JP2003196594A - Card processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make a countermeasure against a trouble quickly adoptable by a store clerk, when the trouble is recognized in a data read by a card reader. <P>SOLUTION: Card settlement is conducted by inserting/discharging a card to/from the card reader 14 from both a processor front face side and its backface side, and by specifying a conveying direction in response to a classification of the card settlement. When a trouble is recognized in the data read by the card reader 14, the card in which the trouble is recognized in the data is conveyed to an inserting/discharging port 6 positioned in the processor backface side, irrespective of the specified card-conveying direction. The card in which the trouble is recognized in the data read by the card reader 14 is discharged thereby from the inserting/discharging port 6 positioned in the processor backface side, with the proviso that a processor front face is installed to be directed to a customer side, and that a processor backface is installed to be directed to a clerk side, and the countermeasure against the trouble can be thereby adopted quickly by the store clerk. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card processing device for reading data containing unique information of the card recorded on a card with a card reader and performing card settlement according to the read data.

[0002]

2. Description of the Related Art Today, payment using various cards (credit cards, cash cards used for debit card payment, IC cards equipped with electronic money, etc.) that function as payment means instead of cash is widely used.

Therefore, as shown in FIG. 8, in a store or the like for making electronic payment using such various cards,
A card processing device 100 for reading data stored in a magnetic stripe such as a cash card used for credit card or debit card settlement, an IC card equipped with electronic money, a cash card used for credit card or debit card settlement, etc. It is necessary to install the card processing device 101 or the like which reads / writes the data stored in the IC chip and permits the input of the personal identification number. However, as shown in FIG. 8, a plurality of types of card processing devices 100, to support various cards (credit card, cash card used for debit card payment, IC card equipped with electronic money, etc.)
When installing 101 in a store, a large installation space is required.

Therefore, in recent years, the development of a card processing device capable of dealing with payment processing by various cards (credit card, cash card used for debit card payment, IC card equipped with electronic money, etc.) in one unit. Is progressing.

[0005]

By the way, at the time of credit settlement, a clerk inserts a credit card received from a customer into a card processing device and returns it to the customer when all processing such as confirmation of a signature is completed. It is operating.

On the other hand, at the time of debit card payment, it is not necessary for the clerk to receive the cash card from the customer because the signature is not required to be confirmed, so that the payment can be completed without the clerk touching the cash card. ing.

Therefore, in order to solve the problem of the installation space, a single card can deal with payment processing by various cards (credit card, cash card used for debit card payment, IC card equipped with electronic money, etc.). In the processing device, payment 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.

However, if payment is made by changing the installation direction of the card processing device (the reading direction of the card) according to the type of data stored in the card, the work becomes complicated and the practicability is poor.

If the cash card used for the debit card payment is expired or has a magnetic defect when the card processing device is installed in a different direction (card reading direction) for the payment, the customer is not allowed to pay. You have to hand over the card that was ejected to the store clerk. Furthermore, if the payment direction is changed by changing the installation direction of the card processing device (card reading direction), the cash card used for debit card payment may be expired or have a magnetic defect, etc.
It is also conceivable that the customer may wait for the processing to end without recognizing that the card has a defect such as an expiration or a magnetic defect.

An object of the present invention is to provide a card processing device which enables a store clerk to promptly take measures against a defect when the data read by a card reader has a defect.

[0011]

The card processing device of the present invention is a card processing device for reading data containing the unique information of the card recorded on a card by a card reader and performing card settlement according to the read data. ,
A pair of card insertion / ejection ports provided on the front side of the device and on the back side of the device, which form a part of the transportation path of the card to the card reader, and the card for the card reader according to the type of the card payment. If a problem is found in the data read by the card reader and the card transport direction defining means that defines the transport direction of the card, regardless of the card transport direction defined by the card transport direction defining means, the card The transport direction defining means for regulating the transport direction of the card to the card insertion / ejecting port located on the rear side of the device, and the card transport direction regulating means or the transport direction regulating means for the fault during card settlement. A card carrying means for carrying the card according to the carrying direction of the card,
Equipped with.

Therefore, card insertion / ejection is allowed from both sides of the device front side and device back side to the card reader, and the card carrying direction is defined according to the type of card payment, and card payment is performed. . Also,
If a problem is found in the data read by the card reader, regardless of the specified card conveyance direction, the card with the data defect is conveyed to the card insertion / ejection slot located on the rear side of the device. It As a result, if the device is installed with the front of the device facing the customer and the back of the device facing the store clerk who is the operator, the card with the data read by the card reader found to be defective will not be It will be ejected from the card insertion / ejection slot.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to FIGS. The present embodiment is an example in which a payment terminal is applied as a card processing device.

FIG. 1 is an external perspective view schematically showing the payment terminal 1 viewed from the front side, FIG. 2 is an external perspective view schematically showing the payment terminal 1 viewed from the rear side, and FIG. It is the vertical section side view.

The settlement terminal 1 includes a box-shaped bottom cover 2 and
It has a main body casing 4 constituted by a top cover 3 provided on the upper side of the bottom cover 2. The front surface of the body casing 4 (the front side in FIG. 1 is the front side).
Is provided with a front communication port 5 that has a slit shape that is long in the horizontal direction and communicates the inside and outside of the main body casing 4 and is a card insertion / ejection port for inserting / ejecting the card C. . On the other hand, as shown in FIG. 2, on the back surface of the main body casing 4, a slit shape that is long in the horizontal direction is provided to communicate the inside and the outside of the main body casing 4, and the card C is inserted like the front communication port 5. A back communication port 6 which is a card insertion / ejecting port for ejecting is provided. In addition,
The rear surface communication port 6 is positioned so that the height from the installation surface of the main body casing 4 is the same as that of the front surface communication port 5. That is, although the details will be described later, the payment terminal 1 of the present embodiment is configured so that the card C can be inserted / discharged bidirectionally via the front communication port 5 and the rear communication port 6. The payment terminal 1 of the present embodiment is installed with the front side communication port 5 side of the main body casing 4 facing the customer side and the back side communication port 6 side of the main body casing 4 facing the store clerk who is the operator. is there.

[0016] Here, the settlement terminal 1 through the front communication port 5
The card C to be inserted / discharged 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 50 as shown in FIG. The magnetic stripe S stores customer data such as the bank account number of the customer who owns this card, the personal identification number set when the account was opened, and the expiration date. The IC chip 50 stores customer data such as a credit card number and a personal identification number.

An illustration 7 for guiding the insertion direction of the card C is provided near the front communication port 5 of the main body casing 4. The illustration 7 guides the insertion direction of the card C so that the card C is inserted in the same direction as the direction indicated by the mark such as an arrow. An illustration 8 for guiding the insertion direction of the card C is also provided near the rear surface communication port 6 of the main body casing 4. The illustration 8 guides the insertion direction of the card C so that the card C is inserted in a direction opposite to the direction indicated by a mark such as an arrow attached to the card C. When the card C is inserted according to the display of the illustrations 7 and 8 as described above, the magnetic stripe S of the card C and the IC chip 50
And will pass the same position.

Further, LEDs 9 are provided near the front communication port 5 and the rear communication port 6 of the main body casing 4, respectively. The settlement terminal 1 of the present embodiment is capable of notifying an operator such as a customer or a store clerk of the operating state of the settlement terminal 1 by lighting or blinking these LEDs 9.

In addition, the rear surface communication port 6 of the body casing 4
An operator switch 10 for accepting an operation by an operator is provided near the to set the operation mode of the payment terminal 1 to each of a credit payment mode and a debit card payment mode. Two operator switches 10 are provided at both ends of the main body casing 4 with the rear surface communication port 6 interposed therebetween. The two operator switches 10 are provided in this manner in order to facilitate the operator's operation from either the left or right direction of the rear communication port 6.

A keyboard 11 is provided on the upper surface of the main body casing 4 for receiving an operation by an operator such as a customer. The keyboard 11 is arranged with numeric keys "0" to "9", an enter key, a cancel key, various function keys, and the like. In the card settlement processing described later, the settlement amount is input by operating the number keys from "0" to "9", so the number key functions as a settlement amount input means.

An LCD (Liquid Crystal Displa) is provided on the rear side of the keyboard 11 above the body casing 4.
y) 13 which is rotatable with respect to the main body casing 4 about a support shaft (not shown) connected to the main body casing 4 via a free stopper (not shown) as a rotation center.
A CD unit 12 is provided. LCD unit 1
Due to the function of the free stopper, 2 is positioned at an arbitrary position between the horizontal position where the upper surface is continuous with the upper surface of the main body casing 4 and the standing position which stands upright with respect to the main body casing 4. On the LCD 13 of the LCD unit 12, various operation guidances and the like are displayed at the time of card payment processing described later.

As shown in FIG. 3, a so-called self-propelled card reader / writer portion 14 is provided inside the main body casing 4. The card reader / writer unit 14 is provided with a card passage 18, which linearly connects the front communication port 5 and the rear communication port 6. That is, the front communication port 5, the rear communication port 6, and the card passage 18 form a card transport path. The card passage 18 is provided with two pairs of rollers 21 and 22 which are opposed to each other with the card passage 18 in between and serve as a rotary carrier. One roller pair 2
1 is provided on the front communication port 5 side, and the other roller pair 22 is provided on the rear communication port 6 side. Roller pair 2
The motors 1 and 22 are provided in the main body casing 4.
3 (see FIG. 4), the card C is rotationally driven so as to convey the card C in the same direction.

A magnetic card reader 19 (see FIG. 4) for reading the data stored in the magnetic stripe S of the card C is provided in the card passage 18 and is inserted according to the display of the illustrations 7 and 8. The card C is arranged at a position corresponding to the magnetic stripe S. Further, the card passage 18 is provided with an IC card reader / writer 20 (see FIG. 4) for reading / writing data stored in the IC chip 50 of the card C. I of card C inserted according to the display
It is arranged at a position corresponding to the C chip 50.

Further, in the vicinity of the front communication port 5 and the rear communication port 6 of the card passage 18, a customer side sensor 24 and a salesclerk side sensor which are transmissive optical sensors for detecting the insertion of the card C. 25 are provided respectively. Furthermore, in the vicinity of the front communication port 5 of the card passage 18, there is provided a shutter 26 that is swingable between a blocking position for blocking the card passage 18 and an open position for opening the card passage 18. There is. The shutter 26 is
The solenoid 27 is connected to the solenoid 27 (see FIG. 4) and is selectively positioned at either the cutoff position or the open position by the ON / OFF drive of the solenoid 27.

Such a payment terminal 1 has a main PCB (P) equipped with various control circuits for driving and controlling the respective parts of the payment terminal 1 inside the bottom cover 2 of the body casing 4.
The printed circuit board 28 and a sub PCB 29 are provided. Main PCB 28 and sub P
The CB 29 is communicatively connected to each other.

Next, the electrical connection of each unit of the payment terminal 1 will be described with reference to FIG. As shown in FIG. 4, the payment terminal 1 includes a microcomputer (Microcomput).
er: hereinafter referred to as a microcomputer) 30. The microcomputer 30 drives and controls each unit included in the payment terminal 1. The microcomputer 30 centrally controls the drive of each part.
A ROM (Read On) that stores fixed data such as a control program in advance in a PU (Central Processing Unit) 31 via a bus line 32 such as an address bus and a data bus.
memory 33 and a RAM (R) that functions as a work area for the CPU 31 by rewritably storing variable data.
andom Access Memory) 34 is connected.

In the RAM 34, the insertion / ejection direction in which the insertion direction and the ejection direction of the card C corresponding to each operation mode (credit payment mode, debit card payment mode) of the payment terminal 1 are set in the card payment process described later. A setting area (not shown) is secured. For example, in the credit payment mode, the insertion direction of the card C is the front communication port 5 side, and the ejection direction of the card C is the rear communication port 6 side.
On the other hand, in the case of the debit card payment mode, the card C
Is inserted in the front communication port 5 side, and the card C is ejected in the front communication port 5 side. And the microcomputer 30 is a RAM
Each part is driven and controlled based on the setting of the insertion / ejection direction setting area 34. Here, a card carrying direction defining means is realized.

The stolen card information database (not shown) is provided in the RAM 34. This stolen card information database stores the card number of the stolen card and the like. The card number and the like of the stolen card stored in this stolen card information database is the keyboard 11
May be input, or when the settlement terminal 1 is used by being connected to a POS (Point of Sales) terminal or the like, it may be input from the POS terminal. Further, as will be described in detail later, it may be input from a computer of the credit company Y or a computer of the bank Z through a communication line.

A control program is stored in the ROM 33, and when the settlement terminal 1 is started up, the control program stored in the ROM 33 is written in the RAM 34, which enables the microcomputer 30 to control driving of each unit. The respective parts whose drive is controlled by the microcomputer 30 will be described below.

The operator switch 10 is connected to the bus line 32 via the switch input circuit 35, and inputs a signal according to the switching position to the microcomputer 30 by the operation of the switch input circuit 35. The microcomputer 30 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 10.

The LED 9 is connected to the bus line 32 via the lighting control circuit 36, and when a signal from the microcomputer 30 is input to the lighting control circuit 36, the LED 9 is turned on / off according to drive control by the lighting control circuit 36. .

The keyboard 11 is a keyboard input circuit 3
It is connected to the bus line 32 via 7 and inputs to the microcomputer 30 a signal corresponding to the key pressed by the operation of the keyboard input circuit 37.

The LCD 13 is connected to the bus line 32 via the display control circuit 38. When the display data from the microcomputer 30 is input to the display control circuit 38, the LCD 13 is driven by the display control circuit 38 to display predetermined items. .

The magnetic card reader 19 is connected to the bus line 32 via a magnetic card reader control circuit 39, and the microcomputer 3 is operated by the operation of the magnetic card reader control circuit 39.
Input the read signal for 0.

The IC card reader / writer 20 is connected to the bus line 3 via the IC card reader / writer control circuit 40.
2 is connected to the IC card reader / writer control circuit 40
With the operation of, signals are input to and output from the microcomputer 30.

The motor 23 is connected to the bus line 32 via the motor drive circuit 41, and is driven to rotate normally and reversely by the operation of the motor drive circuit 41 in response to the drive signal from the microcomputer 30.

Customer side sensor 24 and shop assistant side sensor 25
Are connected to the bus line 32 via the sensor input circuits 42 and 43, respectively, and input a detection signal indicating whether or not the card C is inserted to the microcomputer 30 by the operation of the sensor input circuits 42 and 43.

The solenoid 27 is connected to the bus line 32 and turned on in response to a drive signal from the microcomputer 30.
/ OFF is driven.

Further, the settlement terminal 1 has a printer 45 built therein and is driven and controlled by the microcomputer 30.
The printer 45 is connected to the bus line 32 via the printer control circuit 46, and when print data from the microcomputer 30 is input to the printer control circuit 46, the printer 45 is driven to drive a credit slip or a usage statement. To issue.

Further, the microcomputer 30 has a relay center CAFIS (Credit And Finance Information Swi).
A communication I / F 44, which controls communication with the tching system) X and the like, is connected via the bus line 32. This allows
The settlement terminal 1 is connected to the computer of the credit company Y and the computer of the bank Z by a communication line via the CAFISX.

Here, the ROM 3 built in the settlement terminal 1
The function that the control program stored in 3 causes the microcomputer 30 to execute will be described. In the present embodiment, description of the same processing as the processing performed by conventional payment terminal 1 will be omitted.

Next, the flow of card payment processing, which is a characteristic function of the payment terminal 1 of the present embodiment, will be described below. Here, FIG. 5 is a flowchart schematically showing the flow of the card payment process. The card payment process is
The system waits for the payment amount to be entered by using the numeric keypad of the keyboard 11 (step S1). In addition, the payment terminal 1 is a POS (Po
int of Sales) terminal, etc., the payment amount is input from the POS terminal. When it is determined that the settlement amount is input by the key operation of the numeral keys of the keyboard 11 (Y in step S1), it is determined whether or not the operator switch 10 is operated in step S2. The operator switch 10 may be operated before the payment amount is input.

When it is determined that the operator switch 10 has been operated (Y in step S2), the process proceeds to step S3, and whether the operation mode of the payment terminal 1 set by the operation of the operator switch 10 is the credit payment mode or debit mode. Determine whether it is in card payment mode. If the operation mode of the payment terminal 1 is not set (N in step S2), a message or the like that prompts the operator to set the operation mode is displayed on the LCD.
Error processing such as displaying in 13 is performed.

In the case of the credit payment mode (Y in step S3), credit payment processing by a credit card is executed (step S4). In the case of the debit card payment mode (N in step S3), the debit payment process by the cash card is executed (step S5).

Here, the credit settlement processing of step S4 will be described with reference to the flowchart of FIG. Since the settlement terminal 1 of the present embodiment is installed with the front side communication port 5 side of the main body casing 4 facing the customer side, the customer himself / herself can set the front side communication port 5 at the time of credit settlement.
Therefore, the card C is inserted.

When it is determined that the card C is inserted into the card passage 18 based on the output change of the customer side sensor 24 due to the insertion of the card C from the front communication port 5 by the customer (step S41). Y), step S
In step 42, the pull-in process is executed. Based on the setting of the insertion / ejection direction setting area of the RAM 34, the pull-in process is performed by the motor so that the card C is conveyed from the front side to the back side (from left to right in FIG. 3) by the rotation of the roller pairs 21 and 22. 23 is driven to rotate. Here, the function of the card transport means is executed. Hereinafter, the rotation direction of the motor 23 that rotates the roller pairs 21 and 22 in the direction in which the card C is conveyed from the front side to the back side is referred to as forward rotation. The card C is conveyed until the IC chip 50 of the card C is positioned at the reading position of the IC card reader / writer 20.

When it is determined that the rear end of the card C inserted in the card passage 18 has passed the customer side sensor 24 based on the output change of the customer side sensor 24, the solenoid 2
The shutter 26 is positioned at the blocking position with 7 turned on. As a result, it is possible to prevent another card C from being inserted while the card C already exists in the card passage 18.

When the IC chip 50 of the card C is positioned at the reading position of the IC card reader / writer 20, the data stored in the IC chip 50 by the IC card reader / writer 20 (a card number for credit payment, etc.). ) Is read (step S43), and step S
Proceed to 44.

In the following step S44, based on the data read by the IC card reader / writer 20 (card number for credit settlement, etc.), it is determined whether the card C has an expiration date or whether the card C is a stolen card. It is judged whether the data obtained is normal or not. The determination as to whether the card C has an expiration date is made based on the expiration date data included in the read data, and the determination as to whether the card C is a theft card is made in the theft card information database. The checksum method or the like is used to judge whether the read data is normal or not.

Data read by the IC card reader / writer 20 (card number for credit payment, etc.)
If there is a problem (Y in step S44), card defect processing (steps S45 and S46) is executed.

First, when the read data (credit card number for credit payment, etc.) is defective (Y in step S44), a message that the card C has expired, and the card C is a stolen card. Error information such as a message indicating that the card C has expired, a message indicating that the card C has expired, and a message indicating that the read data is defective is displayed on the LCD 13 to notify the defect (step S45: defect notification means). , Regardless of the setting of the insertion / ejection direction setting area of the RAM 34, the roller pairs 21 and 22 are rotated in the forward direction, and the IC card reader / writer 2
The card C stopped at the 0 reading position is discharged to the outside of the main body casing 4 through the rear surface communication port 6 (step S
46). Here, the function of the transport direction defining means at the time of malfunction and the function of the card transport means are executed. As previously mentioned,
The settlement terminal 1 of the present embodiment is installed with the front side communication port 5 side of the main body casing 4 facing the customer side and the back side communication port 6 side of the main body casing 4 facing the store clerk who is the operator. That is, the clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear surface communication port 6.

This concretely shows that the data (card number for credit settlement, etc.) stored in the IC chip 50 of the card C is defective, and
The store clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear surface communication port 6. That is, for example, when the card C has expired, it becomes possible to take measures immediately such as reissuance of the card C. Further, when the card C is a stolen card, it is possible to quickly contact the police or the like. Further, when the read data is abnormal, the clerk can read the card C again.

On the other hand, if there is no problem in the data (card number for credit settlement) read by the IC card reader / writer 20 (N in step S44), settlement processing (step S47) is executed. .

In the credit card payment process in step S47, the credit data is roughly calculated based on the data read from the IC chip 50 (card number for credit payment, etc.) and the payment amount input in step S1. Create and send the created credit data to the credit company Y. The credit company Y performs credit inquiry processing such as credit check and amount approval on the transmitted credit data, and then transmits the inquiry result data to the settlement terminal 1. The settlement terminal 1 that has received the inquiry result data issues a credit slip according to the inquiry result data.

Upon completion of the credit card payment processing in step S47, the flow advances to step S48 to execute the discharge processing. In the ejection processing, the roller pairs 21 and 22 are normally rotated based on the setting of the insertion / ejection direction setting area of the RAM 34, and the card C stopped at the reading position of the IC card reader / writer 20 is passed through the rear communication port 6. It is discharged to the outside of the body casing 4. Here, the function of the card transport means is executed.

As described above, in the settlement terminal 1 of the present embodiment, the front side communication port 5 side of the main body casing 4 faces the customer side, and the rear side communication port 6 side of the main body casing 4 faces the operator clerk side. Have been installed. That is, the clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear surface communication port 6.

Then, the clerk fills the issued credit voucher with the customer's signature, and then uses the customer's signature written on the credit voucher and the signature written on the card C discharged from the settlement terminal 1. After comparing the two and confirming that they match, a copy of the card C and the credit slip is given to the customer.

That is, according to the settlement terminal 1 of the present embodiment, the customer does not have to perform the complicated procedure of handing the card C to the store clerk at the time of credit settlement and inserting the card C into the settlement terminal 1 by the store clerk. Credit payment can be performed. 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.

Next, the debit settlement process of step S5 will be described with reference to the flowchart of FIG. Since the settlement terminal 1 of the present embodiment is installed with the front side communication port 5 side of the main body casing 4 facing the customer side, the customer himself / herself can insert the card C from the front side communication port 5 during debit settlement. Will be inserted.

Then, when it is determined that the card C has been inserted into the card passage 18 based on the output change of the customer side sensor 24 due to the insertion of the card C from the front communication port 5 by the customer (step S51: Y), step S
In step 52, the pull-in process is executed. In the pulling-in process, the roller pairs 21 and 22 are normally rotated based on the setting of the insertion / ejection direction setting area of the RAM 34, and the card C is conveyed from the front side to the back side (from left to right in FIG. 3). The card C is conveyed until it is detected by the clerk side sensor 25. Here, the function of the card transport means is executed.

When it is determined that the rear end of the card C inserted in the card passage 18 has passed the customer side sensor 24 based on the output change of the customer side sensor 24, the solenoid 2
The shutter 26 is positioned at the blocking position with 7 turned on. As a result, it is possible to prevent another card C from being inserted while the card C already exists in the card passage 18.

The card C passes through the magnetic card reader 19 as it is conveyed by the roller pairs 21 and 22. At this time, the data stored in the magnetic stripe S by the magnetic card reader 19 (debit The bank account number for settlement, etc.) is read (step S53), and the process proceeds to step S54.

In the following step S54, it is read based on the data (bank account number for debit payment, etc.) read by the magnetic card reader 19 whether the card C has an expiration date or whether the card C is a stolen card. A determination is made as to whether or not the data is normal. The determination as to whether the card C has an expiration date is made based on the expiration date data included in the read data, and the determination as to whether the card C is a theft card is made in the theft card information database. The checksum method or the like is used to judge whether the read data is normal or not.

When the data read by the magnetic card reader 19 (such as the bank account number for debit payment) has a defect (Y in step S54), a card defect process (steps S55 and S56) is executed. .

First, if the read data (such as a bank account number for debit payment) has a problem (Y in step S54), a message indicating that the card C has expired, and the card C is a stolen card Error information such as a message indicating that the card C has expired, a message indicating that the card C has expired, a message indicating that the read data is defective, etc. is displayed on the LCD 13 to notify the defect (step S55: defect notification means). ), Regardless of the setting of the insertion / ejection direction setting area of the RAM 34, the roller pairs 21 and 22 are rotated in the forward direction, and the card C stopped at a predetermined position in the card passage 18 is inserted into the main body casing via the rear communication port 6. It is discharged to the outside of 4 (step S56). Here, the function of the transport direction defining means at the time of malfunction and the function of the card transport means are executed. As described above, the payment terminal 1 of the present embodiment is installed with the front side communication port 5 side of the body casing 4 facing the customer side and the back side communication port 6 side of the body casing 4 facing the store clerk who is the operator. ing. That is, the clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear surface communication port 6.

As a result, the magnetic stripe S of the card C is
It is specifically indicated that there is a problem in the data (bank account number for debit payment, etc.) stored in the store, and the store clerk was discharged to the outside of the main casing 4 through the rear communication port 6 and issued. The card C can be easily received. That is, for example, when the card C has expired, it becomes possible to take measures immediately such as reissuance of the card C. Further, when the card C is a stolen card, it is possible to quickly contact the police or the like. Further, when the read data is abnormal, the clerk can read the card C again.

On the other hand, if the data (bank account number for debit payment, etc.) read by the magnetic card reader 19 is not defective (N in step S54), the payment process (step S57) is executed.

The cash card settlement processing in step S57 is roughly read from the personal identification number and the magnetic stripe S input by the customer's key operation of the numeral keys of the keyboard 11 according to the guidance displayed on the LCD 13. Debit data is created based on the data (bank account number for debit payment, etc.) and the payment amount input in step S1, and the created debit data is transmitted to bank Z. At the bank Z, after deducting the settlement amount from the balance of the corresponding account based on the transmitted debit data, the debit result data is transmitted to the settlement terminal 1. The payment terminal 1 that has received the debit result data issues a usage statement in accordance with the debit result data.

When the settlement process by the cash card in step S57 is completed, the process proceeds to step S58, and the discharging process is executed. In the ejection process, the solenoid 27 is turned off, the shutter 26 is positioned at the open position, and the roller pairs 21 and 22 are rotated in the reverse direction based on the setting of the insertion / ejection direction setting area of the RAM 34.
The card C stopped at a predetermined position inside is discharged to the outside of the main body casing 4 through the front communication port 5. Here, the function of the card transport means is executed.

As described above, in the settlement terminal 1 of the present embodiment, the front side communication port 5 side of the main body casing 4 faces the customer side, and the back side communication port 6 side of the main body casing 4 faces the operator clerk side. Have been installed. That is, the customer can easily receive the card C discharged and issued to the outside of the main body casing 4 through the front communication port 5.

In other words, according to the settlement terminal 1 of the present embodiment, the card C is handed to the clerk at the time of debit settlement, and the clerk does not insert the card C into the settlement terminal 1 without taking a complicated procedure. Debit payment can be made. Further, according to the payment terminal 1 of the present embodiment,
Since the clerk does not touch the card C unnecessarily long,
It is possible to improve reliability from the viewpoint of fraud prevention.

From the above-described embodiment, the invention according to claim 1 allows the insertion / ejection of the card to / from the card reader from both sides of the front side and the back side of the apparatus, and according to the type of card payment. The transfer direction of the card is specified, and the card is settled. In addition, when the data read by the card reader is found to be defective, regardless of the specified card transport direction, the card in which the defective data is found is located on the rear side of the device.
It is transported to the discharge port. As a result, if the device is installed with the front of the device facing the customer and the back of the device facing the store clerk who is the operator, the card with the data read by the card reader found to be defective will not be The card will be ejected from the card insertion / ejection slot of, so that the store clerk can immediately take countermeasures against the defect.

Further, according to the invention described in claim 2 from the above-described embodiment, when the data read by the card reader is found to be defective in the card processing device described in claim 1, the fact is notified. It is provided with a malfunction notifying means. This makes it easy to understand the details of the defect.

In this embodiment, the RAM 3
When the setting of the insertion / ejection direction setting area 4 is the credit settlement mode, the insertion direction of the card C is the front communication port 5 side, and the ejection direction of the card C is the rear communication port 6 side. In this case, the card C is inserted in the front communication port 5 side and the card C is ejected in the front communication port 5 side, but the invention is not limited to this. For example, when setting the insertion / ejection direction setting area of the RAM 34,
The ejection direction of the card C in the credit payment mode may be the rear communication port 6, and the ejection direction of the card C in the debit card payment mode may be the front communication port 5 side. By thus defining only the ejection direction, for a customer who is unfamiliar with the operation, the store clerk can insert the card C from the rear communication port 6 after the store clerk once deposits the card C. In this case, on the basis of the output change of the customer side sensor 24 or the output change of the clerk side sensor 25, the roller pair 2 is moved in the direction in which the card C is drawn into the card passage 18.
A pull-in process is performed so as to rotate 1 and 22.

In the present embodiment, the card C
Is a magnetic stripe that functions as a cash card used for credit and debit card payments, and stores customer data such as the bank account number of the customer who owns the card and the personal identification number set when the account was opened. S and the IC chip 50 in which customer data such as a credit card number and a personal identification number are stored, but the present invention is not limited to this. For example, both the data for a cash card used for debit card payment and the data for a credit card used for credit payment may be stored in the IC chip 50.

[0076]

According to the present invention, provided that the front side of the device is oriented toward the customer side and the rear side of the device is oriented toward the store clerk who is the operator, the data read by the card reader is not defective. The card thus ejected is ejected from the card insertion / ejection port on the rear side of the device, so that the store clerk can immediately take countermeasures against the malfunction.

[Brief description of drawings]

FIG. 1 is an external perspective view schematically showing a state in which a payment terminal according to an embodiment of the present invention is viewed from the front side.

FIG. 2 is an external perspective view schematically showing a state in which the payment terminal is viewed from the back side.

FIG. 3 is a vertical sectional side view thereof.

FIG. 4 is a block diagram schematically showing electrical connection of each unit included in the payment terminal.

FIG. 5 is a flowchart schematically showing the flow of a card payment process.

FIG. 6 is a flowchart schematically showing the flow of credit settlement processing.

FIG. 7 is a flowchart schematically showing the flow of debit payment processing.

FIG. 8 is a perspective view showing a conventional card processing device.

[Explanation of symbols] 1 ... Card processing device, 5 ... Card insertion / ejection port on the front side of the device, 6 ... Card insertion / ejection port on the back side of the device, 14 ... Card reader, C ... Card

Claims (2)

[Claims] 1. A card processing device for reading data including unique information of the card recorded on a card by a card reader and performing card payment according to the read data, the card processing device being provided on a front side and a back side of the device, respectively. A pair of card insertion / ejection ports forming a part of a transportation path of the card with respect to the card reader, and a card transportation direction defining means for defining a transportation direction of the card with respect to the card reader according to a type of the card payment. And when a problem is recognized in the data read by the card reader, the carrying direction of the card is located on the rear side of the device regardless of the carrying direction of the card defined by the card carrying direction defining means. Insert the card /
Defect-carrying-direction-defining means defined in the discharge port, and card-carrying means for carrying the card according to the card-carrying-direction defined by the card-carrying-direction-defining means or the defective-carrying-direction-defining means during card settlement And a card processing device. 2. The card processing device according to claim 1, further comprising a defect notifying unit for notifying that a defect has been found in the data read by the card reader.