JP3573426B2 - Card processing device and card payment system - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a card processing device and a card payment system.
[0002]
[Prior art]
At present, various cards functioning as settlement means instead of cash, for example, credit cards, cash cards used for debit card settlement, prepaid cards, and the like are widely used. As these cards, a magnetic card, a contact type IC (Integrated Circuit) card, a non-contact type IC card and the like are employed.
[0003]
For these cards, data is read or written by a corresponding card processing device (payment terminal). As shown in FIG. 8, a magnetic card reads data stored in a magnetic stripe by a magnetic card processing device 101 connected to a POS (Point of Sales) terminal 100. Data is read from or written to the IC chip by the contact type IC card processing device 102 connected to the card processing device. In the non-contact type IC card, data is read from or written to the IC chip by a non-contact type IC card processing device (not shown) connected to the POS terminal 100.
[0004]
For example, in the credit settlement using a credit card, first, a clerk or a customer determines the type of the credit card (for example, a magnetic card, a contact IC card, a non-contact IC card, and the like). Then, the clerk inserts the credit card into a card processing device corresponding to the type of credit card, and reads data from the credit card. Thus, the clerk, the customer, and the like need to determine the type of the card.
[0005]
[Problems to be solved by the invention]
However, it is difficult to easily determine the type of a card as various cards are widely used in various fields and new types of cards are being developed one after another.
In particular, a non-contact type IC card has a built-in IC chip, and the IC chip cannot be confirmed from the external appearance. Therefore, it is difficult to judge the type of the card unless a clerk or customer who has some knowledge of the card has some knowledge. That is, judging the type of card is a difficult task for the clerk and the customer, and also a troublesome task. In addition, since the clerk reads or writes data from or to the card using a card processing device corresponding to each type of card, the operation of the device is difficult. Due to these factors, there is also a problem that the customer spends time in the settlement processing and waits for the customer.
[0006]
SUMMARY OF THE INVENTION It is an object of the present invention to provide a card processing device that allows a clerk, a customer, or the like to read or write data on a card without being conscious of the type of card.
[0007]
[Means for Solving the Problems]
The present invention, MagneticCard having at least one of a stripe and an IC chipA housing having a card passage inside which the card is conveyed, a front opening provided on the front of the housing and communicating with the card passage, and the card inserted through the front opening.CardSaidA card transport mechanism (for example, a pair of rollers that rotates while opposing the card path therebetween) that transports along the card path;SaidConveyed by card transport mechanismSaidA magnetic card reader for reading data stored on a magnetic stripe of the card,SaidThe card was transported to the reading position by the card transport mechanismSaidA contact-type IC card reader / writer for reading data from or writing data to the IC chip by contacting the IC chip of the card;Not being drawn by the card transport mechanismReads or writes data to and from the IC chip of the card without contact via radio wavesLocated in a position facing the card inserted into the front opening so that it can beA non-contact type IC card reader / writerEven if the card is of a type in which data is read or written by the non-contact type IC card reader / writer, the card inserted into the front opening is pulled in by the card transport mechanism.
[0008]
Therefore, data can be read from or written to all types of cards (for example, magnetic cards, contact IC cards, and non-contact IC cards, etc.) inserted from the front opening.
[0009]
BEST MODE FOR CARRYING OUT THE INVENTION
Of the present inventionReference exampleWill be described with reference to FIGS. 1 to 5. BookReference exampleIs an example in which a payment terminal is applied as a card processing device. FIG. 1 is an external perspective view schematically showing the payment terminal 1 viewed from the front side, FIG. 2 is an external perspective view schematically showing the payment terminal 1 viewed from the back side, and FIG. FIG.
[0010]
The settlement terminal 1 has a main body casing 4 as a housing composed of a box-shaped bottom cover 2 and a top cover 3 provided above the bottom cover 2. A front surface of the main body casing 4 (a front side in FIG. 1 is a front side) has a long slit shape in the horizontal direction, communicates the inside and the outside of the main body casing 4, and inserts / discharges the card C. Front communication port 5 is provided. This is the front opening. On the other hand, as shown in FIG. 2, the rear face of the main casing 4 has a long slit shape in the horizontal direction, connects the inside and the outside of the main casing 4, and inserts the card C in the same manner as the front communication port 5. A rear communication port 6 for discharging / discharging is provided. This is the back opening. The rear communication port 6 is positioned so that the height from the installation surface of the main casing 4 is the same as the front communication port 5. In other words, although details will be described later,Reference exampleThe settlement terminal 1 has a configuration in which the card C can be inserted / ejected bidirectionally through the front communication port 5 and the rear communication port 6. And bookReference exampleThe settlement terminal 1 is installed with the front communication port 5 of the main casing 4 facing the customer and the rear communication port 6 of the main casing 4 facing the clerk who is the operator.
[0011]
Here, the card C inserted / ejected to / from the settlement terminal 1 through the front communication port 5 will be described. BookReference exampleIs a credit card or a debit card (cash card) having at least one of a magnetic stripe S and an IC chip T. The credit card stores customer data such as a card number for credit settlement and a personal identification number. The debit card stores customer data such as the bank account number of the customer who owns the card and a password set when the account was opened. FIG. 1 shows a card C having the magnetic stripe S and the IC chip T for schematically illustrating the positions of the magnetic stripe S and the IC chip T. The illustrated IC chip T is a contact-type IC chip T, and its surface is an external contact terminal. In many cases, a non-contact type IC chip (not shown) is built in the card C, and an antenna (not shown) of the IC chip is also built in the card C.
[0012]
An illustration 7 for guiding the insertion direction of the card C is provided near the front communication port 5 of the main casing 4. The illustration 7 guides the insertion direction of the card C so that the card C is inserted in the same direction as that indicated by a mark such as an arrow on the card C. Similarly, an illustration 8 for guiding the insertion direction of the card C is provided near the rear communication port 6 of the main body casing 4. The illustration 8 guides the insertion direction of the card C so that the card C is inserted in the direction opposite to the direction indicated by the mark such as the arrow on the card C. When the card C having at least one of the magnetic stripe S and the IC chip T is inserted according to the display of the illustrations 7 and 8, the magnetic stripe S or the IC chip T of the card C passes through the same position. Will do.
[0013]
Further, LEDs 9 are provided near the front communication port 5 and near the rear communication port 6 of the main body casing 4, respectively. BookReference exampleThe payment terminal 1 can notify the operating state of the payment terminal 1 to an operator such as a customer or a clerk by lighting or blinking these LEDs 9.
[0014]
In addition, an operator switch 10 for receiving an operation by an operator is provided near the back communication port 6 of the main body casing 4 in order to set the payment processing mode of the payment terminal 1 to the credit payment processing mode or the debit payment processing mode. ing. Note that two operator switches 10 are provided at both ends of the main body casing 4 with the rear communication port 6 interposed therebetween. Providing two operator switches 10 in this manner may make it difficult for the operator to operate from either the left or right depending on the installation location of the payment terminal 1, and therefore, the operator can operate the switch from both the left and right directions of the rear communication port 6. This is for facilitating the operation of the operator.
[0015]
On an upper surface of the main casing 4, a keyboard 11 for receiving an operation by an operator such as a customer is provided. On the keyboard 11, numeric keys from "0" to "9", an enter key, a cancel key, various function keys, and the like are arranged. In the card payment process described below, the settlement amount is input by operating the numeric keys from “0” to “9”.
[0016]
In addition, a liquid crystal display (LCD) 12 is provided on the back side of the keyboard 11 on the upper side of the main body casing 4 and a spindle (not shown) connected to the main body casing 4 via a free stopper (not shown). The LCD unit 13 is provided so as to be rotatable with respect to the main body casing 4 about the center of rotation. Due to the function of the free stopper, the LCD unit 13 is positioned at an arbitrary position between a lying position in which the upper surface is continuous with the upper surface of the main casing 4 and an erect position in which the LCD unit 13 stands up with respect to the main casing 4. Various operation guidance and the like are displayed on the LCD 12 of the LCD unit 13 at the time of a card payment process described later.
[0017]
As shown in FIG. 3, a card reader / writer section 14 is provided inside the main body casing 4. A card path 15 is provided in the card reader / writer section 14, and linearly communicates the front communication port 5 and the rear communication port 6. The card path 15 is provided with two pairs of rollers 16 and 17 facing each other with the card path 15 therebetween. One roller pair 16 is provided on the front communication port 5 side, and the other roller pair 17 is provided on the rear communication port 6 side. The roller pairs 16 and 17 are rotated by a motor 18 (see FIG. 4) provided in the main body casing 4 so as to convey the card C in the same direction. This is the card transport mechanism.
[0018]
The card path 15 is provided with a magnetic card reader 19 for reading data stored in the magnetic stripe S of the card C. The magnetic stripe S of the card C inserted according to the illustrations 7 and 8 is provided. Is located at a position corresponding to. The magnetic card reader 19 has a magnetic head, and has a structure in which data is read from the magnetic stripe S of the card C being conveyed by the magnetic head.
[0019]
Further, in the card path 15, a contact type IC card reader / writer 20 that contacts the IC chip T of the card C and reads or writes data to the IC chip T is provided. It is positioned at a position corresponding to the IC chip T of the card C inserted according to the display. The contact-type IC card reader / writer 20 has a contact terminal, and has a structure in which the contact terminal is brought into contact with an external contact terminal of the IC chip T to read or write data.
[0020]
In the vicinity of the front communication port, there is provided a non-contact type IC card reader / writer 21 for reading or writing data to or from an IC chip of the card C through radio waves without contact. It is located on the customer side of the front communication port 5 and at a position facing the card C inserted from the front communication port 5. Thus, the non-contact type IC card reader / writer 21 can read data from the card C first compared with the magnetic card reader 19 and the contact type IC card reader / writer 20. The non-contact type IC card reader / writer 21 has an antenna (not shown), transmits and receives radio waves between the antenna and the antenna of the IC chip, and reads or writes data without contact. It has a structure.
[0021]
In the vicinity of the front communication port 5 and near the rear communication port 6 of the card passage 15, a customer-side sensor 22 and a clerk-side sensor 23, which are transmission-type optical sensors for detecting insertion of the card C, respectively. Is provided. Further, in the vicinity of the front communication port 5 of the card passage 15, there is provided a shutter 24, which is swingable between a blocking position for blocking the card passage 15 and an opening position for opening the card passage 15, as a blocking portion. Is provided. The shutter 24 is connected to a solenoid 25 (see FIG. 4), and is selectively positioned at one of a cutoff position and an open position by ON / OFF driving of the solenoid 25. This is positioning means.
[0022]
Such a payment terminal 1 includes a main PCB (Printed Circuit Board) 26 and a sub PCB 27 on which various control circuits for driving and controlling the components included in the payment terminal 1 are mounted inside the bottom cover 2 of the main body casing 4. It has.
The main PCB 26 and the sub PCB 27 are communicably connected to each other.
[0023]
Next, the electrical connection of each unit included in the payment terminal 1 will be described with reference to FIG. FIG. 4 is a block diagram schematically showing an electrical connection of each unit included in the settlement terminal 1. As shown in FIG. 4, the payment terminal 1 includes a microcomputer (hereinafter referred to as a microcomputer) 28, and the microcomputer 28 controls the payment terminal.
Drive control of each part provided in 1 is carried out. The microcomputer 28 is provided with a CPU (Central Processing Unit) 29 for centrally controlling the driving of each unit, and a bus such as an address bus and a data bus.
Via a line 30, a ROM (Read Only Memory) 31 for storing fixed data such as a control program in advance, and a RAM (Random Access Memory) for storing variable data in a rewritable manner and serving as a work area of the CPU 29 32 are connected to each other.
[0024]
In the RAM 32, an insertion / ejection direction setting area in which an insertion direction and an ejection direction of the card C according to the settlement processing mode (credit settlement processing mode or debit settlement processing mode) of the settlement terminal 1 are set at the time of card settlement processing to be described later. (Not shown) is secured. For example, in the case of the credit settlement processing mode, the insertion direction of the card C is the front communication port 5 side, and the ejection direction of the card C is the back communication port 6 side. On the other hand, in the case of the debit settlement processing mode, the card C is inserted in the front communication port 5 side and the card C is ejected in the front communication port 5 side. Then, the microcomputer 28 controls the driving of each section based on the setting of the insertion / ejection direction setting area of the RAM 32.
[0025]
A control program is stored in the ROM 31, and when the settlement terminal 1 is started up, the control program stored in the ROM 31 is written into the RAM 32, thereby enabling the microcomputer 28 to control the driving of each unit. The components that are driven and controlled by the microcomputer 28 will be described below.
[0026]
The operator switch 10 is connected to the bus line 30 via a switch input circuit 33, and inputs a signal corresponding to a switching position to the microcomputer 28 by an operation of the switch input circuit 33. The microcomputer 28 sets the settlement processing mode of the settlement terminal 1 to the credit settlement mode or the debit settlement mode according to the output signal of the operator switch 10.
[0027]
The LED 9 is connected to the bus line 30 via a lighting control circuit 34, and when a signal from the microcomputer 28 is input to the lighting control circuit 34, the LED 9 is turned on / off according to drive control by the lighting control circuit 34.
[0028]
The keyboard 11 is connected to the bus line 30 via a keyboard input circuit 35, and inputs a signal corresponding to a key pressed by an operator such as a clerk or a customer to the microcomputer 28 by the operation of the keyboard input circuit 35.
[0029]
The LCD 12 is connected to the bus line 30 via the display control circuit 36. When display data from the microcomputer 28 is input to the display control circuit 36, the LCD 12 is driven by the display control circuit 36 to display predetermined items.
[0030]
The magnetic card reader 19 is connected to the bus line 30 via the magnetic card reader control circuit 37, and inputs a read signal to the microcomputer 28 by the operation of the magnetic card reader control circuit 37.
[0031]
The contact type IC card reader / writer 20 is connected to the bus line 30 via an IC card reader / writer control circuit 38, and inputs and outputs signals to and from the microcomputer 28 by the operation of the IC card reader / writer control circuit 38. Do.
[0032]
The non-contact type IC card reader / writer 21 is connected to the bus line 30 via an IC card reader / writer control circuit 39, and inputs and outputs signals to and from the microcomputer 28 by the operation of the IC card reader / writer control circuit 39. I do.
[0033]
The motor 18 is connected to the bus line 30 via a motor drive circuit 40, and is driven to rotate forward and reverse by the operation of the motor drive circuit 40 according to a drive signal from the microcomputer 28.
[0034]
The customer-side sensor 22 and the clerk-side sensor 23 are connected to the bus line 30 via sensor input circuits 41 and 42, respectively, and operate the sensor input circuits 41 and 42 to output a detection signal indicating the presence or absence of the card C to the microcomputer 28. To enter.
[0035]
The solenoid 25 is connected to the bus line 30 and is driven ON / OFF according to a drive signal from the microcomputer 28.
[0036]
Further, the settlement terminal 1 has a built-in printer 43, which is driven and controlled by the microcomputer 28. The printer 43 is connected to the bus line 30 via a printer control circuit 44. When print data from the microcomputer 28 is input to the printer control circuit 44, the printer 43 is driven by the printer control circuit 44 and outputs a credit slip or a usage slip. Issue
[0037]
Further, a communication I / F 45 that controls communication with a relay center, such as a credit and finance information switching system (CAFIS) X, is connected to the microcomputer 28 via a bus line 30. Thus, the settlement terminal 1 is connected to the computer of the credit company Y or the computer of the bank Z via the CAFISX by a communication line.
[0038]
In such a configuration, a function of causing the microcomputer 28 to execute the control program stored in the ROM 31 built in the settlement terminal 1 will be described. The bookReference exampleIn the following, description of the same processing as that performed by the conventional payment terminal 1 will be omitted. BookReference exampleThe flow of the card payment process, which is a characteristic function of the payment terminal 1, is described below. Here, FIG. 5 is a flowchart schematically showing the flow of the card settlement process.
[0039]
As shown in FIG. 5, the card payment process first waits for the input of a payment amount by a numeric key on the keyboard 11 (N in step S1). When the payment terminal 1 is used by being connected to a POS terminal or the like, the payment amount is input from the POS terminal.
[0040]
When it is determined that the settlement amount has been input by operating the numeric key of the keyboard 11 (Y in S1), the operator operates the operator switch 10 to settle the settlement processing mode of the settlement terminal 1 (credit settlement processing mode or The process waits until it is determined that the debit payment mode has been set (N in S2). At this time, a message prompting this setting is displayed on LCD 12. The setting is performed by the operator operating the operator switch 10 to select a payment processing mode desired by the customer. However, the present invention is not limited to this. For example, a key having the same function as the operator switch 10 may be set on a keyboard. 11 and may be set by the customer.
[0041]
When it is determined that the payment processing mode of the payment terminal 1 has been set (Y in S1), the card C is then moved to the card path 15 based on the output change of the customer-side sensor 22 or the clerk-side sensor 23 due to the insertion of the card C. Is determined (S3 / N).
The bookReference exampleSince the settlement terminal 1 is installed with the front communication port 5 side of the main body casing 4 facing the customer side, the customer himself inserts the card C from the front communication port 5. Then, the customer inserts the card C without determining the type of the card C (magnetic card, contact IC card, non-contact IC card, etc.).
[0042]
Here, since the non-contact type IC card reader / writer 21 is positioned on the customer side with respect to the front communication port 5, when the card C is inserted into the front communication port 5, the card is contacted by the non-contact IC card reader / writer. Data is read from C. At this time, since there is no change in the output of the customer-side sensor 22 or the clerk-side sensor 23 due to the insertion of the card C, it is determined that the card C is not inserted into the card path 15 (N in S3), and the non-contact type IC card The process waits until the reader / writer 21 determines that the data of the card C has been read (N in S4). Here, the function of the IC reading determination means is realized.
[0043]
If it is determined that the data of the card C has been read by the non-contact type IC card reader / writer 21 (Y in S4), a card transport control process is executed (S5), and thereafter, a settlement process is executed ( S6). In the card transport restriction process, the solenoid 25 is turned on, and the shutter 24 is positioned at the blocking position. Here, the function of the card transport restriction means is realized. As a result, the card C cannot be inserted and the card C is not drawn into the settlement terminal 1, so that the magnetic card reader 19 and the contact type IC card reader / writer 20 do not read data from the card C, and the card settlement is performed. The processing time can be shortened, and the occurrence of scratches and dirt on the card C by the roller pairs 16 and 17 and the deterioration of the magnetic stripe S can be prevented. Then, since the shutter 24 positions the inserted card C at a position facing the non-contact type IC card reader / writer 21, data can be read or written with respect to the IC chip accurately.
[0044]
Next, when it is determined that the card C has been inserted into the card path 15 based on the output change of the customer side sensor 22 due to the insertion of the card C from the front communication port 5 by the customer (Y in S3), A pull-in process is executed (S7). The drawing-in process is performed based on the setting of the insertion / ejection direction setting area of the RAM 32 such that the rotation of the roller pairs 16 and 17 causes the motor C to be conveyed from the front side to the back side (from left to right in FIG. 3). 18 is rotated forward. The card C is transported to a reading position of the contact type IC card reader / writer 20 (a position where the contact terminals of the contact type IC card reader / writer 20 can contact the external contact terminals of the IC chip T of the card C).
[0045]
When it is determined that the rear end of the card C inserted in the card path 15 has passed the sensor 22 on the basis of the output change of the sensor 22 on the customer side, the solenoid 25 is turned on and the shutter 24 is moved to the shut-off position. Position. Thus, it is possible to prevent another card C from being inserted while the card C already exists in the card passage 15.
[0046]
It is determined whether or not the data of the card C has been read by the magnetic card reader 19 (S8). When the data of the card C is read by the magnetic card reader 19 (Y in S8), it is determined whether or not the card C has the IC chip T (S9). Here, the determination as to whether or not there is an IC chip T is made based on data read from the card C and indicating the presence or absence of the IC chip T. If there is no IC chip T in the card C (N in S9), a settlement process is executed (S6).
[0047]
Next, when the data of the card C is not read by the magnetic card reader 19 (N in S8) and when the card C has the IC chip T (Y in S9), the contact type IC card reader / writer is used. When the card C is positioned at the reading position 20, it is determined whether or not the data of the card C has been read by the contact type IC card reader / writer 20 (S 10). If the data of the card C is not read by the contact type IC card reader / writer 20 (N in S10), error processing such as displaying an error message on the LCD 12 is performed (S11). When the data of the card C is read by the contact type IC card reader / writer 20 (Y in S10), the settlement processing is executed (S6). Here, the payment processing executes the payment processing mode (credit payment mode or debit payment processing mode) set in step S2.
[0048]
When the payment processing mode is set to the credit payment processing mode in step S2, the payment processing is performed based on the data read from the card C (such as a card number for credit payment) and the payment amount input in step S1. Then, the credit data is created, and the created credit data is transmitted to the credit company Y. The credit company Y performs a credit check process such as a credit check and an amount approval on the transmitted credit data, and then transmits the query result data to the settlement terminal 1.
The settlement terminal 1 that has received the inquiry result data issues a credit slip according to the inquiry result data (S6).
[0049]
When the settlement process is completed in this way, a discharge process is finally executed (S12). In the discharge processing, the solenoid 25 is turned off, the shutter 24 is positioned at the open position, and the roller pair 16, 17 is rotated forward based on the setting of the insertion / discharge direction setting area of the RAM 32, and the reading position of the IC card reader / writer 20 is read. The card C which has been stopped is discharged out of the main casing 4 through the rear communication port 6. Thereby, the clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear communication port 6.
[0050]
The clerk makes the customer's signature written on the issued credit slip, and then compares the customer's signature written on the credit slip with the signature written on the card C discharged from the settlement terminal 1 to find one. After confirming that the card has been received, the card C and a copy of the credit slip are given to the customer.
[0051]
That is, the bookReference exampleAccording to the settlement terminal 1, the credit card can be settled without performing a complicated procedure such as passing the card C from the customer to the clerk at the time of credit settlement and inserting the card C into the settlement terminal 1. Further, at the time of credit settlement, the card C is not discharged to the customer side, so that the work of comparing the signature can be performed immediately upon completion of the credit settlement.
[0052]
When the payment processing mode is set to the debit payment processing mode in step S2, as the payment processing, the personal identification number input by the key operation of the numeric key of the keyboard 11 by the customer according to the guidance displayed on the LCD12. And debit data based on the data read from the card C (such as a bank account number for debit payment) and the payment amount input in step S 1, and transmits the generated debit data to the bank Z. The bank Z subtracts the settlement amount from the balance of the corresponding account based on the transmitted debit data, and then transmits the deduction result data to the settlement terminal 1. The settlement terminal 1 that has received the debit result data issues a usage statement in accordance with the debit result data (S6).
[0053]
When the settlement process is completed in this way, a discharge process is finally executed (S12). In the ejection process, the solenoid 25 is turned off, the shutter 24 is positioned at the open position, and the roller pairs 16 and 17 are reversely rotated based on the setting of the insertion / ejection direction setting area of the RAM 32 and stopped at a predetermined position in the card passage 15. The card C is discharged from the main casing 4 through the front communication port 5. Thereby, the customer can easily receive the card C discharged and issued to the outside of the main body casing 4 through the front communication port 5.
[0054]
That is, the bookReference exampleAccording to the settlement terminal 1, the debit settlement can be performed without giving the card C to the clerk at the time of the debit settlement, and without taking the complicated procedure of inserting the card C into the settlement terminal 1. Also bookReference exampleAccording to the settlement terminal 1, the clerk does not touch the card C unnecessarily long, so that the reliability can be improved from the viewpoint of fraud prevention.
[0055]
Therefore, the bookReference exampleAccording to the settlement terminal 1, data is read from or read to all types of cards C (for example, magnetic cards, contact-type IC cards, and non-contact-type IC cards) inserted from the front communication port 5 or the rear communication port 6. Since writing can be performed, an operator such as a clerk or a customer inserts the card C into the front communication port 5 or the rear communication port 6 without being conscious of the type of the card C, and reads or writes data to the card C. It can be carried out.
[0056]
In addition,This reference example5, when it is determined that the data of the card C has been read by the non-contact type IC card reader / writer 21 (Y in S4), the shutter 24 is moved to the shut-off position as the card transport restriction processing. (S5), but the present invention is not limited to this. For example, control may be performed so that the roller pair 16, 17 is not driven to rotate. As a result, the card C cannot be inserted and the card C is not drawn into the settlement terminal 1, so that the magnetic card reader 19 and the contact type IC card reader / writer 20 do not read data from the card C, and the card settlement is performed. The processing time can be shortened, the occurrence of scratches and stains on the card C by the roller pairs 16 and 17 and the deterioration of the magnetic stripe S can be prevented, and the power consumption for driving the roller pairs 16 and 17 can be reduced. Can be suppressed.
[0057]
Of the present inventiononeAn embodiment will be described with reference to FIG. The present embodiment is an example in which the payment terminal 1 is applied as a card processing device. The basic configuration of this embodiment is as follows.Reference example aboveIs the same asReference example aboveThe difference from the above is the flow of the card settlement process. In the present embodiment, description of the same processing as that performed by the conventional payment terminal 1 will be omitted.
[0058]
The flow of the card payment process, which is a characteristic function of the payment terminal 1 of the present embodiment, will be described below. FIG. 6 is a flowchart schematically showing the flow of the card settlement process. In addition,Reference example aboveThe same parts as those shown in FIG.
[0059]
As shown in FIG. 6, the card payment process first waits for the input of a payment amount by a numeric key on the keyboard 11 (N in step S1). When the payment terminal 1 is used by being connected to a POS terminal or the like, the payment amount is input from the POS terminal.
[0060]
When it is determined that the settlement amount has been input by operating the numeric key of the keyboard 11 (Y in S1), the operator operates the operator switch 10 to settle the settlement processing mode of the settlement terminal 1 (credit settlement processing mode or The process waits until it is determined that the debit payment mode has been set (N in S2). At this time, a message prompting this setting is displayed on LCD 12. The setting is performed by the operator operating the operator switch 10 to select a payment processing mode desired by the customer. However, the present invention is not limited to this. For example, a key having the same function as the operator switch 10 may be set on a keyboard. 11 and may be set by the customer.
[0061]
When it is determined that the payment processing mode of the payment terminal 1 has been set (Y in S1), the card C is then moved to the card path 15 based on the output change of the customer-side sensor 22 or the clerk-side sensor 23 due to the insertion of the card C. (S20 / N). In addition, since the settlement terminal 1 of the present embodiment is installed with the front communication port 5 side of the main body casing 4 facing the customer side, the customer himself inserts the card C from the front communication port 5. . Then, the customer inserts the card C without determining the type of the card C (magnetic card, contact IC card, non-contact IC card, etc.). If it is determined that the card C has been inserted into the card path 15 based on the output change of the customer side sensor 22 due to the insertion of the card C from the front communication port 5 by the customer (Y in S20), the drawing-in process is performed. Execute (S7).
[0062]
Here, if the card C is a contactless card, it is not necessary to draw the card C into the card passage 15, but the customer recognizes that an abnormality has occurred if the card C is not drawn. In the embodiment, the card C is always drawn to the reading position (a position where the card C cannot be viewed) in the drawing process. As a result, an operator such as a clerk or a customer cannot visually check the card C and determines that the data of the card C has been read, so that it is possible to recognize that the apparatus is operating normally.
[0063]
The drawing-in process is performed based on the setting of the insertion / ejection direction setting area of the RAM 32 such that the rotation of the roller pairs 16 and 17 causes the motor C to be conveyed from the front side to the back side (from left to right in FIG. 3). The rotation of the motor 18 for transporting the card C from the front side to the back side is referred to as forward rotation. The card C is transported to a reading position of the contact type IC card reader / writer 20 (a position where the contact terminals of the contact type IC card reader / writer 20 can contact the external contact terminals of the IC chip T of the card C).
[0064]
When it is determined that the rear end of the card C inserted in the card path 15 has passed the sensor 22 on the basis of the output change of the sensor 22 on the customer side, the solenoid 25 is turned on and the shutter 24 is moved to the shut-off position. Position. Thus, it is possible to prevent another card C from being inserted while the card C already exists in the card passage 15.
[0065]
Then, it is determined whether or not the data of the card C has been read by the non-contact type IC card reader / writer 21 (S21). Here, when the data of the card C is read by the non-contact type IC card reader / writer 21 (Y in S21), control is performed so that the data is not read by the contact type IC card reader / writer 20. Then, a settlement process is executed (S6). As a result, no data is read from the card C by the contact type IC card reader / writer 20, so that the card settlement processing time can be reduced.
[0066]
If the data of the card C is not read by the non-contact type IC card reader / writer 21 (N of S21), it is determined whether or not the data of the card C is read by the magnetic card reader 19 (S8). When the data of the card C is read by the magnetic card reader 19 (Y in S8), it is determined whether or not the card C has the IC chip T (S9). Here, the determination as to whether or not there is an IC chip T is made based on data read from the card C and indicating the presence or absence of the IC chip T. If there is no IC chip T in the card C (N in S9), a settlement process is executed (S6).
[0067]
Next, when the data of the card C is not read by the magnetic card reader 19 (N in S8) and when the card C has the IC chip T (Y in S9), the contact type IC card reader / writer is used. When the card C is positioned at the reading position 20, it is determined whether or not the data of the card C has been read by the contact type IC card reader / writer 20 (S 10). If the data of the card C is not read by the contact type IC card reader / writer 20 (N in S10), error processing such as displaying an error message on the LCD 12 is performed (S11). When the data of the card C is read by the contact type IC card reader / writer 20 (Y in S10), the settlement processing is executed (S6). Here, the payment processing executes the payment processing mode (credit payment mode or debit payment processing mode) set in step S2.
[0068]
When the payment processing mode is set to the credit payment processing mode in step S2, the payment processing is performed based on the data read from the card C (such as a card number for credit payment) and the payment amount input in step S1. Then, the credit data is created, and the created credit data is transmitted to the credit company Y. The credit company Y performs a credit check process such as a credit check and an amount approval on the transmitted credit data, and then transmits the query result data to the settlement terminal 1.
The settlement terminal 1 that has received the inquiry result data issues a credit slip according to the inquiry result data (S6).
[0069]
When the settlement process is completed in this way, a discharge process is finally executed (S12). In the discharge processing, the solenoid 25 is turned off, the shutter 24 is positioned at the open position, and the roller pair 16, 17 is rotated forward based on the setting of the insertion / discharge direction setting area of the RAM 32, and the reading position of the IC card reader / writer 20 is read. The card C which has been stopped is discharged out of the main casing 4 through the rear communication port 6. Thereby, the clerk can easily receive the card C discharged and issued to the outside of the main body casing 4 through the rear communication port 6.
[0070]
The clerk makes the customer's signature written on the issued credit slip, and then compares the customer's signature written on the credit slip with the signature written on the card C discharged from the settlement terminal 1 to find one. After confirming that the card has been received, the card C and a copy of the credit slip are given to the customer.
[0071]
In other words, according to the settlement terminal 1 of the present embodiment, the customer performs the credit settlement without performing a complicated procedure such as giving the card C from the customer to the clerk at the time of credit settlement and inserting the card C into the settlement terminal 1. It can be carried out. In addition, the card C is not discharged to the customer at the time of credit settlement, so that the work of comparing the signature can be performed immediately upon completion of the credit settlement.
[0072]
When the payment processing mode is set to the debit payment processing mode in step S2, as the payment processing, the personal identification number input by the key operation of the numeric key of the keyboard 11 by the customer according to the guidance displayed on the LCD12. And debit data based on the data read from the card C (such as a bank account number for debit payment) and the payment amount input in step S 1, and transmits the generated debit data to the bank Z. The bank Z subtracts the settlement amount from the balance of the corresponding account based on the transmitted debit data, and then transmits the deduction result data to the settlement terminal 1. The settlement terminal 1 that has received the debit result data issues a usage statement in accordance with the debit result data (S6).
[0073]
When the settlement process is completed in this way, a discharge process is finally executed (S12). In the ejection process, the solenoid 25 is turned off, the shutter 24 is positioned at the open position, and the roller pairs 16 and 17 are reversely rotated based on the setting of the insertion / ejection direction setting area of the RAM 32 and stopped at a predetermined position in the card passage 15. The card C is discharged from the main casing 4 through the front communication port 5. Thereby, the customer can easily receive the card C discharged and issued to the outside of the main body casing 4 through the front communication port 5.
[0074]
That is, according to the settlement terminal 1 of the present embodiment, the card C is given to the clerk at the time of the debit settlement, and the debit settlement is performed without performing the complicated procedure of inserting the card C into the settlement terminal 1 by the clerk. It can be carried out. According to the settlement terminal 1 of the present embodiment, the clerk does not unnecessarily touch the card C for a long time, so that the reliability can be improved from the viewpoint of fraud prevention.
[0075]
Therefore, according to the settlement terminal 1 of the present embodiment, all types of cards C (for example, a magnetic card, a contact IC card, a non-contact IC card, etc.) inserted from the front communication port 5 or the rear communication port 6 ) Can be read or written, the operator such as a clerk or customer inserts the card C into the front communication port 5 or the rear communication port 6 without being aware of the type of the card C, and Data can be read or written.
[0076]
In addition,Reference example and bookIn the embodiment, the non-contact type IC card reader / writer 21 is positioned on the customer side of the front communication port 5 and opposed to the card C inserted from the front communication port 5, but is not limited to this. Instead, for example, the non-contact type IC card reader / writer 21, the magnetic card reader 19, and the contact type IC card reader / writer 20 may be positioned along the card path 15 in this order. As shown in FIG. 7, the non-contact type IC card reader / writer 21 is provided in a unit 46 which is detachably provided as a part of the main body casing 4 and a card C inserted through the front communication port 5 is provided. You may be located in the position which opposes. Thereby, the non-contact type IC card reader / writer 21 becomes detachable with respect to the main body casing 4, and the payment terminal 1 having no non-contact type IC card reader / writer 21 can save space and non-contact with the settlement terminal 1. The type IC card reader / writer 21 can be retrofitted, and can be removed when the non-contact type IC card reader / writer 21 is not required.
[0077]
Also,Reference example and bookIn the embodiment, the insertion / ejection direction setting area of the RAM 32 is set to the front communication port 5 side and the card C ejection direction is set to the rear communication port 6 side in the credit settlement processing mode. In the debit payment processing mode, the card C is inserted in the front communication port 5 side and the card C is ejected in the front communication port 5 side, but the present invention is not limited to this. For example, the setting of the insertion / ejection direction setting area of the RAM 32 is set such that the ejection direction of the card C is the rear communication port 6 in the credit settlement processing mode, and the ejection direction of the card C is the front communication port 5 in the debit settlement processing mode. It is good as a side. By setting only the discharge direction in this way, for a customer who is unfamiliar with the operation, the clerk can temporarily insert the card C from the rear communication port 6 after the clerk once keeps the card C. In this case, based on a change in the output of the customer-side sensor 22 or a change in the output of the clerk-side sensor 23, a pull-in process for rotating the roller pair 16, 17 in a direction to pull the card C into the card path 15 is executed. Is done.
[0078]
Also,Reference example and bookIn the embodiment, the presence or absence of the IC chip T is determined in the card payment processing (see FIGS. 5 and 6) (S9). However, the present invention is not limited to this. For example, the presence or absence of the IC chip T is determined. You don't have to. In this case, when the contact type IC card reader / writer 20 starts the operation of reading the IC chip T of the card C from the contact type IC card reader / writer 20, when there is no response even after a certain period of time called a time-out period has elapsed, the settlement processing is performed. Is executed (S6).
[0079]
AndReference example and bookIn the embodiment, the payment amount is input by the payment terminal 1. However, the present invention is not limited to this. For example, the payment terminal 1 may be connected to the POS terminal via a cable, and may be input from the POS terminal. good. Thereby, the versatility of the payment terminal 1 can be improved. Here, this POS terminal is sales data processing means, and transmits payment amount data relating to the sales processing of the product to the payment terminal 1. If the POS terminal has a printer, a credit slip or a statement of use issued for the settlement process may be issued from the printer of the POS terminal. Further, keys in the keyboard of the POS terminal may have the same function as the operator switch 10.
[0080]
According to the embodiment described above, the non-contact type IC card reader / writer, the magnetic card reader, and the contact type IC card reader / writer are positioned in this order from the front opening along the card path. Data can be read from the card in order.
[0081]
In addition, according to the above-described embodiment, the non-contact type IC card reader / writer is located at a position on the front side of the front opening and facing the card inserted into the front opening. A non-contact type IC card reader / writer can read data from a card first compared to a magnetic card reader and a contact type IC card reader / writer.
[0082]
Further, according to the embodiment described above, the non-contact type IC card reader / writer is provided detachably with respect to the housing, so that the card processing without the non-contact type IC card reader / writer is provided. A non-contact type IC card reader / writer can be retrofitted to the device in a small space, and can be removed when the non-contact type IC card reader / writer is not required.
[0083]
In addition, according to the above-described embodiment, by providing the back opening provided on the back of the housing and communicating with the card passage, the card can be inserted / ejected from the back opening, and the front and back surfaces can be inserted. Cards can be inserted / ejected from either side.
[0084]
Further, according to the embodiment described above, the card is drawn in to a position where the card cannot be seen by the card transport mechanism, so that an operator such as a clerk or a customer cannot see the card, and the data of the card is read. Therefore, it can be recognized that the device is operating normally.
[0085]
Also, the aboveIn the reference example,IC reading means for judging whether or not the data of the IC chip of the card has been read by the non-contact IC card reader / writer, and the IC chip of the card by the non-contact IC card reader / writer If it is determined that the data has been read, the card is not drawn into the card processing device by providing a card conveyance restricting means for preventing the card from being drawn into the card passage by the card conveyance mechanism. Since the data is not read from the card by the magnetic card reader and the contact type IC card reader / writer, the card settlement processing time can be shortened. Degradation can be prevented.
[0086]
Also, the aboveIn the reference example,By preventing the card transport mechanism from driving, the card transport restricting means can suppress unnecessary power consumption for driving the card transport mechanism.
[0087]
Also, the aboveIn the reference example,The card conveyance restricting means is configured to selectively position the blocking portion between a blocking position for blocking the card passage and an opening position for opening the card passage, and the blocking portion to the blocking position and the opening position. When the IC reading determination means determines that the data of the IC chip of the card has been read by the non-contact type IC card reader / writer, the positioning means positions the blocking portion to the blocking position. Since the blocking unit positions the card C inserted from the front opening at a position facing the non-contact type IC card reader / writer, it is possible to accurately read or write data on the IC chip.
[0088]
Finally, aboveReference examples and booksFrom the embodiment of the invention,Reference example and bookA card payment system including the card processing device according to the embodiment and sales data processing means for transmitting payment amount data relating to a product sales process to the card processing device can be realized. Therefore, the versatility of the card processing device can be improved.
[0089]
【The invention's effect】
According to the present invention, data can be read from or written to all types of cards (for example, magnetic cards, contact-type IC cards, non-contact-type IC cards, and the like) inserted from the front opening. An operator such as a customer can read or write data on the card without being aware of the type of the card.
[Brief description of the drawings]
FIG. 1 of the present invention.Reference exampleFIG. 2 is an external perspective view schematically illustrating a state of the payment terminal in FIG.
FIG. 2 is an external perspective view schematically showing a payment terminal viewed from the back side.
FIG. 3 is a vertical side view of the payment terminal.
FIG. 4 is a block diagram schematically showing an electrical connection of each unit included in the payment terminal.
FIG. 5 is a flowchart schematically showing a flow of a card settlement process.
FIG. 6 of the present invention.oneIt is a flow chart which shows roughly the flow of the card settlement processing in an embodiment.
FIG. 7 is a vertical sectional side view schematically showing a payment terminal provided with a non-contact type IC card reader / writer at the front.
FIG. 8 is a perspective view schematically showing a conventional card payment system.
[Explanation of symbols]
15: Card path, 19: Magnetic card reader, 20: Contact type IC card reader / writer, 21: Non-contact type IC card reader / writer, C: Card, S: Magnetic stripe, T: IC chip

Claims (6)

A housing having therein a card passage through which a card having at least one of a magnetic stripe and an IC chip is transported;
A front opening provided in the front of the housing and communicating with the card passage;
A card transport mechanism for transporting the card inserted from the front opening along the card path;
A magnetic card reader for reading data stored in a magnetic stripe of the card carried by the card carrying mechanism,
A contact-type IC card reader / writer for reading data from or writing data to the IC chip by contacting the IC chip of the card transported to the reading position by the card transport mechanism;
The card inserted into the front opening so that data can be read from or written to the IC chip through radio waves without contact with the IC chip of the card that has not been drawn in by the card transport mechanism. A contactless IC card reader / writer positioned at a position facing the
Even if the card is of a type in which data is read or written by the non-contact type IC card reader / writer, the card inserted into the front opening is drawn in by the card transport mechanism. It was, card processing apparatus. 2. The card processing according to claim 1, wherein the non-contact type IC card reader / writer, the magnetic card reader and the contact type IC card reader / writer are positioned along the card path from the front opening in this order. apparatus. The noncontact IC card reader / writer, the card processing apparatus according to claim 1, characterized in that positioned on the front side than the front opening. The card processing device according to claim 3, wherein the non-contact type IC card reader / writer is provided detachably with respect to the housing. 5. The card processing device according to claim 1, further comprising a back opening provided on a back surface of the housing and communicating with the card passage. A card processing device according to any one of claims 1 to 5 ,
Sales data processing means for transmitting the payment amount data relating to the sales processing of the product to the card processing device,
Card payment system equipped with.

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