JP2017162343A - Card processing unit, settlement method, and settlement program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technology for preventing an operation related to card transactions from being complicated, and for improving security.SOLUTION: A first settlement processing function part 21 is configured to, unless a card 50 inserted into an insertion port is not an IC card, perform first settlement processing using first card data read from a magnetic stripe 51 of the card 50. A second settlement processing function part 22 is configured to, when the card 50 inserted into the insertion port is an IC card, perform second settlement processing using the first card data and second card data read from an IC of the card 50. A third settlement processing function part 23 is configured to, when the card 50 inserted into the insertion port is the IC card, and the second card data are not read from the IC of the card 50, perform third settlement processing using the first card data read from the IC of the card 50.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a technique related to payment processing for card transactions.

  Conventionally, a card transaction in which a transaction amount is settled with a card (such as a credit card or a debit card) instead of cash is performed at a store or a vending machine. Further, the card is provided with a magnetic stripe and an IC. Some cards have only a magnetic stripe, some cards have only an IC, and some cards have a magnetic stripe and an IC. Furthermore, there are a contact type and a non-contact type IC. An IC contact is formed on the surface of the card provided with the contact type IC. A card provided with a non-contact type IC has a wireless communication function. In this way, various types of cards are used for settlement of transaction amounts.

  Patent Document 1 describes a card processing device that can perform card transactions without being conscious of the type of card used for card transactions. Specifically, the card processing device of Patent Document 1 includes a wireless communication area that performs wireless communication with a non-contact IC provided on a card along a conveyance path of a card inserted into an insertion slot, A magnetic head that is brought into contact with a magnetic stripe provided on the card and a contact terminal that is electrically connected to an IC contact of a contact IC provided on the card are arranged in this order. Therefore, the card processing apparatus disclosed in Patent Document 1 has a magnetic stripe or IC regardless of whether the card inserted into the insertion slot is a magnetic card, a contact IC card, a non-contact IC card, or a composite card thereof. The card data recorded on the card can be read and settlement processing can be performed.

  On the other hand, there is a demand for improving the security of card transactions by preventing illegal card transactions using counterfeit cards. Many fraudulent card transactions use a counterfeit card in which magnetic data of another person's credit card obtained by fraudulent acts such as skimming is copied to a magnetic stripe. In general, magnetic data recorded in a magnetic stripe can be rewritten more easily than IC data recorded in an IC.

  From the viewpoint of card transaction security, the card processing device disclosed in Patent Literature 1 can read card data (magnetic data) recorded in a magnetic stripe as long as it is an IC-provided card. If the card data (IC data) recorded on the card cannot be read, the transaction amount is not settled.

  For the purpose of improving the security of card transactions, it has recently been recommended to provide an IC (contact or non-contact IC) on the card.

JP 2003-196618 A

  However, when the card data is read from the IC, even if some of the card data is unsuccessful, if the transaction amount is not settled, some cards may be removed from the IC due to noise or the like. Even when the data cannot be read, the transaction amount is not settled. In this case, the card transaction is redone, and the operation related to the card transaction becomes complicated.

  On the other hand, if the card data recorded on the magnetic stripe is read even if the reading of the card data from the IC fails, the card data recorded on the magnetic stripe is used for payment processing. Doing so is likely to reduce the security of card transactions. For example, it is impossible to restrict an act of intentionally damaging an IC provided on a card and using it illegally as a magnetic card substantially not provided with an IC.

  An object of the present invention is to provide a technique capable of preventing the operation related to a card transaction from being complicated and improving the security of the card transaction.

  In order to achieve the above object, the card processing unit of the present invention is configured as follows.

  The card transport unit transports the card inserted into the insertion slot along the card transport path. The magnetic data reading unit reads the first card data recorded on the magnetic stripe provided on the card that the card transport unit transports along the card transport path. The IC data reading unit reads the first card data and the second card data recorded on the IC provided on the card conveyed by the card conveying unit to the IC data reading position. The first card data is data (referred to as card identification data) indicating a card number, a card expiration date, and the like. The second data is security data indicating CVM (Cardholder Verification Method), foreign currency code, country code, brand ID, previous transaction amount, and the like.

  The card type determination unit determines whether or not the card inserted into the insertion slot is an IC card provided with an IC. The card determined by the card type determination unit not to be an IC card is a card provided with a magnetic stripe and not provided with an IC (hereinafter referred to as an IC-less magnetic card). The card determined by the card type determination unit to be an IC card is provided with an IC and is not provided with a magnetic stripe (hereinafter referred to as a non-magnetic IC card), a magnetic stripe, and an IC. Card (hereinafter referred to as a magnetic IC composite card). The IC may be a contact type or a non-contact type.

  When the card type determination unit determines that the card inserted into the insertion slot is not an IC card, the first payment processing unit reads the first card data from the magnetic stripe of the card. If so, the first settlement process using the first card data read from the magnetic stripe of the card is performed. In other words, the first settlement processing unit, if the card inserted into the insertion slot is an IC-less magnetic card and reading of the first card data recorded on the magnetic stripe of this card has not failed, The transaction amount is settled using the first card data read from the magnetic stripe.

  When the card type determination unit determines that the card inserted into the insertion slot is an IC card, the second settlement processing unit receives the first card data and the second card data from the IC data reading unit. If it is read from the IC of the card, the second settlement process using the first card data and the second card data read from the IC of the card is performed. That is, the second settlement processing unit is configured such that the card inserted into the insertion slot is a magneticless IC card or a magnetic IC composite card, and the first card data recorded in the IC of this card, and the second If the card data has not been read successfully, the transaction amount is settled using the first card data and the second card data read from the IC.

  Further, the third settlement processing unit reads the first card data from the IC of the card when the card type determining unit determines that the card inserted into the insertion slot is an IC card. However, if the second card data is not read from the card IC, the third settlement process using the first card data read from the card IC is performed. That is, the third settlement processing unit is a magneticless IC card or a magnetic IC composite card inserted into the insertion slot, and fails to read the second card data from the IC due to noise or the like. However, if the reading of the first card data has not failed, the transaction amount is settled using the first card data read from the IC. Thereby, it is possible to prevent the operation related to the card transaction from becoming complicated and to improve the security of the card transaction.

  In the first settlement processing unit, the card type determining unit determines that the card inserted into the insertion slot is an IC card, and the IC data reading unit can access the IC of the card. If the card data is not read from the IC of the card and the magnetic data reading unit reads the first card data from the magnetic stripe of the card, the first data using the first card data read from the magnetic stripe of the card is used. The settlement process may be performed. In this case, if the card type determination unit determines that the card inserted into the insertion slot is an IC card, the payment processing prohibition prohibits the payment processing if the IC data reading unit cannot access the IC of the card. It is preferable to provide a part.

  With this configuration, when the IC cannot be accessed, that is, when there is a high possibility that the IC is damaged, the first settlement process using the first data read from the magnetic stripe of the card is performed. There is no loss of security for card transactions. On the other hand, when the IC can be accessed, that is, when the IC is not damaged, the first settlement process using the first data read from the magnetic stripe of the card is performed, so that the operation related to the card transaction becomes complicated. Can be further prevented.

  For the card inserted in the insertion slot, the first card data read from the magnetic stripe of the card by the magnetic data reading unit and the first card data read from the IC of the card by the IC data reading unit are collated. A fraudulent card determination unit that determines whether or not the card is appropriate may be provided. If comprised in this way, the unauthorized card | curd by which card data was rewritten can be detected.

  In addition, if the fraudulent card determination section determines that the card is not appropriate, it has a notification section that outputs that fact, and notifies the card company or a staff member of the detection of the fraudulent card whose card data has been rewritten. Also good. Furthermore, it is preferable to adopt a configuration in which payment processing is prohibited when the fraudulent card determination unit determines that the card is not appropriate.

  According to this invention, it is possible to prevent the operation related to the card transaction from becoming complicated and improve the security.

It is a block diagram which shows the structure of the principal part of a card processing unit. FIG. 2A is a plan view seen from a direction substantially perpendicular to the card transport surface of the card transport path, and FIG. 2B is a cross-sectional view in the AA direction in FIG. . It is the schematic which shows a magnetic IC composite card. It is a functional block diagram of a control part. It is a flowchart which shows operation | movement of a card processing unit. It is a flowchart which shows operation | movement of a card processing unit.

  Hereinafter, a card processing unit according to an embodiment of the present invention will be described.

  FIG. 1 is a block diagram showing the configuration of the main part of the card processing unit according to this example. A card processing unit 1 according to this example includes a control unit 2, a card transport unit 3, a magnetic data reading unit 4, an IC data reading unit 5, an input / output unit 6, and a communication unit 7. . The card processing unit 1 performs payment processing for credit transactions. For payment of the transaction amount, a credit card provided with a magnetic stripe and no IC (hereinafter referred to as an IC-less magnetic card), a credit card provided with an IC and no magnetic stripe (hereinafter referred to as a magnetic card) Three types of cards can be used: a non-magnetic IC card), and a credit card (hereinafter referred to as a magnetic IC composite card) provided with a magnetic stripe and an IC. Here, the non-magnetic IC card and the magnetic IC composite card will be described as contact IC cards in which IC contacts are formed on the card surface.

  In the following description, when the above three types of credit cards are not distinguished, they are simply referred to as cards.

  The control unit 2 controls the operation of each part of the card processing unit 1 main body. The control unit 2 corresponds to the first payment processing unit, the second payment processing unit, the third payment processing unit, the card type determination unit, the fraud card determination unit, and the payment processing prohibition unit referred to in the present invention. It has a configuration. The control unit 2 includes a computer that performs the settlement processing method referred to in the present invention. Further, the settlement processing program referred to in the present invention causes the computer provided in the control unit 2 to execute each step.

  The card transport unit 3 transports the card inserted into the insertion slot along the card transport path. FIG. 2 is a schematic view showing a card transport path. FIG. 2A is a plan view seen from a direction substantially perpendicular to the card transport surface of the card transport path, and FIG. 2B is a cross-sectional view in the AA direction in FIG. . The left-right direction in FIG. 2 is the card conveying direction. The card transport unit 3 transports the card inserted into the insertion slot formed on the left side of FIG. FIG. 2 shows a magnetic head 4a and a contact terminal 5a described later. The card transport unit 3 transports the card bidirectionally between the insertion slot and an IC reading position described later.

  FIG. 3 is a schematic diagram of the card. FIG. 3 shows a magnetic IC composite card. A magnetic stripe 51 and an IC contact 52 are provided on the surface of the card 50.

  When the card 50 is an IC-less magnetic card, the magnetic stripe 51 is provided, but the IC contact 52 is not provided. When the card 50 is a magneticless IC card, the magnetic stripe 51 is not provided, but the IC contact 52 is provided. An IC (not shown) is provided inside the card 50 and is electrically connected to the IC contact 52.

  The magnetic data reading unit 4 has a magnetic head 4a. The magnetic data reading unit 4 reads and acquires magnetic data recorded on the magnetic stripe 51 provided on the card 50 conveyed by the card conveyance unit 3. The magnetic data reading unit 4 records magnetic data on the magnetic stripe 51 provided on the card 50 being conveyed by the card conveying unit 3. The magnetic head 4 a is attached so as to contact the magnetic stripe 51 provided on the card 50 being conveyed by the card conveying unit 3. The magnetic data reading unit 4 reads and acquires magnetic data recorded in the magnetic stripe 51 when the card transport unit 3 is transporting the card 50 from the left side to the right side in FIG. The magnetic data reading unit 4 records magnetic data on the magnetic stripe 51 when the card transport unit 3 is transporting the card 50 from the right side to the left side in FIG. The magnetic data reading unit 4 carries the magnetic data read when the card carrying unit 3 is carrying the card 50 from the left side to the right side in FIG. 2, and the card carrying unit 3 carries the card 50 from the right side to the left side in FIG. When recording, the magnetic stripe 51 is recorded. That is, the magnetic data recorded on the magnetic stripe 51 of the card 50 is not rewritten by the magnetic data reading unit 4.

  The IC data reading unit 5 has a contact terminal 5a. The IC data reading unit 5 electrically connects the contact terminal 5 a to the IC contact 52 provided on the card 50 conveyed to the IC reading position by the card conveying unit 3. Read and acquire the recorded IC data. The IC data reading unit 5 records IC data on an IC provided on the card 50. The contact terminal 5a is attached to the card 50 being conveyed by the card conveying unit 3 by a solenoid or the like so as to be able to contact and separate. The contact terminal 5a is normally held at a position where it does not come into contact with the card 50 being conveyed by the card conveying unit 3, and is connected to the IC provided on the card 50 conveyed to the IC reading position by the card conveying unit 3. On the other hand, when IC data is read or written, it is driven to a position (electrically connected position) that temporarily contacts the IC contact 52 of the card 50. The IC reading position is a position where the contact terminal 5a is brought into contact with the IC contact 52 of the card 50 and the IC provided on the card 50 and the IC data reading unit 5 can be electrically connected.

  Here, the magnetic data and IC data recorded on the card 50 will be briefly described. The magnetic data includes data indicating whether an IC is provided in addition to card identification data (corresponding to the first card data referred to in the present invention) indicating a card number, a card expiration date, and the like. Yes. IC data includes card identification data indicating the card number, card expiration date, etc., as well as magnetic data, and security data indicating CVM (Cardholder Verification Method), foreign currency code, country code, brand ID, previous transaction amount, etc. (Corresponding to the second card data referred to in the present invention).

  In addition, although data other than the above is recorded in magnetic data and IC data, description of these data is omitted here from the viewpoint of security.

  The input / output unit 6 is connected to a host device, a PIN pad, and the like. The host device is a device to which the card processing unit 1 is applied, such as a POS terminal or a ticket vending machine. The host device inputs transaction data including the transaction amount to the card processing unit 1. The card processing unit 1 performs an authentication process (settlement process) on whether or not the transaction amount can be settled for the input transaction data, and notifies the host device of the result. Based on the result notified from the card processing unit 1, the higher-level device performs transaction processing (when payment is possible) or transaction suspension processing (when payment is not possible). The PIN pad is an input device that allows the cardholder to input a PIN number (so-called password). The PIN number is used to confirm that the card user is the card owner.

  The communication unit 7 communicates with an authentication center of a card company that issues an authentication request for payment of a transaction amount related to a credit transaction. The card processing unit 1 communicates with an authentication center of a card company via, for example, CAFIS (Credit And Finance Information Switching system). Moreover, the communication part 7 is also provided with the structure corresponded to the notification part said by this invention.

  Next, the functional configuration of the control unit 2 will be described. FIG. 4 is a functional block diagram of the control unit. The control unit 2 includes a first payment processing function unit 21, a second payment processing function unit 22, a third payment processing function unit 23, a card type determination function unit 24, and an unauthorized card determination function unit 25. A payment processing prohibition function unit 26.

  The first payment processing function unit 21 performs payment processing (first payment processing referred to in the present invention) using the card identification data read from the magnetic stripe 51 of the card 50.

  The second settlement processing function unit 22 performs settlement processing (second settlement processing referred to in the present invention) using the card identification data read from the IC of the card 50 and the security data.

  The third settlement processing function unit 23 performs a settlement process (third settlement process referred to in the present invention) using the card identification data read from the IC of the card 50.

  The card type determination function unit 24 determines whether or not the card 50 inserted into the insertion slot is an IC card. The IC card referred to here is a card provided with an IC. In this example, there are two IC cards: a magneticless IC card and a magnetic IC composite card. If the magnetic data reading unit 4 has acquired the magnetic data of the card 50, the card type determination function unit 24 uses the data indicating whether or not an IC included in the magnetic data is provided, so that the IC-less magnetic card is used. Or a magnetic IC composite card. Further, if the magnetic data reading unit 4 has not acquired the magnetic data of the card 50, the card type determination function unit 24 determines whether the card is an IC card depending on the presence / absence of electrical connection between the contact terminal 5a and the IC contact 52. Determine.

  When the magnetic data reading unit 4 has not acquired the magnetic data of the card 50, the card type determination function unit 24 determines that the card 50 is not provided with the magnetic stripe 51 (that is, an IC card without magnetism). However, since reading of magnetic data may fail, in this example, the IC card is not determined to be a magneticless IC card.

  The fraudulent card determination function unit 25 compares the card identification data included in the magnetic data with the card identification data included in the IC data, and determines whether the fraudulent card is a forged card depending on whether they match. Determine if. The fraud card determination function unit 25 determines whether or not the magnetic IC composite card is a forged fraud card, and determines whether or not the IC-less magnetic card or the magnetic-less IC card is a forged fraud card. do not do.

  If the fraudulent card determination function unit 25 determines that the card 50 inserted into the insertion slot is a forged fraud card, the payment processing prohibition function unit 26 prohibits transaction amount settlement processing. In addition, the payment processing prohibition function unit 26 determines that the card type determination function unit 24 determines that the card 50 inserted into the insertion slot is an IC card, and cannot access the IC of the card 50. Prohibit payment processing. Further, the settlement processing prohibition function unit 26 prohibits the transaction amount settlement processing even when the magnetic data reading unit 4 and the IC data reading unit 5 cannot acquire the card identification data.

  The operation of the card processing unit 1 according to this example will be described below. 5 and 6 are flowcharts showing the operation of the card processing unit.

  When the card processing unit 1 detects that the card 50 is inserted into the insertion slot, the card processing unit 1 starts transporting the card 50 (s1, s2). The card processing unit 1 detects that the card 50 is inserted into the insertion slot by a sensor (not shown) provided around the insertion slot. The card transport unit 3 transports the card 50 inserted into the insertion slot to the IC reading position.

  The magnetic data reading unit 4 reads and acquires the magnetic data recorded on the magnetic stripe 51 of the card 50 being conveyed to the IC reading position along the card conveyance path (s3). When the card 50 reaches the IC reading position, the card transport unit 3 stops transporting the card 50 (s4, 5). The magnetic data reading unit 4 can read the magnetic data recorded on the magnetic stripe 51 of the card 50 until the card 50 is conveyed from the insertion slot to the IC reading position.

  The card processing unit 1 determines whether or not the card 50 conveyed to the card conveyance position is a card 50 (IC without a magnetic card or magnetic IC composite card) provided with an IC (s6). The determination relating to s6 is performed in the card type determination function unit 24. In s6, it is determined whether the magnetic data reading unit 4 is a magnetic card without IC or a magnetic IC composite card based on data indicating whether or not an IC included in the magnetic data acquired in s3 is provided. . When the magnetic data reading unit 4 cannot acquire magnetic data, the card type determination function unit 24 drives the contact terminal 5a, and determines whether or not the IC card has an electrical connection between the contact terminal 5a and the IC contact 52. It is determined whether or not.

  The situation in which the magnetic data reading unit 4 cannot acquire magnetic data is when the card inserted into the insertion slot is an IC card without magnetism or when reading magnetic data from the magnetic stripe 51 fails.

  In s6, data indicating whether or not an IC included in the magnetic data acquired by the magnetic data reading unit 4 in s3 is provided, the presence / absence of electrical connection between the contact terminal 5a and the IC contact 52, Whether or not it is an IC card may be determined.

  If the card processing unit 1 determines that it is not an IC card in s6 (determines that it is a magnetic card without IC), it determines whether or not the magnetic data reading unit 4 has acquired magnetic data (card identification data) (s7). ). If the magnetic data reading unit 4 has acquired the magnetic data, the card processing unit 1 performs the first settlement process (s8). The first payment processing function unit 21 performs the first payment processing related to s8. The first settlement processing function unit 21 performs settlement of a transaction amount including transaction data including a transaction amount input from a host device and card identification data included in the magnetic data acquired by the magnetic data reading unit 4. An authentication request is transmitted to the authentication center of the card company. Communication with the authentication center of the card company is performed in the communication unit 7.

  The authentication center of the card company returns an authentication result for determining whether payment is possible or not to the card processing unit 1 in response to the authentication request for payment of the transmitted transaction amount. The first settlement processing function unit 21 inputs the authentication result sent from the card company to the host device. The card processing unit 1 inputs the authentication result received by the communication unit 7 to the host device at the input / output unit 6.

  When the first settlement process is completed, the card processing unit 1 returns the card 50 to the user by transporting the card 50 at the IC reading position to the insertion slot by the card transport unit 3 (s9). This process ends.

  The host device processes the transaction according to the authentication result notified from the card processing unit 1.

  If the magnetic data reading unit 4 has not acquired the magnetic data, the card processing unit 1 performs error processing (s11), and ends this processing. In s11, the host device is notified that settlement is not possible, and the card 50 at the IC reading position is transported to the insertion slot by the card transport unit 3.

  If the card type determination function unit 24 determines that the card is an IC card in s6, the card processing unit 1 determines whether the IC data reading unit 5 can access the IC provided in the card (s10). In s10, the IC data reading unit 5 inputs an access command to the IC provided in the card, and if there is a response to this access command, it is determined that the IC can be accessed. In other words, if there is no response to the input access command, it is determined that the IC cannot be accessed. At this time, the IC contact 52 of the card 50 and the contact terminal 5a are electrically connected.

  If the card processing unit 1 determines that the IC cannot be accessed in s10, the payment processing prohibition function unit 26 prohibits the payment processing. Specifically, the card processing unit 1 performs error processing in s11 and ends this processing. The reason why the IC cannot be accessed in s10 is highly likely that the IC is damaged. In this case, the IC may be intentionally damaged. Therefore, if the card processing unit 1 determines that the card is an IC card by the card type determination function unit 24 and the IC card cannot be accessed, the magnetic data reading unit 4 starts the magnetic data (card card) from the magnetic stripe 51 of the card 50. Regardless of whether or not (identification data) has been acquired, payment processing is prohibited. Thereby, the card processing unit 1 suppresses the deterioration of the security of the card transaction.

  When it is determined that the IC can be accessed in s10, the card processing unit 1 reads the IC data in the IC data reading unit 5 and acquires the IC data (s12). The card processing unit 1 determines whether or not the card identification data (card identification data recorded in the IC) can be obtained by reading the IC data in s12 (s13). If the card processing unit 1 determines that the card identification data cannot be acquired in s13, the card processing unit 1 performs the first settlement process in s8, and returns the card to the owner in s9.

  The reason why the card identification data cannot be obtained by reading the IC data of s12 is considered to be that reading of data from the IC has failed due to generation of noise or the like. It has already been confirmed in s10 that the IC is not damaged.

  If the card processing unit 1 determines that the card identification data cannot be acquired from the IC at s13, the card processing unit 1 executes the processes after s7. That is, the card processing unit 1 performs the first settlement process if the magnetic data reading unit 4 acquires magnetic data (card identification data) from the magnetic stripe 51 of the card 50. As described above, the card processing unit 1 allows the magnetic data reading unit 4 from the magnetic stripe 51 of the card 50 even if the IC data reading unit 5 cannot acquire the card identification data from the IC of the card 50 due to generation of noise or the like. If the magnetic data is acquired, the first settlement process is executed instead of prohibiting the settlement process. Therefore, it is possible to prevent the operation related to the card transaction from becoming complicated (the frequency with which the settlement process is stopped can be suppressed).

  If the card processing unit 1 determines that card identification data has been acquired from the IC in s13, it determines whether or not magnetic data (card identification data) has been acquired from the magnetic stripe 51 (s14). If the card processing unit 1 determines that magnetic data cannot be acquired in s14, the card processing unit 1 determines that the card 50 is a magneticless IC card, and proceeds to s16 described later.

  On the other hand, when the card processing unit 1 determines that magnetic data has been acquired in s14, the card identification data read from the magnetic stripe 51 and the card identification data read from the IC are collated to determine whether they match. (S15). The fraudulent card determination function unit 25 performs the determination related to s15.

  If the card processing unit 1 determines that the card identification data do not match in s15, the card processing unit 1 determines that at least one of the magnetic stripe 51 and the IC is an unauthorized card 50 in which data has been rewritten, and the unauthorized card. Notification processing is performed (s19). In s19, the card identification data acquired from the magnetic stripe 51 and the card identification data acquired from the IC are notified to the card company. Based on the notification from the card processing unit 1, the card company performs processing such as negative registration of the unauthorized card 50. Further, in s19, a notice may be sent to the staff or the like, and a response such as catching the user who used the unauthorized card 50 may be encouraged. When the card processing unit 1 performs the illegal card notification process in s19, the card processing unit 1 performs error processing in s11 (s11), and ends this process. Accordingly, since the card processing unit 1 prohibits the payment process when an unauthorized card 50 whose data has been rewritten is used for at least one of the magnetic stripe 51 and the IC, the card transaction security is improved. be able to.

  If the card processing unit 1 determines that the magnetic data cannot be acquired in s14 or if the card identification data is determined to match in s15, the IC data reading unit 5 acquires the security data from the IC. It is determined whether or not (s16). If the card processing unit 1 has acquired the security data from the IC, the card processing unit 1 performs the second settlement process (s17), and returns the card in s9. The second settlement processing function unit 22 performs the second settlement processing relating to s17. The second settlement processing function unit 22 issues an authentication request for settlement of transaction data including transaction data input from the host device, card identification data read from the IC of the card 50, and security data. To the authentication center. Communication with the authentication center of the card company is performed in the communication unit 7.

  The authentication center of the card company returns an authentication result for determining whether payment is possible or not to the card processing unit 1 in response to the authentication request for payment of the transmitted transaction amount. The second settlement processing function unit 22 inputs the authentication result from the card company to the higher-level device. The card processing unit 1 inputs the authentication result received by the communication unit 7 to the host device at the input / output unit 6.

  In this way, if the IC data reading unit 5 acquires the card identification data and the security data from the IC, the card processing unit 1 performs the payment process using these data, so the card transaction security is lowered. I will not let you.

  If the IC data reading unit 5 has not acquired security data from the IC due to noise or the like, the card processing unit 1 performs the third settlement process (s18), and returns the card in s9. The third settlement processing function unit 23 performs the third settlement processing relating to s18. The third settlement processing function unit 23 sends an authentication request for settlement of the transaction amount including the transaction amount input from the host device and the transaction amount including the card identification data read from the IC of the card 50 to the authentication center of the card company. Send. Communication with the authentication center of the card company is performed in the communication unit 7.

  The authentication center of the card company returns an authentication result for determining whether payment is possible or not to the card processing unit 1 in response to the authentication request for payment of the transmitted transaction amount. The third settlement processing function unit 23 inputs the authentication result from the card company to the higher-level device. The card processing unit 1 inputs the authentication result received by the communication unit 7 to the host device at the input / output unit 6.

  Thus, even if the IC data reading unit 5 fails to acquire security data from the IC due to noise or the like, the card processing unit 1 acquires the card identification data from the IC if it has acquired the card identification data from the IC. Since payment processing is performed using card identification data, the security of card transactions is not reduced.

  Normally, rewriting of magnetic data recorded on the magnetic stripe 51 can be performed more easily than rewriting of IC data recorded on the IC. That is, the IC data recorded on the IC has higher security than the magnetic data recorded on the magnetic stripe 51. As described above, the card processing unit 1 according to this example is configured to use the card identification data read from the IC with higher priority than the card identification data read from the magnetic stripe 51 for the authentication of the transaction amount settlement processing. Therefore, it is possible to prevent a decrease in security.

  Further, when the card identification data does not match, it is determined that the card is a forged fraud card, and the card is notified to a card company or a staff member, so that the crime prevention effect against the use of the forged card can be improved.

  In the first settlement process, the second settlement process, and the third settlement process described above, the user may be allowed to input a PIN number in order to improve security.

  In the above example, as shown in FIG. 2, the magnetic head 4a and the contact terminal 5a are arranged in this order from the insertion port side, but this arrangement may be reversed.

  In the above example, the card 50 provided with the contact IC is taken as an example, but the card provided with the non-contact IC may be used. In this case, the IC data reading unit 5 may include a wireless communication unit that performs wireless communication with the card 50 positioned at the IC reading position instead of the contact terminal 5a.

  Furthermore, a non-contact type IC data reading unit including this wireless communication unit is additionally provided so that both the card 50 provided with the contact type IC and the card 50 provided with the non-contact type IC can be used. Good. In this case, the vicinity of the insertion slot may be used as a wireless communication area with the non-contact IC, and the magnetic head 4a and the contact terminal 5a may be disposed on the card 50 conveyance path.

DESCRIPTION OF SYMBOLS 1 ... Card processing unit 2 ... Control part 3 ... Card conveyance part 4 ... Magnetic data reading part 4a ... Magnetic head 5 ... IC data reading part 5a ... Contact terminal 6 ... Input / output part 7 ... Communication part 21 ... 1st payment process Functional unit 22 ... second payment processing function unit 23 ... third payment processing function unit 24 ... card type determination function unit 25 ... fraud card determination function unit 26 ... payment processing prohibition function unit 50 ... card 51 ... magnetic stripe 52 ... IC contact

Claims (9)

A card transport section for transporting the card inserted into the insertion slot along the card transport path;
A magnetic data reader for reading first card data recorded on a magnetic stripe provided on a card carried by the card carrying unit along the card carrying path;
An IC data reading unit for reading the first card data and the second card data recorded in an IC provided in a card conveyed by the card conveying unit to an IC data reading position;
A card type determination unit that determines whether the card inserted into the insertion slot is an IC card provided with an IC;
When the card type determination unit determines that the card inserted into the insertion slot is not an IC card, the magnetic data reading unit reads the first card data from the magnetic stripe of the card. A first payment processing unit that performs a first payment process using the first card data read from the magnetic stripe;
When the card type determination unit determines that the card inserted into the insertion slot is an IC card, the IC data reading unit transmits the first card data and the second card data to an IC card. A second payment processing unit that performs a second payment process using the first card data read from the IC of the card and the second card data;
When the card type determination unit determines that the card inserted into the insertion slot is an IC card, the IC data reading unit reads the first card data from the IC of the card. A card processing unit comprising: a third payment processing unit that performs a third payment process using the first card data read from the card IC if the card data is not read from the card IC .   In the first settlement processing unit, the card type determination unit determines that the card inserted into the insertion slot is an IC card, and the IC data reading unit can access the IC of the card. When the first card data is not read from the IC of the card and the magnetic data reading unit reads the first card data from the magnetic stripe of the card, the first card read from the magnetic stripe of the card The card processing unit according to claim 1, wherein a first settlement process using data is performed.   For the card inserted into the insertion slot, the first card data read from the magnetic stripe of the card by the magnetic data reading unit, and the first card data read from the IC of the card by the IC data reading unit The card processing unit according to claim 1, further comprising a fraudulent card determination unit that determines whether or not the card is appropriate.   The card processing unit according to claim 3, further comprising a notification unit that outputs a message to the effect when the fraudulent card determination unit determines that the card is not appropriate.   When the card type determination unit determines that the card inserted into the insertion slot is an IC card, the payment processing prohibition prohibits the payment processing if the IC data reading unit cannot access the IC of the card The card processing unit according to claim 1, further comprising a unit.   5. The card processing unit according to claim 3, further comprising a payment processing prohibition unit that prohibits a payment process when the fraudulent card determination unit determines that the card is not appropriate.   If the card type determination unit determines that the card inserted into the insertion slot is an IC card, the payment processing prohibition unit determines that the IC data reading unit cannot access the IC of the card. The card processing unit according to claim 6, wherein processing is prohibited. A card transport unit that transports the card inserted into the insertion slot along the card transport path, and the card transport unit recorded on a magnetic stripe provided on the card transported along the card transport path. A magnetic data reading unit for reading one card data, and the first card data and the second card data recorded on an IC provided on a card conveyed by the card conveying unit to an IC data reading position. A computer of a card processing unit comprising an IC data reading unit for reading,
A card type determination step for determining whether or not the card inserted into the insertion slot is an IC card provided with an IC;
If it is determined in the card type determination step that the card inserted into the insertion slot is not an IC card, the magnetic data reader reads the first card data from the magnetic stripe of the card. A first payment processing step for performing a first payment processing using the first card data read from the stripe;
When it is determined in the card type determination step that the card inserted into the insertion slot is an IC card, the IC data reading unit transmits the first card data and the second card data from the IC of the card. A second payment processing step for performing a second payment process using the first card data read from the IC of the card and the second card data,
When it is determined in the card type determination step that the card inserted into the insertion slot is an IC card, the IC data reading unit reads the first card data from the IC of the card. If the card data is not read from the IC of the card, a third payment processing step of performing a third payment process using the first card data read from the card IC is executed. A card transport unit that transports the card inserted into the insertion slot along the card transport path, and the card transport unit recorded on a magnetic stripe provided on the card transported along the card transport path. A magnetic data reading unit for reading one card data, and the first card data and the second card data recorded on an IC provided on a card conveyed by the card conveying unit to an IC data reading position. A computer of a card processing unit comprising an IC data reading unit for reading;
A card type determination step for determining whether or not the card inserted into the insertion slot is an IC card provided with an IC;
If it is determined in the card type determination step that the card inserted into the insertion slot is not an IC card, the magnetic data reader reads the first card data from the magnetic stripe of the card. A first payment processing step for performing a first payment processing using the first card data read from the stripe;
When it is determined in the card type determination step that the card inserted into the insertion slot is an IC card, the IC data reading unit transmits the first card data and the second card data from the IC of the card. A second payment processing step for performing a second payment process using the first card data read from the IC of the card and the second card data,
When it is determined in the card type determination step that the card inserted into the insertion slot is an IC card, the IC data reading unit reads the first card data from the IC of the card. If the card data is not read from the card IC, a payment program for executing a third payment processing step for performing a third payment process using the first card data read from the card IC.

Images