement;
Confirming means for confirming the entered password;
A second light emitting means provided in the vicinity of the determining means for emitting light;
A prompting means for prompting confirmation of a personal identification number using the confirmation means by controlling light emission of the second light emission means;
Card processing apparatus according to claim 1, further comprising a.

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