JP2000163465A - Portable card processing terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a portable card processing terminal which can shorten time of a process for matching and settlement of accounts. SOLUTION: This card processing terminal is characterized by that its terminal main body 5 is equipped with a card read part 3 which reads held data out of a data storage card and a communication part 2 which communicates with an administration center holding decision data needed to decide whether the data storage card is usable or unusable. No memory card is needed and the cost can be reduced. No memory card is neither inserted nor extracted to improve the usability.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable storage device used for collating whether a data storage card such as an IC card or a magnetic card is usable or unusable, and for making a payment with the collated data storage card. The present invention relates to a card processing terminal.

[0002]

2. Description of the Related Art Conventionally, data storage cards such as IC cards and magnetic cards have been distributed as credit cards, prepaid cards, and the like, and the data storage cards have been used for settlement of purchases of products and the like. When making a payment with a data storage card, it is necessary to check whether the data storage card used is usable or unusable. A card processing terminal for verifying storage cards has been installed, but recently,
A portable card processing terminal such as an on-vehicle type has been proposed which can be carried by a seller so that a data storage card can be collated outside a store. This portable card processing terminal is composed of a memory card that can read and write data and a terminal body that reads and writes data to and from the memory card. And a card reading section for reading the held data held in the data storage card.

[0003] A memory card records and retains data necessary for collating whether a data storage card is usable or unusable as judgment data (negative data). The used card number, the card number for which a loss report has been issued, and the like are held as determination data. The retained data is unique data that differs for each data storage card,
The information is stored in the C portion or the magnetic portion, and includes, for example, a card number assigned to the data storage card and the expiration date of the data storage card.

[0004] When a portable card processing terminal as described above verifies a data storage card, a memory card is first inserted into a slot of the portable card processing terminal. Next, the data stored in the data storage card to be used is read by the card reading unit of the portable card processing terminal. Thereafter, the control operation unit built in the portable card processing terminal compares the judgment data of the memory card with the data held in the data storage card. In this verification, for example, it is searched whether or not the card number of the read data storage card is included in the card number of the determination data. If the card number of the read data storage card is not included in the card number of the determination data and it is determined that the data storage card is usable, the available lamp provided on the portable card processing terminal is turned on. If the card number of the read data storage card is included in the card number of the determination data and it is determined that the data storage card is unusable, the unusable lamp provided in the portable card processing terminal is turned on. Whether the data storage card used in this way is usable or unusable is checked, and the result of the check is notified to the seller.

[0005] Further, when the payment is made by the portable card processing terminal as described above, after verifying the data storage card, the price of the product, the name of the product, and the like are entered by using a key or the like provided on the terminal itself. The price of the product, the name of the product, and the like are written and stored in the memory card as use data. At this time, the data held by the used data storage card is also written and stored in the memory card. In this way, the seller can make a payment with the data storage card even outside the store.

[0006] The memory card used for settlement as described above is brought back to the store and put on a tallying terminal installed in the store. You. Thereafter, the aggregated usage data and retained data are sent to the data storage card issuing company such as a credit company by communication using a telephone line or the like. The latest judgment data is obtained, and this judgment data is written and stored in a memory card. Note that acquisition of the latest determination data can be performed at any time, not only when the aggregated usage data and retained data are sent.

[0007]

However, in the above-mentioned portable card processing terminal, a memory card must be inserted into and removed from the terminal body every time verification or settlement is performed (batch processing). It takes a long time to perform this operation.

[0008] The present invention has been made in view of the above points, and has as its object to provide a portable card processing terminal capable of shortening the collation and settlement processing.

[0009]

A portable card processing terminal A according to a first aspect of the present invention comprises: a card reading unit 3 for reading held data held on a data storage card 1;
The terminal main body 5 is provided with a communication unit 2 for communicating with a management center 40 holding determination data necessary for determining whether the data storage card 1 is usable or unusable. It is assumed that.

[0010]

Embodiments of the present invention will be described below.

FIG. 2 shows a portable card processing terminal A.
The portable card processing terminal A is obtained by adding a function of reading stored data held in the data storage card 1 to a communication function of a mobile phone or a PHS.

The terminal main body 5 is formed of a synthetic resin or the like in a box shape, and a display unit 10 is provided on the front surface thereof so as to be exposed. The display unit 10 displays a telephone number, a display of a usage fee and a display indicating that verification is being performed, and indicates whether the data storage card 1 to be used is usable (OK) or unavailable (NG). It performs display and the like, and includes, for example, a light emitting diode (LED) and a liquid crystal display (LCD). A data input unit 11 composed of numeric keys is provided on the front of the terminal main body 5. The data input unit 11 is operated so that a usage fee can be input and a telephone number can be input. Have been. In addition, a setting key 30 for performing various settings, a power key 31 for turning on / off the power, an off-hook key 32, and the like are provided on the front of the terminal body 5.

A print data output unit 15 is provided on a side surface of the terminal main body 5, and sends print data to a separate printer 21 from the terminal unit 5 by a wireless method such as IrDA.
The printer 21 receives the print data from the print data output unit 15 and prints the usage statement 13 and the like, and may employ a thermal transfer system, an impact printing system, or the like. The terminal body 5 has a groove 17 formed on the side and bottom thereof.
By inserting and moving the data storage card 1 into the terminal, the data stored in the data storage card 1 can be read by the card reading unit 3 of the terminal body 5. An antenna 7 for transmitting and receiving radio waves is protrudingly provided on an upper surface of the terminal body 5, and a terminal insertion portion 33 into which a terminal of a charger is inserted is provided on a bottom surface of the terminal body 5.

FIG. 1 is a block diagram showing the configuration of the portable card processing terminal A. A control unit 4 controls the entire portable card processing terminal A. A communication unit 2 is electrically connected to the control unit 4 and the antenna 7, and communicates with the management center 40 by a contactless method such as IrDA, mobile phone, PHS, and MAC (media access control) wireless. Is what you do. Reference numeral 22 denotes a storage unit, which is electrically connected to the control unit 4 and stores a telephone number and the like. The storage unit 22 includes an SRAM (static random access memory), an FROM (flash ROM), and the like. can do. Reference numeral 3 denotes a card reading unit, which is electrically connected to the control unit 4 and reads stored data held in an IC portion or a magnetic portion of the data storage card 1 in a contact or non-contact manner.

The display unit 10 is electrically connected to the control unit 4. Reference numeral 11 denotes the data input unit, which is electrically connected to the control unit 4. The print data output unit 15 is electrically connected to the control unit 4. Reference numeral 20 denotes a power supply unit, which is electrically connected to the control unit 4 and the terminal insertion unit 33, and has a power supply for operating the portable card processing terminal A. The power supply unit 20 may be one that is charged by a contact or non-contact charging method or a battery type such as a dry battery.

The collation of the data storage card 1 using the portable card processing terminal A as described above is performed as follows. First, after turning on the power of the portable card processing terminal A, the data storage card 1 to be used is inserted into the groove 17 from one end, and the other end of the groove 17 is inserted with the inserted data storage card 1 inserted. , The data stored in the data storage card 1 is read by the card reading unit 3. Next, the held data read by the card reading unit 3 is sent to the control unit 4, and then sent from the control unit 4 to the communication unit 2. Then, the communication unit 2 performs modulation processing and the like on the held data and enters a transmittable state.

Next, the seller calls the management center 40. The management center 40 includes an electronic computer or the like that holds determination data necessary for determining whether the data storage card 1 is usable or unusable, and a telephone is connected to the electronic computer. ing. Next, as shown in FIG. 3, a radio wave having retained data is transmitted from the portable card processing terminal A to the computer of the management center 40 via the antenna 7. Thereafter, the possession data is demodulated from the transmitted radio wave, and then the computer checks the judgment data against the transmitted possession data of the data storage card 1. In this comparison, for example, it is searched whether or not the card number of the read data storage card 1 exists in the card number of the determination data.

If the card number of the read data storage card 1 is not included in the card number of the determination data, and it is determined that the data storage card 1 can be used, the management center 40 transmits the data to the portable card processing terminal A. The usable data is transmitted as the collation result, and the control unit 4 controls the control unit 4 to turn on a lamp indicating that the display unit 10 of the portable card processing terminal A is usable. On the other hand, when the card number of the read data storage card 1 is included in the card number of the determination data, and it is determined that the data storage card 1 is unusable, the management center 40 checks with the portable card processing terminal A. As a result, the unusable data is transmitted, and the control unit 4 controls the control unit 4 to turn on a lamp indicating that the display unit 10 of the portable card processing terminal A is unusable. Whether the data storage card 1 used in this way is usable or unusable is collated, and the result of the collation is notified to the seller.

Further, the settlement in the data storage card 1 using the portable card processing terminal A as described above is performed as follows. First, the data storage card 1 is collated as described above. Next, the data input unit 11
Enter the usage fee from. The input usage fee is sent to the control unit 4, where it is determined whether or not the input usage fee is normal. If the usage fee is determined to be normal, the usage fee is displayed on the display unit 10. On the other hand, when it is determined that the input usage fee is abnormal, the usage fee is input again. This re-input of the usage fee is repeated until a normal usage fee is input. Thereafter, the usage data such as the usage fee is transmitted to the computer of the management center 40 and processed by the computer. Thereafter, the telephone is disconnected, and then the data input unit 1
The printing start command is input to the control unit 4 from 1 and the usage statement 13 is printed by the printer 21.

As described above, in the portable card processing terminal A of the present invention, the collation of the data storage card 1 and the settlement using the data storage card 1 are performed by communication with the management center 40. In addition, the data storage card 1 can be collated on the spot to prevent unauthorized use of the data storage card 1 and to perform settlement using the data storage card 1, and the judgment data used at that time is managed. Since the use data is stored in the center 40 and the use data is transmitted to the management center 40 by telephone, a memory card for holding the judgment data and the use data is not required, and the cost can be reduced. Usability is improved because there is no insertion / removal work.

[0021]

As described above, according to the first aspect of the present invention, a card reading section for reading stored data held in a data storage card, and whether the data storage card can be used or not can be determined. Since the terminal unit has a communication unit for communicating with a management center for holding determination data necessary for determination, the data held on the data storage card is transmitted to the management center by communication by the communication unit, and the management center Since the data storage card is collated, the data storage card can be collated on the spot even outside the store to prevent unauthorized use of the data storage card, and the judgment data used in that case is managed. Usage data that is held in the center and generated by the use of the data storage card is transmitted to the management center by communication, so that judgment data and usage Are those cost can be reduced not require a memory card to hold the chromatography data, yet in which usability without such insertion and removal operations of the memory card is improved.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating an example of an embodiment of the present invention.

FIG. 2 is a perspective view of the same.

FIG. 3 is an explanatory diagram showing the operation of the above.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Data storage card 2 Communication part 3 Card reading part 5 Terminal body 40 Management center

Claims (1)

[Claims] 1. A card reading unit for reading held data held in a data storage card, and a management center for holding judgment data necessary for judging whether the data storage card is usable or unusable. A portable card processing terminal, comprising: a communication unit for performing communication in a terminal body.