JP3720823B2 - Card processing apparatus and card settlement system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a card processing device and a card settlement system.
[0002]
[Prior art]
Today, electronic payments using various cards (credit cards, cash cards used for debit card payments, IC cards equipped with electronic money, point cards, etc.) that function as payment means instead of cash have been widely used. .
[0003]
Electronic payment by card eliminates the need for handling coins at the time of transaction, so it has a great advantage for both customers and stores and is expected to spread rapidly in the future.
[0004]
In such a conventional card processing apparatus that reads data stored in a card at the time of electronic settlement processing, an opening for inserting / ejecting the card opens toward either the customer side or the store clerk side. It is provided as follows. Such a card processing device is generally installed so as to open in one direction in accordance with the operation mode of each store because insertion / extraction of the card in the card processing device is allowed only on one side. The
[0005]
For example, when the credit card received from the customer is inserted into the card processing device (or payment terminal) and returned to the customer when all processing such as signature confirmation is completed, Therefore, the card processing device described above is installed toward the store clerk. For this reason, the store clerk always handles the card before and after reading the card data.
[0006]
Further, for example, as shown in FIG. 11, conventionally, a POS terminal 100, a payment terminal 101 that reads data stored in an IC chip included in a card, and a card reader 102 that receives an input of a personal identification number by a customer operation. In some cases, electronic payment by card may be executed by the card payment system 103 configured as described above.
[0007]
[Problems to be solved by the invention]
By the way, by installing the card processing device toward the store clerk side, in the case of debit card payment that does not require signature confirmation, a cash card is once received from the customer and returned to the customer when the payment is completed. It becomes an operation mode, and the store clerk always handles the card before and after reading the card data. However, in the case of electronic payment, such as debit card payment, where the clerk can complete the payment without touching the card, the clerk should not touch the card as much as possible in terms of reliability in the electronic payment process. Is desirable.
[0008]
In this respect, in the card payment system 103 shown in FIG. 11, the card reader 102 can move to some extent, and the customer can also insert the card, so that the electronic payment can be completed without the store clerk touching the card. However, by using the card reader 102 connected to the payment terminal 101, a larger installation space is required.
[0009]
On the other hand, in order to improve the reliability of electronic payment processing and solve the problem of installation space, depending on the type of data stored in the card, payment is made by changing the installation direction of the card processing device. Although it is conceivable to do this, the work becomes complicated and the practicality is inferior.
[0010]
The present invention provides a card processing apparatus and a card payment system capable of executing various types of electronic payment suitable for the operation mode without performing a complicated operation such as changing the installation direction according to the type of electronic payment. The purpose is to obtain.
[0011]
[Means for Solving the Problems]
The card processing apparatus according to the present invention includes a housing provided with a pair of slit-like openings on the front and back surfaces, a card passage provided inside the housing and communicating with the pair of openings, and the card passage. A card having at least one storage medium of magnetic stripe or IC chip provided on the card, and reading data from the storage medium of the card which is provided in the card path and carried by the card A data processing unit that performs data processing including: payment amount input means for inputting a payment amount; electronic payment based on the payment amount input by the payment amount input means and data read by the data processing unit comprising an electronic settlement execution means for executing, wherein the by the conveying means according to the type of electronic payment for the electronic payment executing means executes So as to set the conveying direction of the over-de, as one of the setting, when the execution of the debit card payment is determined to have been declared as card payment in the card by the conveying means, the front side of the card It conveys from an opening part to the said data processing part, and it conveys to the said opening part of the front side after the data processing in the said data processing part.
[0012]
The card processing apparatus according to the present invention includes a housing provided with a pair of slit-like openings on the front and back surfaces, a card passage provided inside the housing and communicating with the pair of openings, and the card passage. A card having at least one storage medium of magnetic stripe or IC chip provided on the card, and reading data from the storage medium of the card which is provided in the card path and carried by the card A data processing unit that performs data processing including: payment amount input means for inputting a payment amount; electronic payment based on the payment amount input by the payment amount input means and data read by the data processing unit comprising an electronic settlement execution means for executing, wherein the by the conveying means according to the type of electronic payment for the electronic payment executing means executes So as to set the conveying direction of the over-de, as one of the setting, when the execution of the debit card payment is determined to have been declared as card payment in the card by the conveying means, the front side of the card It conveys from an opening part to the said data processing part, and it conveys to the said opening part of the front side after the data processing in the said data processing part.
[0013]
The card processing apparatus according to the present invention includes a housing provided with a pair of slit-like openings on the front and back surfaces, a card passage provided inside the housing and communicating with the pair of openings, and the card passage. A card having at least one storage medium of magnetic stripe or IC chip provided on the card, and reading data from the storage medium of the card provided on the card path and conveyed by the card A data processing unit that performs data processing including: payment amount input means for inputting a payment amount; electronic payment based on the payment amount input by the payment amount input means and data read by the data processing unit comprising an electronic settlement execution means for executing, wherein the by the conveying means according to the type of electronic payment for the electronic payment executing means executes So as to set the conveying direction of the over-de, as one of the setting, when the execution of the electronic money payment is determined to have been declared as card payment in the card by the conveying means, the front side of the card It conveys from an opening part to the said data processing part, and it conveys to the said opening part of the front side after the data processing in the said data processing part.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
A first embodiment of the present invention will be described with reference to FIGS. This embodiment shows an application example to a payment terminal as a card processing device.
[0016]
FIG. 1 is a perspective view showing the settlement terminal according to the first embodiment of the present invention as seen from the front side, FIG. 2 is a perspective view showing the state as seen from the back side, and FIG. 3 is a longitudinal side view thereof. . The settlement terminal 1 has a main body casing 4 constituted by a box-shaped bottom cover 2 and a top cover 3 provided on the upper side of the bottom cover 2. If the front side in FIG. 1 is the front side, the settlement terminal 1 is arranged with the front side facing the customer side.
[0017]
A front communication port 5 having a long slit shape in the horizontal direction and communicating between the inside and the outside of the main body casing 4 and through which the card C is inserted / discharged is provided on the front surface of the main body casing 4. The card C has an IC chip 60 (see FIG. 7) as a storage medium, which is used for card settlement processing described later.
[0018]
Although the card C having only the IC chip 60 has been described with reference to FIG. 1, the present invention is not limited to this, and for example, a hybrid card having a magnetic stripe and the IC chip 60 may be used as a storage medium.
[0019]
On the back surface of the main casing 4, there is provided a rear communication port 6 that has a long slit shape in the horizontal direction and communicates the inside and the outside of the main casing 4. The front communication port 5 and the rear communication port 6 are provided to be parallel to the installation surface of the main casing 4 at the same height.
[0020]
Although details will be described later, the payment terminal 1 of the present embodiment is configured to be able to insert / discharge the card C from both directions via the front communication port 5 and the back communication port 6.
[0021]
An illustration 7 for guiding the insertion direction of the card C is provided in the vicinity of the front communication port 5 on the front surface of the main casing 4. The illustration 7 guides the insertion direction of the card C so that it is inserted in the same direction as the direction indicated by a mark such as an arrow attached to the card C. Similarly, an illustration 8 for guiding the insertion direction of the card C is also provided in the vicinity of the back surface communication port 6 of the main casing 4. The illustration 8 guides the insertion direction of the card C so as to be inserted in the direction opposite to the direction indicated by the mark such as an arrow attached to the card C.
[0022]
In addition, an operator switch 9 that accepts an operation by an operator such as a store clerk and an LED 10 that indicates an operation state of the settlement terminal by lighting or flashing are provided in the vicinity of the back surface communication port 6 of the main casing 4. In the card payment process to be described later, it is possible to declare whether to perform a credit payment, a debit card payment, or an electronic money payment to be executed by operating the operator switch 9. In the card payment process to be described later, the insertion direction / discharge direction of the card C is set according to which electronic payment process is executed.
[0023]
The operator switch 9 according to the present embodiment is operated during the execution of a card payment process to be described later, so that the insertion / discharge direction of the card C is temporarily set regardless of which electronic payment process is executed. Can be changed. For example, by setting the insertion direction / discharge direction of the card C when the operator switch 9 is operated during the card payment process described later to be limited to the operator side, the customer is unfamiliar with the operation. Therefore, even when a situation occurs in which a proxy operation is performed in which the operator inserts and receives the card C on behalf of the operator, switching can be easily performed without performing complicated setting change work (see FIG. 6).
[0024]
On the upper surface of the main casing 4, a keyboard 11 that receives an operation by an operator such as a customer is provided. As shown in FIG. 4, the keyboard 11 has numeric keys 11a ranging from “0” to “9”, a cancel key 11b, a correction key 11c, an execution key 11d, various function keys 11e, and the like. In the card payment processing described later, the payment amount is input by operating the numeric keys 11a from “0” to “9”. Thereby, the function as a settlement amount input means is executed. In the direction setting process to be described later, the card C insertion / ejection direction can be set by various key operations on the keyboard 11. Thereby, the function as an input means is performed.
[0025]
On the back side of the keyboard 11 on the upper side of the main casing 4, the main casing 4 is rotatable about a support shaft (not shown) connected to the main casing 4 via a free stopper (not shown). An LCD (Liquid Crystal Display) unit 12 is provided. The LCD unit 12 is positioned at an arbitrary position between a prone position where the upper surface continues to the upper surface of the main casing 4 and a standing position where the LCD unit 12 stands up with respect to the main casing 4 by the function of the free stopper.
[0026]
The LCD unit 12 is provided with an LCD 13 on which a setting screen 13a (see FIG. 8) or the like is displayed in a direction setting process which will be described later, on the upper surface when the LCD unit 12 is positioned at the prone position. ing.
[0027]
A reader / writer device 14 is provided inside the main casing 4. The casing 15 of the reader / writer device 14 is provided with an opening 16 and an opening 17 that communicate the inside and the outside of the casing 15. The opening 16 and the opening 17 communicate with the outside through the front communication port 5 and the back communication port 6, respectively.
[0028]
A card path 18 that communicates the opening 16 and the opening 17 is provided inside the housing 15. The card path 18 of the present embodiment connects the opening 16 and the opening 17 in a straight line.
[0029]
The card path 18 is provided with a reader / writer unit 19 (see FIG. 5) as a data processing unit for reading / writing data from / to the IC chip. Although the illustration and description are omitted because it is a known technique, the reader / writer unit 19 is connected to the external connection terminal 67 (see FIG. 7) of the IC chip 60 of the card C having portability. A connection terminal for reading data stored in the chip 60 and writing data to the IC chip 60 is provided. A position where the connection terminal of the reader / writer unit 19 can be connected to the external connection terminal 67 of the IC chip 60 is defined as a connection position of the card C.
[0030]
The card path 18 is provided with two pairs of rollers 21 and 22 that face each other with the card path 18 therebetween. One roller pair 21 is provided closer to the opening 16 than the reader / writer 19, and the other roller pair 22 is provided closer to the opening 17 than the reader / writer 19. The roller pair 22 is rotationally driven by a motor 23 (see FIG. 5) provided in the main body casing 4 so that the roller pairs 21 and 22 convey the card C in the same direction.
[0031]
A customer side sensor 24 and a store clerk side sensor 25 are provided in the vicinity of the opening 16 of the card passage 18 and in the vicinity of the opening 17, respectively. Each of the customer side sensor 24 and the store clerk side sensor 25 is a transmissive optical sensor composed of a light emitting element that emits light and a light receiving element that receives light emitted from the light emitting element, and the amount of light received by the light receiving element. The output changes according to the change of.
[0032]
Inside the bottom cover 2 of the main casing 4, a main PCB (Printed Circuit Board) 28 and a sub PCB 29 are provided. The main PCB 28 and the sub PCB 29 are connected so as to communicate with each other. The main PCB 28 and the sub PCB 29 are mounted with various control circuits that drive and control each unit included in the payment terminal 1.
[0033]
Next, the electrical connection of each part with which the payment terminal 1 is provided is demonstrated with reference to FIG. FIG. 5 is a block diagram schematically showing the electrical connection of each unit included in the payment terminal 1. The payment terminal 1 is provided with a microcomputer 30, and the microcomputer 30 drives and controls each part of the payment terminal 1. The microcomputer 30 has a CPU (Central Processing Unit) 31 that centrally drives and controls each unit, a ROM (Read Only Memory) 33 that stores fixed data in advance via a bus line 32 such as an address bus and a data bus, and the like. A RAM (Random Access Memory) 34 that functions as a work area of the CPU 31 by storing variable data in a rewritable manner is connected.
[0034]
The RAM 34 functions as an insertion direction storage unit and a discharge direction storage unit that are referred to when a card payment process described later is performed and store the setting of whether the inserted card C is discharged from the opening 16 or the opening 17. A conveyance direction setting file 35 to be stored is stored. As shown in FIG. 6, the transport direction setting file 35 stores direction setting data 36a, 36b, 36c, 36d, 36e, 36f, 36g, and 36h for setting the insertion direction / discharge direction of the card C. 36, and an electronic payment type area 37 for storing electronic payment type data 37a, 37b, and 37c indicating whether electronic payment processing of credit payment, electronic money payment, or debit card payment is executed. ing. In the electronic settlement type area 37, electronic settlement type data 37d indicating that the proxy operation by the operator is executed is also stored. The direction setting data 36a, 36b, 36c, 36d, 36e, 36f, 36g, and 36h set the insertion direction / discharge direction of the card C to the opening 17 (operator) side or the opening 16 (user) side, respectively. . Each direction setting data 36a, 36b, 36c, 36d, 36e, 36f, 36g, 36h is stored in association with the electronic settlement type data 37a, 37b, 37c, 37d. According to the setting of FIG. 6, in the credit settlement process, the card C is set to be inserted from the opening 16 and discharged from the opening 17. Similarly, in the electronic money settlement, the card C is set to be inserted from the opening 17 and discharged from the opening 16. Similarly, in the debit card settlement, the card C is set to be inserted through the opening 16 and discharged from the opening 16. In addition, in FIG. 6, the card C is inserted from the opening 17 as a setting for proxy operation in which the operator inserts and receives a card on behalf of the customer when the customer is unfamiliar with the operations with the various settings described above. It is also set to be inserted and discharged from the opening 17.
[0035]
The insertion direction / discharge direction of the card C set for each electronic settlement process in the transport direction setting file 35 is not limited to the setting shown in FIG. 6, and an operator such as a store clerk by executing the direction setting process described later. You can change the settings that are set arbitrarily.
[0036]
When the settlement terminal 1 is activated, the control program stored in the ROM 33 is written into the RAM 34. Thereby, the drive control of each part by the microcomputer 30 is enabled. Next, each unit that is driven and controlled by the microcomputer 30 will be described.
[0037]
The operator switch 9 is connected to the bus line 32 via the switch input circuit 38. The operator switch 9 transmits a signal indicating that the operator switch 9 has been operated to the microcomputer 30 by the operation of the switch input circuit 38.
[0038]
In the card payment process described later, the insertion direction set in the above-described discharge direction setting file can be temporarily changed by operating the operator switch 9 during the card payment process.
[0039]
The LED 10 is connected to the bus line 32 via the lighting control circuit 39. The lighting control circuit 39 drives and controls the lighting / extinguishing of the LED 10 based on a control signal from the microcomputer 30.
[0040]
The keyboard 11 is connected to the bus line 32 via the keyboard input circuit 40. The keyboard 11 outputs a signal corresponding to the operated key to the microcomputer 30 by the operation of the keyboard input circuit 40.
[0041]
The LCD 13 is connected to the bus line 32 via the display control circuit 41. When the display data from the microcomputer 30 is input to the display control circuit 41, the LCD 13 is driven by the display control circuit 41 to display predetermined items.
[0042]
The reader / writer unit 19 is connected to the bus line 32 via the reader / writer control circuit 42. The reader / writer control circuit 42 outputs a signal corresponding to the data read by the reader / writer unit 19 to the microcomputer 30 via a connection terminal (not shown). The reader / writer control circuit 42 drives the reader / writer unit 19 based on a signal output from the microcomputer 30 and writes predetermined data to the IC chip 60 via the connection terminal.
[0043]
The motor 23 is connected to the bus line 32 via the motor drive circuit 43. The motor drive circuit 43 drives the motor 23 to rotate forward and backward according to a drive signal from the microcomputer 30.
[0044]
The customer side sensor 24 and the store clerk side sensor 25 are connected to the bus line 32 via sensor input circuits 44 and 45, respectively. The sensor input circuits 44 and 45 output a detection signal indicating whether or not the card C is inserted to the microcomputer 30 in accordance with output signals from the customer side sensor 24 and the store clerk side sensor 25.
[0045]
In addition, the settlement terminal 1 is connected to a host computer 48 provided in a financial institution such as a credit company or a bank via a relay center such as a public network 46 and a CAFIS (Credit And Finance Information Switching System) 47, for example. The communication I / F 51 for performing the data communication is provided.
[0046]
In addition, the settlement terminal 1 of the present embodiment is used by being connected to the printer 49, and the bus line 32 includes an I / F 50 for performing data communication with the printer 49.
[0047]
Next, the electrical connection of each part of the IC chip 60 provided in the card C will be described with reference to FIG. FIG. 7 is a block diagram schematically showing the electrical connection of each part included in the IC chip 60. The IC chip 60 is provided on a card C having portability and incorporates a microcomputer 61. The microcomputer 61 is configured by connecting a ROM 64, a RAM 65, and an EEPROM 66, which is a non-volatile storage unit, to the CPU 62 via a bus line 63 in advance to store a password and a control program.
[0048]
In the EEPROM 66, for example, an “ID number data area” for storing an ID number that is identification data of the IC chip 60 and allocated in advance to each individual, an “electronic money data area” for storing electronic money, and the like are secured. ing. The EEPROM 66 has a “customer data area” for storing customer data such as the account number of the customer who is the card owner and a personal identification number set when the account is opened.
[0049]
An external connection terminal 67 connected to a connection terminal (not shown) of the reader / writer unit 19 of the payment terminal 1 is connected to the bus line 63 when the card C is inserted into the payment terminal 1. The external connection terminal 67 inputs a signal input from the reader / writer unit 19 of the settlement terminal 1 via the connection terminal to the microcomputer 61 via the bus line 63, and outputs a signal output from the microcomputer 61 via the bus line 63. To the reader / writer unit 19.
[0050]
Next, the direction setting process executed by the CPU 31 based on the control program stored in the ROM 33 will be described. First, an operator such as a store clerk operates a predetermined function key 11e on the keyboard 11 to declare execution of the direction setting process.
[0051]
When the execution of the direction setting process is declared, a setting screen 13a as shown in FIG. As shown in FIG. 8, setting fields A, B, C, D, E, F, G, and H for setting the insertion direction / discharge direction of the card C are displayed on the setting screen 13a.
[0052]
The operator sets “operator” or “user” for each of the setting fields A, B, C, D, E, F, G, and H, and operates the execution key each time it is set.
[0053]
When the setting of the lowest setting field F is completed and the execution key is operated, based on the data set in each setting field A, B, C, D, E, F, G, H on the setting screen 13a. The direction setting data 36a, 36b, 36c, 36d, 36e, 36f, 36g, and 36h of the discharge direction setting file are updated. Here, the function as the transport direction changing means is executed by executing the direction setting process.
[0054]
Next, card settlement processing executed by the CPU 31 based on the control program stored in the ROM 33 will be described with reference to FIG. FIG. 9 is a flowchart schematically showing the flow of the card payment process. When executing the card payment process, the operation of the operator switch 9 by the store clerk waits until it is determined that the execution of any one of credit payment, debit card payment, and electronic money payment is declared (S1). N).
[0055]
Here, an illustration 7 is provided on the front surface of the main body casing 4 to guide insertion in the same direction as a mark such as an arrow attached to the card C, and the back surface of the main body casing 4 is attached to the card C. Since an illustration 8 is provided to guide the insertion in the direction opposite to the mark such as an arrow, the card C is inserted in the direction according to the illustration 8 so that the reader can be read regardless of the conveyance direction of the card C. It is possible to make the position of the IC chip 60 with respect to the writer unit 19 equal.
[0056]
As a result, even when the card C is inserted from any of the openings 16 and 17 of the payment terminal 1, the data stored in the IC chip 60 of the card C can be read by the single reader / writer unit 19. The settlement terminal 1 can be downsized.
[0057]
When it is determined that the execution of the electronic payment of any one of the credit payment, the debit card payment or the electronic money payment is declared by operating the operator switch 9 by the store clerk (Y of S1), the execution is declared It is determined whether the electronic payment is a credit payment, a debit card payment or an electronic money payment (S2, S3, S4).
[0058]
If it is determined that the execution of credit settlement has been declared (Y in S2), the card C is inserted into the card passage 18 via the front communication port 5 and the opening 46 based on the output change of the customer side sensor 24. If it is determined that the card C has been inserted into the card passage 18 (Y in S5), the transfer direction setting file 35 is referred to and the credit card is set in association with the credit settlement. Based on the direction setting data 36a, the motor 23 is rotated in the forward direction by the operation of the motor drive circuit 43 (S6). Here, the rotation direction of the motor 23 that rotates the roller pair 21 and 22 in the direction in which the card C is conveyed from the front side to the back side (left to right in FIG. 3) is a positive direction.
[0059]
When the card C is conveyed to the reader / writer unit 19 by the rotation of the roller pairs 21 and 22, the reader / writer unit 19 is driven and controlled by the operation of the reader / writer control circuit 42 to read the data stored in the IC chip 60 (S7). Based on the data read from the IC chip 60, credit settlement processing is executed (S8).
[0060]
Although the description is omitted because it is a known technique, the credit settlement process executed in step S8 waits for the input of transaction amount data by operating the keyboard 11, and the data read from the IC chip, the input transaction amount data, The credit data is created based on the above, and the created credit data is transmitted to the host computer 48 provided in various financial institutions. The host computer 48 performs credit inquiry processing such as credit check and amount approval on the transmitted credit data, and then transmits the inquiry result data to the settlement terminal 1. The settlement terminal 1 transmits print data to the printer 49 according to the inquiry result data, and issues a credit slip from the printer 49. The store clerk makes the customer's signature fill in the issued credit slip.
[0061]
When the credit settlement processing is completed, the motor 23 is rotated in the forward direction based on the direction setting data 36b set in association with the credit settlement with reference to the transport direction setting file 35 (S9). .
[0062]
As a result, the card C is discharged to the store clerk after the credit payment is completed. For example, in a conventional electronic payment terminal that is discharged from the inserted side, the card C is discharged to the customer side by inserting from the customer side. The card C can be compared immediately after credit payment is completed without taking the complicated procedure of handing the card C to the store clerk and comparing the signature written on the card C with the sign written on the credit slip. As a result, work efficiency can be improved.
[0063]
In addition, the card C discharged after the completion of the credit settlement can be received by the customer and then delivered to the store clerk, and the credit settlement can be started without taking the complicated procedure of inserting the card C into the settlement terminal by the store clerk. Therefore, the work efficiency can be improved also by this.
[0064]
On the other hand, if it is determined that execution of debit card payment has been declared (Y in S3), the card C is inserted into the card passage 18 via the front communication port 5 and the opening 16 based on the output change of the customer side sensor. Is determined to have been inserted (N in S10), and if it is determined that the card C has been inserted into the card path 18 (Y in S10), the transport direction setting file 35 is referred to and associated with debit card settlement. Based on the set direction setting data 36c, the motor 23 is rotated in the forward direction by the operation of the motor drive circuit 43 (S11).
[0065]
When the card C is conveyed to the reader / writer unit 19 by the rotation of the roller pairs 21 and 22, the reader / writer unit 19 is driven and controlled by the operation of the reader / writer control circuit 42 to read the data stored in the IC chip 60 (S12). Based on the data read from the IC chip 60, a debit card payment process is executed (S13).
[0066]
Although the description is omitted because it is a known technique, when executing the debit card payment process executed in step S13, in addition to the data related to the payment amount, the data stored in the IC chip 60 and the password entered by the customer Based on the above, predetermined data communication is performed with a financial institution such as a bank, and the settlement amount is deducted from the balance of the corresponding account.
[0067]
When the debit card settlement process is completed, the motor 23 is rotated in the reverse direction based on the direction setting data 36d set in association with the debit card settlement with reference to the transport direction setting file 35 ( S14). Hereinafter, the rotation direction of the motor 23 that rotates the roller pair 21 and 22 in the direction in which the card C is conveyed from the back side to the front side is assumed to be the reverse direction.
[0068]
By using the payment terminal 1 of the present embodiment, debit card payment can be made without taking the complicated procedure of handing the card C from the customer to the store clerk and inserting the card C into the payment terminal at the time of debit card payment. Can start.
[0069]
In addition, by using the payment terminal 1 of the present embodiment, after the debit card payment is completed, the card C can be discharged to the opening 16 and returned directly to the customer. Can be returned without going through the complicated procedure of receiving the card and returning the card C to the customer. In addition, forgetting to return the card C can be prevented.
[0070]
In addition, since the store clerk does not touch the card C for an unnecessarily long time, it is possible to improve the reliability from the viewpoint of preventing fraud.
[0071]
On the other hand, if it is determined that the execution of the electronic money settlement has been declared (Y in S4), the card passage via the front communication port 5 and the opening 16 based on the output change of the customer side sensor 24. 18 until it is determined that the card C is inserted into the card 18 (N in S15), and when it is determined that the card C is inserted into the card passage 18 (Y in S15), the electronic money settlement is performed with reference to the transport direction setting file 35. The motor 23 is driven to rotate in the forward direction based on the direction setting data 36e set in association with (S16).
[0072]
When the card C is conveyed to the reader / writer unit 19 by the rotation of the roller pairs 21 and 22, the reader / writer unit 19 is driven and controlled by the operation of the reader / writer control circuit 42, and the data stored in the IC chip 60 is read (S17). Based on the data read from the IC chip 60, electronic money settlement processing is executed (S18). Here, the function as the electronic settlement processing means is executed in steps S8, S13, and S18.
[0073]
Although explanation is omitted because it is a known technique, in electronic money settlement, it is determined whether or not the amount of electronic money filled in the IC chip 60 exceeds the settlement amount, and the electronic money exceeds the settlement amount. If so, subtract the settlement amount from the amount of electronic money that is filled.
[0074]
When the electronic money settlement processing is completed, the motor is rotated in the reverse direction based on the direction setting data 36f set in association with the electronic money settlement with reference to the discharge direction setting file (S19). . Here, the functions as the conveying means and the conveying direction setting means are executed by steps S6, S9, S11, S14, S16, and S19.
[0075]
As a result, when the electronic money settlement is completed, the card C is discharged from the reader / writer device 14 through the opening 16 and the front communication port 5. The electronic money settlement can be started without taking the complicated procedure of inserting the card C into the settlement terminal by the store clerk.
[0076]
Further, after the completion of the electronic money settlement, the card C can be discharged to the customer side and returned directly to the customer, so that the store clerk once receives the card C for which the electronic money settlement has been completed and returns the card C to the customer. The card C can be returned without going through the complicated procedure. In addition, forgetting to return the card C can be prevented.
[0077]
In addition, since the store clerk does not touch the card C for an unnecessarily long time, it is possible to improve the reliability from the viewpoint of preventing fraud.
[0078]
Although not particularly illustrated in FIG. 9, in the payment terminal 1 of the present embodiment, as described above, after the execution of the electronic payment process is declared, the card C is actually inserted into the opening 16. When the operator switch 9 is operated, the insertion direction / discharge direction can be temporarily changed based on the direction setting data 36g and 36h regardless of which electronic settlement execution is declared. Therefore, for example, when dealing with a customer who is uneasy about work, by operating the operator switch 9, the store clerk can insert the card C delivered from the customer through the opening 17 and receive it from the opening 17. Because it is possible to respond to temporary changes in the insertion direction / discharge direction without taking the troublesome task of changing the setting of the insertion direction / discharge direction even when a special situation occurs It can be. Further, in the present embodiment, the change of the insertion direction / discharge direction by the operation of the operator switch 9 is made temporary, so that it is only necessary to perform the normal work in the next and subsequent electronic payment processing. Even when the setting of the insertion direction / discharge direction is changed when a situation occurs, the work for returning the setting is not required, so the burden on the store clerk can be reduced.
[0079]
In this embodiment, the card C is conveyed by the roller pairs 21 and 22. However, the present invention is not limited to this. For example, the card is formed by an endless belt disposed so as to face each other with the card path 18 therebetween. C may be conveyed.
[0080]
Next, a second embodiment of the present invention will be described with reference to FIG. FIG. 10 is a perspective view showing a card settlement system according to the second embodiment of the present invention. The card payment system 70 according to the present embodiment includes a POS terminal 71 and a payment terminal 1 as a card processing device. For example, in a store that performs face-to-face sales with a soccer table or the like in between, the POS terminal 71 is operated from the store clerk side and the payment terminal 1 is operated from the customer side.
[0081]
Although the description is omitted because it is a well-known technique, the POS terminal 71 includes a keyboard 72 having a plurality of operation keys operated by an operator such as a store clerk, a printer 73 that prints a receipt, etc. A display 74 for displaying data is provided. The POS terminal 71 is connected to a barcode scanner 75 that optically reads a product code attached to a product or the like.
[0082]
Although not particularly illustrated, the keyboard 72 includes a numeric key for manually inputting a product code, a deposit amount, etc., a deposit / cash key for executing a closing process by cash transaction in the product sales process, and a card settlement process. Various operation keys such as a card settlement key to be operated are arranged for each block. The keyboard 72 can input various codes by operating numeric keys. Although not particularly illustrated, the keyboard 72 is provided with a “discharge port setting” key that is operated when setting the discharge port described later.
[0083]
The settlement terminal 1 is connected to the POS terminal 71 via the cable L so as to be able to perform data communication, and the setting of the discharge direction setting file in the RAM 34 can be changed by operating the keyboard 72 of the POS terminal 71. It has a configuration. To set the discharge direction setting file, first, the “discharge direction setting” key on the keyboard 72 of the POS terminal 71 is operated to display a setting screen (not shown) similar to FIG. According to this setting screen, the store clerk sets the discharge direction in the setting fields A, B, C, D, E, F, G, and H by the same operation as described above, and operates the execution key when the setting is completed. . When the deposit / cash key is operated while the setting screen is displayed on the display 74, the POS terminal 71 outputs the set data to the settlement terminal 1.
[0084]
The settlement terminal 1 receives the data output from the POS terminal 71 via the cable L, and in accordance with the received data, the direction setting data 36a, 36b, 36c, 36d, 36e, 36f of the transport direction setting file 35 of the RAM 34. , 36g, 36h are updated.
[0085]
By setting the transport direction setting file 35 by operating the keyboard 72 of the POS terminal 71, workability at the time of setting is improved as compared with the setting work at the settlement terminal 1 in which the size and the number of keys are limited. be able to.
[0086]
Moreover, since it is not necessary to increase the number of keys in the keyboard 11 of the payment terminal 1, the enlargement of the payment terminal 1 can be prevented.
[0087]
Furthermore, in order to set the discharge direction setting area of the RAM 34 without increasing the number of keys, for example, since the number of keys is small, it is not necessary to perform an incomprehensible operation such as operating the same key multiple times. The operability can be improved.
[0088]
In the electronic settlement using the card C in the card settlement system 70, first, the POS terminal 71 executes a merchandise sales process based on the merchandise code input by operating the keyboard 72 or scanning by the barcode scanner 75. . The settlement amount relating to the merchandise sales process is transmitted to the settlement terminal 1 via the cable L. Here, the function as the sales data processing means is executed.
[0089]
The payment terminal 1 executes card payment processing based on the payment amount transmitted from the POS terminal 71, the data stored in the inserted card C, the password entered as necessary (see FIG. 9). ). Note that when executing the card payment process in the card payment system 70, a slip issued for various electronic payments such as a credit slip is issued from the printer 73 of the POS terminal 71.
[0090]
With such a configuration, the settlement terminal 1 can be connected to the conventional POS terminal 71 and used, so that operability can be improved and versatility can be further improved.
[0091]
According to the above embodiment, the card processing device is configured to perform electronic payment based on the payment amount input means for inputting the payment amount, the payment amount input by the payment amount input means, and the data read by the data processing unit. Electronic payment executing means for executing the electronic payment, even if the card is inserted from both the front and back sides, the electronic payment is executed based on the data stored in the storage medium of the card. Can do.
[0092]
Further, according to the above embodiment, the transport direction setting means of the card processing device sets the card transport direction by the transport means in accordance with the type of electronic payment executed by the electronic payment execution means. Operation suitable for the type of payment can be performed.
[0093]
According to the above embodiment, the card processing apparatus includes the transport direction storage unit that stores the transport direction of the card by the transport unit in association with the type of electronic settlement executed by the electronic settlement execution unit. The setting means sets the card conveyance direction by the conveyance means based on the conveyance direction stored in the conveyance direction storage means. For example, when performing a special operation for each store by setting the conveyance direction in advance. In addition, the card can be transported in a direction suitable for the operation form without any restriction.
[0094]
In addition, according to the above embodiment, the transport direction stored by the transport direction storage means is the insertion direction for transporting the card from the opening to the data processing unit, and the discharge direction for transporting the card from the data processing unit to the opening. Therefore, the card can be transported in a direction suitable for the operation mode in both cases of insertion and ejection of the card.
[0095]
According to the embodiment, the input means for inputting data, and the transport direction changing means for changing the transport direction stored in the insertion direction storage means based on the data input by the input means. Therefore, for example, the setting of the insertion direction can be arbitrarily changed by the operation of an operator such as a store clerk. Thereby, for example, even when special operations are performed for each store, the card can be transported in a direction suitable for the operation mode without any limitation.
[0096]
According to the embodiment, the card payment system includes the card processing device and the sales data processing means for transmitting the sales processing data executed based on the product data to the card processing device. It is possible to improve the operability during the setting operation of the discharge direction, and to improve versatility.
[0097]
【The invention's effect】
According to the present invention, a card inserted into either the front or back opening can be transported to the data processing unit without performing complicated operations such as changing the installation direction according to the type of electronic payment. In addition, since it is possible to perform data processing on the storage medium, it is possible to execute various electronic payments suitable for the operation mode.
[Brief description of the drawings]
FIG. 1 is a perspective view showing a state in which a payment terminal according to a first embodiment of the present invention is viewed from the front side.
FIG. 2 is a perspective view showing a state in which the payment terminal is viewed from the back side.
FIG. 3 is a longitudinal side view showing a payment terminal.
FIG. 4 is a plan view showing a key arrangement of a keyboard.
FIG. 5 is a block diagram schematically showing an electrical connection of each unit included in the payment terminal.
FIG. 6 is an explanatory diagram showing a discharge direction setting file.
FIG. 7 is a block diagram schematically showing electrical connection of each part included in the IC chip.
FIG. 8 is a plan view showing a setting screen.
FIG. 9 is a flowchart schematically showing a flow of card payment processing.
FIG. 10 is a perspective view showing a card settlement system according to a second embodiment of the present invention.
FIG. 11 is a perspective view showing a conventional card settlement system.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Card processing apparatus, 15 ... Housing | casing, 16,17 ... Opening part, 18 ... Card passage, 19 ... Data processing part, 70 ... Card payment system

Claims (7)

A housing provided with a pair of slit-like openings on the front and back surfaces;
A card path provided inside the housing and communicating with the pair of openings;
A conveying means for conveying a card having at least one of a magnetic stripe and an IC chip provided in the card path;
A data processing unit that performs data processing including data reading on the storage medium of the card that is provided in the card passage and is transported by the transport unit;
Payment amount input means for entering the payment amount;
Electronic payment execution means for executing electronic payment based on the payment amount input by the payment amount input means and the data read by the data processing unit;
And the card transport direction of the card by the transport means is set according to the type of electronic payment executed by the electronic payment execution means, and as one of the settings, as card payment with the card When it is determined that the execution of credit settlement has been declared, the transport means transports the card from the opening on the front side to the data processing unit, and the opening on the back side after data processing in the data processing unit It conveyed to the card processing device, characterized in that. A housing provided with a pair of slit-like openings on the front and back surfaces;
A card path provided inside the housing and communicating with the pair of openings;
A conveying means for conveying a card having at least one of a magnetic stripe and an IC chip provided in the card path;
A data processing unit that performs data processing including data reading on the storage medium of the card that is provided in the card passage and is transported by the transport unit;
Payment amount input means for entering the payment amount;
Electronic payment execution means for executing electronic payment based on the payment amount input by the payment amount input means and the data read by the data processing unit;
And the card transport direction of the card by the transport means is set according to the type of electronic payment executed by the electronic payment execution means, and as one of the settings, as card payment with the card When it is determined that debit card settlement is declared, the card is transferred from the opening on the front side to the data processing unit by the transfer means, and the opening on the front side is processed after data processing in the data processing unit. A card processing device, wherein the card processing device is transported to a section. A housing provided with a pair of slit-like openings on the front and back surfaces;
A card path provided inside the housing and communicating with the pair of openings;
A conveying means for conveying a card having at least one of a magnetic stripe and an IC chip provided in the card path;
A data processing unit that performs data processing including data reading on the storage medium of the card that is provided in the card passage and is transported by the transport unit;
Payment amount input means for entering the payment amount;
Electronic payment execution means for executing electronic payment based on the payment amount input by the payment amount input means and the data read by the data processing unit;
And the card transport direction of the card by the transport means is set according to the type of electronic payment executed by the electronic payment execution means, and as one of the settings, as card payment with the card When it is determined that execution of electronic money settlement has been declared, the transport means transports the card from the opening on the front side to the data processing unit, and after opening the data processing in the data processing unit, the opening on the front side A card processing device, wherein the card processing device is transported to a section. Corresponding to the type of electronic payment executed by the electronic payment execution means, the transfer means storing means for storing the card transfer direction of the card by the transfer means, and in the transfer direction stored by the transfer direction storage means based said conveying means by the card processing apparatus according to claim 1, wherein setting the transport direction of the card. The transport directions stored by the transport direction storage means are an insertion direction for transporting the card from the opening to the data processing unit, and a discharge direction for transporting the card from the data processing unit to the opening. The card processing apparatus according to claim 4 . An input means for inputting data;
A transport direction changing unit that changes the transport direction stored in the insertion direction storage unit based on data input by the input unit;
The card processing device according to claim 4 , further comprising: A card processing device according to any one of claims 1 to 6 ;
Sales data processing means for transmitting sales processing data executed based on product data to the card processing device;
A card payment system comprising:

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