JP2019185794A - Automatic transaction device, automatic transaction system, automatic transaction method, and automatic transaction program - Google Patents

Abstract

To provide an automatic transaction device that is able to appropriately handle information stored in a card.SOLUTION: An automatic transaction device comprises: a card acceptance unit 2 that accepts a card; a card information acquiring unit 10 that acquires card information stored in the card accepted by the card acceptance unit 2; a specifying unit 20 that specifies a type of the accepted card on the basis of a format of the card information; a type information acquiring unit 30 that acquires type information indicating a type of a card to be accepted; and a processing setting unit 40 that switches a process for the card information on the basis of the type of the accepted card and the type information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an automatic transaction apparatus that automatically performs transactions, an automatic transaction system that automatically performs transactions, an automatic transaction method, and an automatic transaction program.

  Conventionally, various types of cards are used. Examples of such a card include an examination ticket used at a medical institution, a membership card indicating membership of various stores, a credit card used when paying money at the medical institution or store, and the like. In such a card, information used for specifying the owner of the card, information used for payment of money, etc. are stored according to each use, for example, inserting the card into a reading device, This information is automatically read by holding it over. In particular, since information used for payment of money is important information for the user, techniques relating to handling of this type of information have been studied (for example, Patent Documents 1 and 2).

  Patent Document 1 describes a patient information management system that manages information about a patient in a medical institution such as a hospital. This patient information management system is provided with a payment device that is installed in a medical institution or the like and is used for payment of medical expenses or the like. When paying medical expenses or the like using a credit card, the payment device makes an inquiry about whether or not the credit card can be used to an external settlement server, for example.

  Patent Document 2 describes a credit settlement system that improves safety in credit settlement using a credit card. In this credit settlement system, the card reader reads the recognition information recorded on the credit card, and encrypts the recognition information with predetermined encryption key information when transmitting the recognition information via the network.

JP 2017-151732 A JP2013-84032A

  Here, the user may use a card according to the situation at the time of using the card, but the user may insert an incorrect card into the reading device or hold it over. In such a case, when the information of the card holder is to be read, the information used for payment of money is read, or when the information used for payment of money is to be read, the information of the card owner is read. To do. If such erroneous information is read, the information may be misused and the user may be disadvantaged. The techniques described in Patent Documents 1 and 2 do not assume the handling of information when information on an incorrect card is read in a situation where there are a wide variety of cards, and there is room for improvement.

  Therefore, an automatic transaction apparatus, an automatic transaction system, an automatic transaction method, and an automatic transaction program that can appropriately handle information stored in a card are required.

  The characteristic configuration of the automatic transaction apparatus according to the present invention includes a card reception unit that receives a card, a card information acquisition unit that acquires card information stored in an accepted card received by the card reception unit, and the card information Based on the identification unit that identifies the type of the accepted card based on the format, the type information acquisition unit that obtains type information indicating the type of the card to be accepted, the type of the accepted card and the type information, And a processing setting unit that switches processing for the card information.

  With such a characteristic configuration, processing for card information can be switched based on the type of card acquired by the card information acquisition unit and the type of card to be received. Therefore, for example, when the acquired card information such as an examination ticket is not encrypted, when the card information that requires encryption such as credit card information is received, the card information may be deleted or the card information may be deleted. By switching the processing so as not to spread the card information, it becomes possible to appropriately handle (protect) the card information.

  Further, it is preferable that the type information acquisition unit acquires type information indicating whether a type of a card to be received is a card for which the card information is to be encrypted or a card for which the card information is not to be encrypted.

  In addition, the processing setting unit, based on the type of the accepted card and the type information, processing for the card information, erasing processing of the card information, explicit processing for clearly indicating the type of the card, the card information It is preferable to switch to either an encryption process for encrypting the card and an external transmission process for encrypting the card information and transmitting it to the outside.

  In addition, it is preferable that the automatic transaction apparatus further includes a processing unit that executes processing for the card information based on the processing information switched by the processing setting unit.

  With such a configuration, it is possible to appropriately execute processing for card information.

  Further, the type of the card to be accepted is a type of a card whose card information should not be encrypted, and the processing unit receives the acceptance when the type of the accepted card is a type of a card to be encrypted. It is preferable to indicate that the used card is the type of card to be encrypted.

  With this configuration, for example, when the acquired card information such as an examination ticket is not encrypted, when the card information such as credit card information that requires encryption is received, the received card is encrypted. It can be clearly indicated that the card is to be converted. Therefore, it is possible to notify the user that the card is used by mistake.

  Further, the type of the card to be accepted is a type of a card whose card information is to be encrypted, and the processing unit, when the type of the accepted card is a type of a card that should not be encrypted, It is preferable to clearly indicate that the received card is the type of the card that should not be encrypted.

  With this configuration, when card information such as a credit card is encrypted, for example, when card information that does not require encryption such as an examination ticket is received, the received card should not be encrypted. You can clearly indicate that it is a card. Therefore, it is possible to notify the user that the card is used by mistake.

  Further, it is preferable that the processing unit outputs at least a part of the card information to the outside according to the type of the card to be received.

  With such a configuration, based on the card type acquired by the card information acquisition unit and the card type information to be received, information (for example, encrypted information) based on the card information is output. Can do. Accordingly, card information that does not match the usage status can be prevented from being output, and thus card information can be protected appropriately.

  In addition, it is preferable that the automatic transaction apparatus further includes an output destination setting unit that sets an output destination for outputting at least a part of the card information to the outside according to the type of the card to be received.

  With such a configuration, unnecessary information can be prevented from being output, so that unnecessary card information can be prevented from spreading.

  Moreover, the other characteristic structure of the automatic transaction apparatus which concerns on this invention is the card | curd reception part which receives a card | curd, The card | curd information acquisition part which acquires the card | curd information memorize | stored in the received card received in the said card | curd reception part, A determination unit that identifies the type of the accepted card from the card information, and a determination unit that determines whether or not to continue the transaction with the accepted card based on the type, In at least two types of cards, it is possible to determine whether or not to continue the transaction.

  If it is set as such a characteristic structure, since it will be determined whether transaction will be performed according to card information, the card of at least 2 types of card types can be handled with an automatic transaction apparatus. By using at least two types of cards, for example, a credit card and a non-credit card such as an examination ticket or a membership card, the automatic transaction apparatus can appropriately handle card information stored in various cards. Become.

  Moreover, the characteristic structure of the automatic transaction system which concerns on this invention consists of the card | curd reception part which receives a card | curd, the card | curd information acquisition part which acquires the card | curd information memorize | stored in the received card | curd received in the said card | curd reception part, Based on a specifying unit for specifying the type of the accepted card based on the format of the card information, a type information acquiring unit for acquiring type information indicating the type of the card to be received, the type of the received card, and the type information And a switching unit that switches processing for the card information.

  Even in such an automatic transaction system, there is substantially no difference from the automatic transaction apparatus described above, and it is possible to achieve the same effects as the automatic transaction apparatus.

  Moreover, the characteristic structure of the automatic transaction method according to the present invention is an automatic transaction method in an automatic transaction apparatus, which is a card reception step for receiving a card, and a card stored in the received card received at the card reception step. A card information acquisition step for acquiring information, a specifying step for specifying the type of the accepted card based on the format of the card information, a type information acquisition step for acquiring type information indicating the type of the card to be received, and the reception And a switching step of switching processing for the card information based on the type of the completed card and the type information.

  Even with such an automatic transaction method, there is substantially no difference from the automatic transaction apparatus described above, and it is possible to achieve the same effects as the automatic transaction apparatus.

  Moreover, the characteristic structure of the automatic transaction program according to the present invention includes a card reception process for receiving a card, a card information acquisition process for acquiring card information stored in an accepted card received in the card reception process, Based on a specifying process for specifying the type of the accepted card based on the format of the card information, a type information acquiring process for acquiring type information indicating the type of the card to be received, the type of the received card and the type information And switching processing for switching processing for the card information.

  Even such an automatic transaction program has substantially no difference from the above-described automatic transaction apparatus, and can achieve the same effects as the automatic transaction apparatus.

It is a figure which shows the structure of a card processing apparatus typically. It is a figure which shows the presence or absence of the encryption based on the received card and the card which should be received. It is a figure which shows the structure of an automatic transaction apparatus typically. It is a figure which shows the process in the case of accepting cards other than a credit card. It is a figure which shows the process in the case of accepting a credit card. It is a flowchart which shows the reading process of card information. It is a figure which shows the process in the case of receiving the data written in the free area which does not affect security in the credit card data which concerns on other embodiment.

1. Card Processing Device The card processing device according to the present invention is configured to appropriately handle information stored in a card. Hereinafter, the card processing apparatus 1 of this embodiment will be described. The card processing device 1 processes a received card that is a received card. The accepted card is a card from which information (corresponding to “card information” described later) stored in the card is read in order to use the information stored in the card and the information is acquired. Such cards include a credit card and a card other than the credit card (hereinafter referred to as “non-credit card”). Specific examples of the non-credit card include, for example, an examination ticket issued by a medical institution, a patient card, and a membership card issued by a store. Such a card is accepted by inserting the card into a card reader 2 (see FIG. 1) that reads information stored in the card or holding the card over the card reader 2.

  FIG. 1 is a block diagram schematically showing the configuration of the card processing device 1 according to the present embodiment. The card processing apparatus 1 according to the present embodiment includes a card information acquisition unit 10, a specification unit 20, a type information acquisition unit 30, a processing setting unit 40, a processing unit 50, and an output unit 60. The functional unit is constructed by hardware and / or software with the CPU as a core member in order to process the received card described above.

  The card information acquisition unit 10 acquires card information stored in the accepted card. As described above, the card is received by the card reader 2 in the present embodiment. For this reason, the card information stored in the accepted card corresponds to the card information stored in the card received by the card reader 2. When the card is a credit card, the card information corresponds to, for example, information (for example, credit card number or card company information) used when using the credit function, and the card is a non-credit card. In this case, for example, information (for example, an identification number, date of birth, etc.) that can identify the card holder corresponds. The card information is read by the card reader 2 and transmitted to the card information acquisition unit 10. The card reader 2 may be mounted on the card processing apparatus 1 or may be provided separately from the card processing apparatus 1.

  The step of acquiring the card information stored in the received card is referred to as a card information acquisition step in the card processing method for processing the received card that is the received card. The card information acquired by the card information acquisition unit 10 is transmitted to the specifying unit 20 and the processing unit 50 described later.

  The identifying unit 20 identifies the type of accepted card from the card information. As described above, when the card is a credit card, the card information includes credit card information such as a credit card number. On the other hand, when the card is a non-credit card, the card information includes a number that can identify the owner of the card. Whether or not the card information is a credit card can be determined by the format of the card information. When the format of the card information is that of credit card information, the specifying unit 20 specifies that the type of the accepted card storing the card information is a credit card, and the format of the card information is that of the credit card information Otherwise, the type of accepted card storing the card information is specified as a non-credit card.

  The step of obtaining the card information stored in such a received card is referred to as a specific step in the card processing method. The identification result by the identification unit 20 is transmitted to the process setting unit 40 described later.

  The type information acquisition unit 30 acquires type information indicating the type of card to be received. The card to be received is a card that requires the card reader 2 to read the card information in a situation where the card owner has come to use the card. Specifically, when a user needs to read a credit card in order to pay money, the card to be accepted is a credit card, and is not used when the user accepts medical examinations at a medical institution. Credit card. Therefore, the type information indicating the type of the card to be received corresponds to information indicating a credit card or a non-credit card. Here, such a card to be accepted varies depending on the situation of the user such as acceptance and payment. The situation of the user can be specified by, for example, an input from an administrator of the host system (not shown) or the card processing device 1, and in the present embodiment, the type information acquisition unit 30 sets such type information as these It is acquired from an input device (not shown) that has received an input from the administrator of the host system or the card processing device 1.

  The step of acquiring the type information indicating the type of the card to be accepted is referred to as a type information acquiring step in the card processing method. The type information acquired by the type information acquisition unit 30 is transmitted to the process setting unit 40 described later.

  The process setting unit 40 sets the process for the card information based on the type of the accepted card and the type information. The type of the accepted card is transmitted as a specific result from the specifying unit 20 described above. The type information is transmitted from the type information acquisition unit 30 described above. “Set processing for card information” sets, for example, instruction information for setting the output destination of card information to the outside, or instructing the processing unit 50 (to be described later) to execute encryption of card information. This is equivalent.

  FIG. 2 shows an example of processing for card information based on the type of accepted card and the type of card to be accepted (type information). When the type of the card to be accepted is the type of the card whose card information should not be encrypted and the type of the accepted card is the type of the card to be encrypted, the process setting unit 40 erases the card information as a process. Set the process. “When the card type to be accepted is a card type whose card information should not be encrypted” corresponds to “when the card type to be accepted is a non-credit card”. “When the received card type is the type of the card to be encrypted” corresponds to “when the received card is a credit card”. In this case, originally a non-credit card should have been used, but the credit card is used by mistake, and the card information stored in the credit card is read by the card reader 2, so that the # in FIG. 2, the process setting unit 40 sets an erasure process so that the card information acquired by the card information acquisition unit 10 is deleted. In addition to the erasure process, processing (encryption, reducing the number of digits in the credit number, etc.) may be performed.

  Further, when the type of the card to be accepted is the type of the card whose card information should not be encrypted, and the type of the accepted card is the type of the card to be encrypted, the process setting unit 40 determines that the accepted card is It is also possible to configure so as to set an explicit process that clearly indicates the type of card to be encrypted. That is, the process setting unit 40 is configured to set an explicit process that clearly indicates that a credit card has been used (for example, performs error notification) when a non-credit card should have been used. Is also possible (# 3 in FIG. 2).

  In addition, when the type of the card to be accepted is the type of the card whose card information should be encrypted, and the type of the accepted card is the type of the card that should not be encrypted, the process setting unit 40 performs processing. An explicit process is set to clearly indicate that the received card is a card type that should not be encrypted. “When the type of card to be accepted is the type of card whose card information should be encrypted” corresponds to “when the type of card to be accepted is a credit card”. “When the received card type is a card type that should not be encrypted” corresponds to “when the received card is a non-credit card”. In this case, in order to clearly indicate that the credit card should have been used originally, but the non-credit card has been used by mistake, the process setting unit 40 explicitly indicates as shown by # 4 in FIG. Set processing (for example, error notification).

  In addition, when a credit card should be used originally, even if a non-credit card is used by mistake, the card processing device 1 may transmit the acquired card information to the outside. In this case, as indicated by # 5 in FIG. 2, the process setting unit 40 sets the encryption process so that the card information acquired by the card information acquisition unit 10 is encrypted, and further the encryption An external transmission process (the process for setting the output destination of the card information to the outside) may be set so that the card information is transmitted to the outside.

  When the type of the card to be accepted is the type of the card whose card information should be encrypted, and the type of the accepted card is the type of the card to be encrypted, the process setting unit 40 encrypts the process as a process. Set the conversion process. “When the type of card to be accepted is the type of card whose card information should be encrypted” corresponds to “when the type of card to be accepted is a credit card”. “When the received card type is the type of the card to be encrypted” corresponds to “when the received card is a credit card”. In this case, since the credit card is appropriately used under the circumstances where the credit card should be used, the process setting unit 40 performs the encryption process so that the card information acquired by the card information acquisition unit 10 is encrypted. Set (# 1 in FIG. 2). In this case, an external transmission process (the process for setting the output destination of the card information to the outside) may be set so that the process setting unit 40 transmits the encrypted card information to the outside.

  Furthermore, when the type of the card to be accepted is the type of the card whose card information should not be encrypted, and the type of the accepted card is the type of the card that should not be encrypted, the process setting unit 40 performs encryption as the process. Set the external transmission process for external transmission without conversion. “When the card type to be accepted is a card type whose card information should not be encrypted” corresponds to “when the card type to be accepted is a non-credit card”. “When the received card type is a card type that should not be encrypted” corresponds to “when the received card is a non-credit card”. In this case, since the non-credit card is appropriately used under the circumstances where a non-credit card is to be used, the process setting unit 40 does not encrypt the card information acquired by the card information acquisition unit 10. External transmission processing is set so as to transmit to the outside (# 6 in FIG. 2).

  The step of setting the process for the card information based on the type of the received card and the type information is referred to as a process setting step in the card processing method.

  Returning to FIG. 1, the processing unit 50 receives the processing set by the processing setting unit 40 as processing information from the processing setting unit 40 described above. The processing unit 50 deletes the card information acquired by the card information acquisition unit 10 when the information indicating the erasure processing is transmitted as processing information from the processing setting unit 40. In addition, when the information indicating the explicit processing is transmitted as the processing information from the processing setting unit 40, the processing unit 50 clearly indicates, for example, an error notification. In this case, the card can be returned to the user as an error notification. Further, when the instruction information indicating the encryption processing is transmitted as the processing information from the processing setting unit 40, the processing unit 50 encrypts the card information using a predetermined encryption key, and processes the processing information from the processing setting unit 40 together. When the instruction information indicating the external transmission process is transmitted as information, the encrypted card information is transmitted to the output unit 60 described later. Further, the processing unit 50 encrypts the card information when the instruction information indicating the external transmission processing is transmitted as the processing information from the processing setting unit 40 without transmitting the instruction information indicating the encryption processing. Instead, the encrypted card information is transmitted to the output unit 60 described later.

  The output unit 60 outputs card information. Card information subjected to predetermined processing is transmitted from the processing unit 50 described above to the output unit 60. The output unit 60 outputs the card information. In this case, the process setting unit 40 may set an output process for outputting information based on the card information via the output unit 60 based on the type of received card and the type information. Information based on card information includes both information obtained by encrypting card information and information not encrypted (that is, plain text of card information). When the process setting unit 40 sets such an output process, the output unit 60 can output card information corresponding to the output process.

2. Automatic transaction apparatus The above-described card processing apparatus 1 can be applied to an automatic transaction apparatus that performs an automatic transaction. The automatic transaction device corresponds to, for example, a payment machine such as a medical fee payment device of a medical institution, a ticket vending machine, an ATM (automatic teller machine), or the like. FIG. 3 shows a block diagram of a medical fee payment apparatus 3 which is an example of an automatic transaction apparatus.

  In the example of FIG. 3, the medical fee payment device 3 includes a card information processing device 4 and a terminal 5. The card information processing device 4 includes a card reader 2 and a card processing device 1 (substrate). The card reader 2 functions as a card receiving unit that receives a card. The card reader 2 not only reads the card information stored in the card, but also functions as a writer that writes information to the card. When a credit card is used as the card, the card reader 2 settles the medical expenses. It also functions as a processing unit. Note that the card processing device 1 as a substrate may be built in the card reader 2.

  In the example of FIG. 3, the card processing apparatus 1 is mounted on a substrate, communicates with the card reader 2, and transmits and receives various information. Such communication is performed via the communication unit 71. The communication unit 71 is preferably configured to include the functions of the card information acquisition unit 10 and the output unit 60 of the card processing device 1 described above.

  Further, the communication unit 71 transmits and receives various types of information to and from the control unit 72, and processing is instructed from the control unit 72. Therefore, the communication unit 71 functions as the acquisition unit 91. In the present embodiment, the acquisition unit 91 acquires card information output from the output unit 60 as output card information. The card information output from the output unit 60 corresponds to credit card information in the case of a credit card, and corresponds to an identification number used to identify the user in the case of a medical examination ticket. The acquisition unit 91 acquires what kind of information the card information output from the output unit 60 is. This information corresponds to output card information. The control unit 72 is preferably configured to include the functions of the specifying unit 20, the type information acquiring unit 30, the process setting unit 40, and the processing unit 50 of the card processing device 1 described above. When the card reader 2 is mounted on the card processing device 1, the card reader 2 constitutes the acquisition unit 91.

  The card processing device 1 is also provided with a storage unit 73. The storage unit 73 stores a credit card format and a card determination program. Here, the credit card format indicates a data format of the credit card. The credit card format stores various credit card formats, and is used by the control unit 72 (specifying unit 20) when appropriately specifying whether or not the card read by the card reader 2 is a credit card. Is done. The card determination program is a program used when the control unit 72 (specifying unit 20) specifies whether or not the card read by the card reader 2 is a credit card. The card determination program is stored in the storage unit 73 via, for example, an external storage unit (for example, a DVD-ROM or a memory).

  The terminal 5 corresponds to a payment terminal where a user pays for medical expenses. The terminal 5 transmits and receives various information via the communication unit 71 and the communication unit 81 of the card processing device 1. The terminal 5 includes an operation display unit 82 having a touch panel function, a personal identification number input unit 83 for inputting a personal identification number when using a credit card, cash and fishing paid when the medical fee is paid in cash. Is provided with a valuable medium processing unit 84 for managing the above. The functional units of the communication unit 81, the operation display unit 82, the personal identification number input unit 83, and the valuable medium processing unit 84 are controlled by the control unit 85, and processing related to payment of medical expenses is performed. Instead of the operation display unit 82, a voice guidance may be provided, or a password input unit 83 may be built in the operation display unit 82.

  The medical fee payment device 3 communicates with the medical accounting system 6 provided in the hospital via the communication unit 81 to acquire medical fee information indicating the medical fee of the user who pays the medical fee. In addition, the medical fee payment device 3 communicates with the processing center 7 provided inside or outside the hospital via the communication unit 81, and when the user is requested to pay the medical fee with a credit card, Obtain examination result information indicating the examination result relating to payment by credit card.

  Here, it is preferable that the terminal 5 includes the output destination setting unit 92. The output destination setting unit 92 sets an output destination for outputting at least a part of the output card information (for example, encrypted information or only an identification number) according to the type of card to be received. Output card information acquired by the acquisition unit 91 and type information indicating the type of card to be received are transmitted to the output destination setting unit 92. The output destination corresponds to, for example, the medical accounting system 6 or the processing center 7 described above. When the type of card to be accepted is a credit card, the output destination setting unit 92 sets the processing center 7 as an output destination of credit card information in the output card information, and the card to be accepted is a non-credit card. In this case (when it is a medical examination ticket), the medical accounting system 6 is set as an output destination of information necessary for specifying the user among the output card information. Thereby, it is possible to prevent unnecessary information from being transmitted to the medical accounting system 6 or the like in the process of accepting a credit card, for example.

  Next, processing in the medical fee payment apparatus 3 will be described using a flowchart. FIG. 4 shows a flowchart when the card to be received is a non-credit card. First, a card receiving process is performed by the card reader 2 (step # 101). The card reader 2 reads information stored in the card, encrypts the card information, and transmits it (step # 102).

  The encrypted card information (encrypted information) is transmitted to the substrate (card processing apparatus 1) and received by the communication unit 71 (step # 103). In addition, when a board | substrate is incorporated in the card reader 2, the card information which the communication part 71 acquires may be a plaintext. The encryption information received by the communication unit 71 is decrypted by the control unit 72 (step # 104). The control unit 72 specifies the type of the card (accepted card) that has been received by the card reader 2 from the decrypted card information.

  When the type of the accepted card is a credit card (step # 105: Yes), an error notification is transmitted to the control unit 85 of the terminal 5 via the communication unit 71 and the communication unit 81, and the card information is transmitted to another device. (Step # 114). The control unit 85 performs a card return process (step # 115) and ends the process.

  In step # 105, when the type of the accepted card is not a credit card (step # 105: No), the card information is transmitted to the terminal 5 in plain text via the communication unit 71 without being encrypted (step # 106). ).

  In the terminal 5, the communication unit 81 receives card information composed of plain text (step # 107). The received card information is transmitted to the control unit 85 of the terminal 5, and a patient number extraction process is performed from the card information (step # 108). In this extraction, a predetermined digit determined for each hospital in the card information is acquired as a patient number. The extracted patient number is transmitted to the medical accounting system 6 in plain text (step # 109).

  When receiving the patient number (step # 110), the medical accounting system 6 acquires the payment information of the medical expenses of the patient (user) related to the patient number and transmits it to the terminal 5 (step # 111).

  When the terminal 5 acquires the payment information from the medical accounting system 6 (step # 112), the terminal 5 performs an accounting process (step # 113), the user collects the card, and the process ends.

  Here, whether or not it is a credit card is specified in step # 105. Since the format of the credit card is unified, it can be easily determined whether or not it is a credit card based on the card information. On the other hand, since the format of the examination ticket and the membership card is not unified, it cannot be determined from the card information. For this reason, if the format is a credit card format, it is preferable to specify that the format is a credit card, and otherwise specify that the format is not a credit card.

  When the card reader 2 is mounted on the card processing device 1, step # 102 and step # 103 may be omitted.

  Next, processing when the card to be received is a non-credit card will be described with reference to the flowchart of FIG. Also in this case, first, a card receiving process is performed by the card reader 2 (step # 201). The card reader 2 reads information stored in the card, encrypts the card information, and transmits it (step # 202).

  The encrypted card information (encrypted information) is transmitted to the substrate (card processing apparatus 1) and received by the communication unit 71 (step # 203). In addition, when a board | substrate is incorporated in the card reader 2, the card information which the communication part 71 acquires may be a plaintext. The encryption information received by the communication unit 71 is decrypted by the control unit 72 (step # 204). The control unit 72 specifies the type of the card (accepted card) that has been received by the card reader 2 from the decrypted card information.

  When the type of the accepted card is a credit card (step # 205: Yes), the card information related to the credit card is encrypted (step # 206). This encryption is performed by a predetermined encryption method. On the other hand, when the type of the accepted card is a non-credit card (for example, when it is a medical ticket) (step # 205: No), the card information related to the medical card is encrypted (step # 206). Also at this time, the data is encrypted by the predetermined encryption method.

  The control unit 72 transmits the encrypted information to the terminal 5 via the communication unit 71 (step # 207), and the control unit 85 of the terminal 5 receives the encrypted information via the communication unit 81 ( Step # 209). The control unit 85 transmits the encrypted information to the processing center 7 via the communication unit 81 (step # 210). At this time, the control unit 85 encrypts and transmits with an encryption method different from the predetermined encryption method (the encryption method in steps # 202 and # 206).

  The processing center 7 combines the received card information. The processing center 7 performs authorization determination (card user credit confirmation) based on the decrypted card information (step # 211), and transmits an authorization determination result to the terminal 5 (step # 212). At this time, the authorization determination result is transmitted after being encrypted with an encryption method (encryption method according to step # 210) different from the predetermined encryption method (encryption method at steps # 202 and # 206). .

  When the terminal 5 receives the authorization determination result (step # 213) and the authorization determination result indicates that the credit card is valid (step # 214: Yes), a predetermined settlement process (processing center) 7 and payment processing via communication with the card company) (step # 215), and the processing ends. On the other hand, if the authorization determination result does not indicate that the credit card is valid (step # 214: No), a credit card return process is performed (step # 216), and the process ends.

  In step # 205, it is shown that the credit card is specified. However, the card information decrypted in # 204 is encrypted by a predetermined encryption method without performing the process of # 205. (Step # 206).

  Further, although it has been shown that the authorization determination of the credit card is performed at the processing center 7, it can be configured to be performed at the terminal 5.

  Moreover, in step # 205, when the type of the accepted card is a non-credit card (for example, when it is a medical examination ticket) (step # 205: No), without encrypting the card information related to the medical examination ticket, It is also possible to perform a card return process (step # 216).

  When the card reader 2 is mounted on the card processing device 1, step # 202 and step # 203 may be omitted.

3. Card Information Reading Process In the card processing device 1 and the automatic transaction device, the card information has been described as being read by the card reader 2 and transmitted to the card information acquisition unit 10. Here, a card information reading process will be described.

  Conventionally, a card reader in which information (card information) stored in an IC chip incorporated in a card is read from a location where information (card information) stored via a magnetic stripe is read from each other is used. It has been. In this type of card reader, information stored in the IC chip is read by inserting the card into the card slot, and information stored via the magnetic stripe is read by sliding the card to the magnetic reading unit.

  On the other hand, fallback processing is possible in transactions using credit cards. Fallback processing is a credit card that uses an IC chip in a credit card, but the IC chip data cannot be read for some reason, such as damage to the IC chip or IC chip reader. It is a process to perform. When doing a transaction with a credit card in a store, if a fallback process is permitted, if the credit card is returned from the card slot due to the IC chip not being incorporated in the credit card, the return The credit card is re-slid to the magnetic reading unit to read the card information through the magnetic stripe, and the credit card is settled.

  Generally, since it is not easy to determine whether an IC chip is mounted on a card, it is usually necessary to first read the IC chip in the card slot, and the card inserted in the card slot When the IC chip is not mounted on the magnetic reading unit, the magnetic reading process must be performed by the magnetic reading unit. In such a case, since the credit card reading operation is performed twice, it is troublesome for the user and the processing related to the transaction becomes complicated. Further, the time required for the transaction becomes longer by the operation time.

  Therefore, when the card reader 2 reads the card information in the card processing apparatus 1 or the automatic transaction apparatus described above, the reading of the IC chip and the reading of the magnetic stripe can be performed by a single reading operation by the user. Such a configuration is preferable. Specifically, the card reader 2 is configured to read the card information stored magnetically through the magnetic stripe, and to read the card information stored in the IC chip immediately after the reading. Of course, it is also possible to read the card information stored magnetically and the card information stored in the IC chip at the same time. With such a configuration, when the card information is read from the IC chip (for example, when the card information acquisition unit 10 acquires the card information stored in the IC chip), the transaction (card When the card information cannot be read from the IC chip (for example, when the card information acquisition unit 10 does not acquire the card information stored in the IC chip), the transaction (card payment) ) Can be performed.

  This eliminates the need for the user to read the credit card twice (even if the user uses a magnetic-only credit card (credit card without an IC chip incorporated) ( The processing related to the user's operation and transaction can be simplified, and the user's erroneous operation and the operation time can be prevented from being prolonged.

  In addition, when performing card payment using the card information stored in the IC chip, the card information read through the magnetic stripe is illegal, for example, by performing a matching process with the card information read through the magnetic stripe. It is also possible to confirm whether it has been rewritten.

  In order to realize the above configuration, a so-called self-propelled card reader configured to automatically read card information by inserting a card into a reading unit provided in the card reader 2 may be used. . Specifically, it is preferable to use a card reader 2 that can read card information stored in an IC chip and card information stored magnetically through a magnetic stripe simply by inserting a card in the reading unit.

  FIG. 6 is a flowchart showing the processing of the above configuration. First, guidance is provided to insert a credit card in the reading unit of the card reader (self-propelled card reader) 2 through voice or operation screen display (step # 301). The card reader 2 reads the card information stored in the IC chip of the credit card inserted in the reading unit and the card information stored magnetically (step # 302).

  When the information (credit card information) used for credit settlement can be read via the IC chip (step # 303: Yes), as described in the card processing apparatus 1 and the automatic transaction apparatus, Based on the stored card information, a credit card settlement process is performed (step # 304), and the card is returned (step # 306). On the other hand, when the information (credit card information) used for credit settlement cannot be read via the IC chip (step # 303: No), the card information stored magnetically is read via the magnetic stripe, Based on the card information, a credit card settlement process is performed (step # 305), and the card is returned (step # 306). By performing processing along the above flow, the above-described configuration can be realized.

4). Other Embodiments In the embodiment described above, the card processing device 1 includes the card information acquisition unit 10, the identification unit 20, the type information acquisition unit 30, the process setting unit 40, the processing unit 50, and the output unit 60. Although described as being configured, it is also possible to divide these functional units into a plurality of devices. In such a case, it can be realized as a card processing system including the card information acquisition unit 10, the identification unit 20, the type information acquisition unit 30, the processing setting unit 40, the processing unit 50, and the output unit 60. Since the configuration of each functional unit is the same as that of the card processing apparatus 1, description thereof is omitted.

  In the above embodiment, the card processing device 1 and the card processing method have been described. However, the card processing apparatus 1 and the card processing method may be configured as a card processing program for causing a computer to execute processing of an accepted card that is an accepted card. Such a card processing program includes a card information acquisition unit 10, a specification unit 20, a type information acquisition unit 30, and a process setting unit 40 in the card processing device 1. By adopting the process setting process, it is possible to achieve the same effects as the card processing apparatus 1 without substantially different from the card processing apparatus 1 described above.

  In the said embodiment, although the card processing apparatus 1 demonstrated as having comprised each function part of the card information acquisition part 10, the identification part 20, the classification information acquisition part 30, and the process setting part 40, the said card | curd process is demonstrated. It can be said that the device 1 includes a card information acquisition unit 10, a specifying unit 20, and a determination unit. Since the card information acquisition unit 10 and the identification unit 20 are the same as those in the above embodiment, description thereof is omitted. The determination unit is configured to determine whether or not to continue the transaction using the accepted card based on the type of the received card, and to determine whether or not to continue the transaction for at least two types of card types. At least two types of cards are a credit card and a non-credit card (for example, a medical examination ticket). As described above, when the accepted card is a credit card, the card processing apparatus 1 determines to perform, for example, a medical fee payment process, and when the accepted card is a non-credit card, It is determined to perform the medical examination process. In this way, the card processing device 1 can be paraphrased.

  In the above embodiment, “credit card” has been described as an example of “card whose card information should be encrypted”, but this is merely an example, and for example, “my number card” may be used. . In such a case, it is possible to appropriately protect the information stored in the My Number Card (its IC chip). Of course, it is also possible to apply to other cards as “cards whose card information should be encrypted”.

  In the above-described embodiment, a non-credit card has been described by taking an examination ticket as an example, but other membership cards may be used. It is also assumed that a credit card is used as a membership card (membership card). In this case, the card information (credit number or the like) stored in the credit card may be encrypted and handled to authenticate whether or not the member is a member.

  In the above embodiment, the processing in the medical expense payment device 3 has been described with reference to the flowchart of FIG. Here, the storage area of the credit card IC chip has an area (free area) that can be used by member stores and card issuing companies, and a number or the like that can identify the credit card owner can be written in the free area. It has become. This identifiable number can be handled as card information stored in a non-credit card.

  FIG. 7 is a flowchart showing processing in such a case. Here, only processing different from that in FIG. 4 will be described. In step # 105 of FIG. 7, when the type of the accepted card is a credit card (step # 105: Yes), the specifying unit 20 determines whether or not the identifiable information is recorded in the free area. Is confirmed (step # 150). When identifiable information is recorded in the free area (step # 150: Yes), the information (card information) is not encrypted and is sent to the control unit 85 of the terminal 5 as with the non-credit card data. It is transmitted as plain text (step # 151). When receiving the plaintext (step # 152), the control unit 85 performs a predetermined member service (step # 153) and ends the process. On the other hand, when no identifiable information is recorded in the free area (step # 150: No), the processing is continued from step # 114. Information to be encrypted (information stored outside the free area) may be encrypted and transmitted to the control unit 85 of the terminal 5 according to the flowchart shown in FIG.

  In the said embodiment, although the card processing apparatus 1 was demonstrated and demonstrated as the example applied to the automatic transaction apparatus which pays medical expenses using a medical examination ticket, for example in the apparatus which performs payment using member cards, such as karaoke It is also possible to apply.

  Note that the processing in the above embodiment may be configured to perform processing that reduces the amount of card information.

  INDUSTRIAL APPLICABILITY The present invention can be used for an automatic transaction apparatus that automatically performs transactions, an automatic transaction system that automatically performs transactions, an automatic transaction method, and an automatic transaction program.

2: Card reader (card reception part)
3: Medical fee payment device (automatic transaction device)
10: Card information acquisition unit 20: Identification unit 30: Type information acquisition unit 40: Processing setting unit 50: Processing unit 92: Output destination setting unit

Claims (11)

A card reception unit for receiving cards;
A card information acquisition unit for acquiring card information stored in the received card received by the card reception unit;
A specifying unit for specifying the type of the accepted card based on the format of the card information;
A type information acquisition unit for acquiring type information indicating the type of card to be accepted;
A processing setting unit that switches processing for the card information based on the type of the accepted card and the type information;
An automatic transaction apparatus comprising:   The automatic transaction apparatus according to claim 1, wherein the type information acquisition unit acquires type information indicating whether a type of a card to be received is a card for which the card information is to be encrypted or a card for which the card information is not to be encrypted. .   The processing setting unit performs processing for the card information based on the received card type and the type information, erase processing of the card information, explicit processing for specifying the card type, and encrypting the card information. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is switched to an encryption process to be converted and an external transmission process to encrypt the card information and transmit the card information to the outside.   The automatic transaction apparatus according to any one of claims 1 to 3, further comprising a processing unit that executes processing for the card information based on the processing information switched by the processing setting unit. The type of card that should be accepted is the type of card that should not encrypt the card information,
5. The automatic transaction apparatus according to claim 4, wherein, when the type of the accepted card is a type of a card to be encrypted, the processing unit clearly indicates that the accepted card is a type of the card to be encrypted. 6. . The type of card to be accepted is the type of card to which the card information should be encrypted,
6. The processing unit according to claim 4 or 5, wherein when the type of the accepted card is a type of a card that should not be encrypted, the processing unit clearly indicates that the accepted card is a type of the card that should not be encrypted. Automatic transaction equipment.   The automatic transaction apparatus according to any one of claims 4 to 6, wherein the processing unit outputs at least a part of the card information to the outside according to a type of the card to be received.   The automatic transaction apparatus according to claim 7, further comprising an output destination setting unit that sets an output destination for outputting at least a part of the card information to the outside according to a type of the card to be received. A card reception unit for receiving cards;
A card information acquisition unit for acquiring card information stored in the received card received by the card reception unit;
A specifying unit for specifying the type of the accepted card based on the format of the card information;
A type information acquisition unit for acquiring type information indicating the type of card to be accepted;
A switching unit that switches processing for the card information based on the type of the accepted card and the type information;
An automatic transaction system comprising: An automatic transaction method in an automatic transaction apparatus,
A card reception step for receiving a card;
A card information acquisition step of acquiring card information stored in the received card received in the card reception step;
A specific step of identifying the type of the accepted card based on the format of the card information;
A type information acquisition step for acquiring type information indicating the type of card to be accepted;
A switching step of switching processing for the card information based on the type of the accepted card and the type information;
An automatic transaction method comprising: A card acceptance process for accepting a card;
Card information acquisition processing for acquiring card information stored in the received card received in the card reception processing;
Specific processing for identifying the type of the accepted card based on the format of the card information;
Type information acquisition processing for acquiring type information indicating the type of card to be accepted;
A switching process for switching the process for the card information based on the type of the accepted card and the type information;
An automatic transaction program comprising:

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