JP4587747B2 - Transaction processing apparatus and transaction processing method - Google Patents

Description

  The present invention relates to a transaction processing apparatus that performs transaction processing on a non-contact type transaction medium and a transaction processing method in the apparatus.

  Contactless cards that can read / write information recorded on cards by contactless communication are becoming popular as commuter passes and transaction cards, and are used in automatic ticket gates and transaction processing devices (such as automatic cash deposit devices). Yes. In the transaction processing device, since the security of the contactless card is high, a value transfer that transfers a value corresponding to cash from the first contactless electronic money card to the second contactless electronic money card in the future. Transaction processing such as processing is performed. Further, the following are known as card readers (also referred to as reader / writers) of contactless cards used for such transaction processing.

  The card reader shown in the following Patent Document 1 includes a first communication coil and a second communication coil used for communication with a contactless card. The first communication coil is attached between the card insertion slot and a shutter inside the card insertion slot, and detects whether or not the card inserted from the card insertion slot is a card capable of non-contact communication. . If the card is a card capable of contactless communication, the shutter is opened, the card is taken into the card reader, and processing such as reading / writing on the contactless card is performed by the second communication coil. On the other hand, if the card inserted from the card insertion slot is a card or a foreign object that cannot be contactlessly communicated, the shutter will not open. In this way, cards and foreign objects that cannot be contactlessly communicated are prevented from being taken into the card reader.

  The card reader shown in the following Patent Document 2 includes one antenna inside the upper surface of the card reader housing, and a non-contact card or a card insertion slot that is trapped on the upper surface of the card reader by this antenna. Read / write is performed on the contactless card inserted and taken into the card reader. In addition, a magnetic head for reading / writing a magnetic card or a non-contact card with a magnetic stripe is provided inside the card reader.

  In addition, although it is not an apparatus which performs the transaction processing with respect to two contactless cards, the following patent document 3 shows the automatic ticket gate provided with the 1st antenna and the 2nd antenna. The first antenna provided on the upper surface of the main body of the automatic ticket gate reads the non-contact ticket and the non-contact token trapped on the antenna, and the second antenna provided near the token insertion slot is at the token insertion slot. Read the inserted contactless token. Further, Patent Document 4 below shows that a plurality of antennas are switched by an antenna switching unit in hardware. In addition, the communication procedure between the contactless card and the card reader is disclosed in Patent Document 5 below.

JP 2001-1108035 (paragraphs 0009 to 0018) JP-A-11-161751 (abstract, paragraphs 0065-0070) JP 2002-342799 A (paragraphs 0011 to 0039) JP-A-6-333097 (summary) JP 2000-123138 A (paragraphs 0012 to 0024)

  In the transaction processing apparatus using the card reader of Patent Document 1, the value transfer processing for transferring the value corresponding to cash from the non-contact type first electronic money card to the non-contact type second electronic money card is performed. The first electronic money card is taken into the card reader, the transfer value is reduced for the card, the card is ejected, and then the second electronic money card is taken into the card reader. After the transfer value increase process is performed on the card, the card is discharged. At this time, since the card user must look at the guidance message displayed on the transaction processing device and insert / remove two cards, it takes time to handle the card, resulting in a longer transaction processing time. There is. In addition, since the reduction process and the increase process cannot be continuously performed on the two contactless electronic money cards, the card user can use the second electronic money after the first electronic money card is discharged. Considering the case where no is inserted, there is a problem that the error processing of the transaction processing apparatus becomes very complicated.

In addition, when the above-described value transfer process is performed by a transaction processing apparatus using a card reader disclosed in Patent Document 2, a non-contact type electronic money card taken into the card reader and a non-contact type worn on the upper surface of the card reader. The electronic money card is read with a single antenna, the card that performs the transfer value increase process and the card that performs the decrease process cannot be identified, and the value transfer process cannot be performed. is there. In this card reader, the card insertion slot is arranged on the front surface of the card reader , and the portion holding the non-contact type card is arranged on the upper surface on the back side of the card reader. In an automatic cash deposit apparatus or the like in which a mouth is arranged, there is also a problem that a contactless card cannot be tricked into an antenna.

  The present invention solves the above-mentioned problems, and the problem is that a transaction processing apparatus capable of performing transaction processing for two non-contact type transaction media by simple transaction medium handling and the transaction processing device It is to provide a transaction processing method in an apparatus.

According to a first aspect of the present invention, there are provided an insertion slot for inserting a transaction medium, a conveyance means for conveying the transaction medium inserted into the insertion slot, and a non-contact type first transaction medium taken into the apparatus by the conveyance means. Using a first antenna used for communication, a second antenna used for communication with a non-contact type second transaction medium arranged at a predetermined position different from the insertion slot by the user, and the first antenna or the second antenna Non-contact communication means for communicating with the first transaction medium or the second transaction medium, instruction means for instructing transaction processing for the first transaction medium and / or the second transaction medium, non-contact communication while controlling the conveying means and a control means for communicating with means for, based on the contents of the indicated transaction processing with instructions means, by non-contact communication means intends line communicates with the first transaction medium and / or second transaction medium First trading medium A transaction processing apparatus for performing a transaction processing on the pre / or second transaction medium, the control unit, when the transaction is performed using a first transaction medium and the second transaction medium, firstly, a predetermined position by the user Based on the communication between the arranged second transaction medium and the second antenna, it is determined whether or not the second transaction medium is a compatible medium, and then the first transaction medium and the Based on communication with one antenna, it is determined whether or not the first transaction medium is a compatible medium. When both the first transaction medium and the second transaction medium are compatible media, the transaction indicated by the instruction means Process.

  By doing as described above, in transaction processing for two contactless transaction media, the transaction media user inserts the first transaction media from the insertion slot, and places the second transaction media in a predetermined position of the apparatus. This can be done by handling a simple transaction medium, and the processing time of transaction processing can be shortened. Further, since two antennas are provided, processing for two non-contact type transaction media (for example, value increase processing of the second card and value reduction processing of the first card in the value transfer processing shown in the embodiment) Can be automatically performed continuously, and the above-described problems caused by taking in and out two transaction media in the middle of transaction processing do not occur. Further, the transaction medium user can also perform transaction processing for one non-contact type transaction medium by inserting the first transaction medium from the insertion slot or by arranging the second transaction medium at a predetermined position of the apparatus. it can.

In the embodiment of the first invention, the control means permits the transfer of the first transaction medium immediately after the instruction means instructs the transaction processing, and the second transaction medium and the second contact medium by the non-contact communication means. Allow communication with 2 antennas. By doing as above, it is possible to communicate with the second transaction medium using the second antenna until the first transaction medium is transported to a position where it can communicate with the first antenna. In addition, when the first transaction medium is inserted from the insertion slot, the first transaction medium can be automatically conveyed to a position where it can communicate with the first antenna. By switching to the first antenna, it is possible to immediately communicate with the first transaction medium. Thereby, the processing time of transaction processing can be shortened.

  Moreover, in embodiment of 1st invention, the storage part which accommodates the 2nd transaction medium, and the fixing means which fixes the 2nd transaction medium accommodated in the said accommodating part are provided. By fixing the second transaction medium stored in the storage unit with the above-mentioned fixing means, the transaction medium user cannot remove the second transaction medium from the storage unit in the middle of the transaction process.・ Can be performed reliably.

  Furthermore, in the embodiment of the first invention, the conveying path for taking in the first transaction medium by the conveying means is provided with contact access means for making contact with the contact type transaction medium, and the first is taken into the apparatus. If the transaction medium is a contact type transaction medium, the control means communicates with the first transaction medium via the contact access means. As described above, the contact type first transaction medium (for example, a magnetic card or a contact type card) is provided via a contact access means (for example, a probe for contacting a contact of a magnetic head or a contact type card). Therefore, even if the first transaction medium is a contact-type transaction medium, transaction processing for one or two transaction media can be performed.

The second invention includes an insertion slot for inserting a transaction medium, a conveyance means for conveying the transaction medium inserted into the insertion slot, and a non-contact type first transaction medium taken into the apparatus by the conveyance means. The first antenna used for communication, the second antenna used for communication with the non-contact type second transaction medium arranged at a predetermined position different from the insertion port by the user , the first transaction medium and / or the second and a instruction means for instructing a transaction process for the transaction medium, a transaction processing method in a transaction processing apparatus for performing transaction processing instructed by the instruction means, transaction line using the first transaction medium and the second transaction medium First, based on the communication between the second transaction medium placed at a predetermined position by the user and the second antenna, it is determined whether or not the second transaction medium is a compatible medium, and then the conveying means. By inside Based on communication between the inserted first transaction medium and the first antenna, it is determined whether or not the first transaction medium is a compatible medium, and both the first transaction medium and the second transaction medium are compatible media. In this case, the transaction processing instructed by the instruction means is performed.

  By doing as described above, in transaction processing for two contactless transaction media, the transaction media user inserts the first transaction media from the insertion slot, and places the second transaction media in a predetermined position of the apparatus. This can be done by handling a simple transaction medium, and the processing time of transaction processing can be shortened. Also, since two antennas are used, processing for two non-contact type transaction media (for example, value increase processing of the second card and value reduction processing of the first card in the value transfer processing shown in the embodiment) is continuously performed. The above-described problems caused by taking in and out two transaction media in the course of transaction processing do not occur. Further, the transaction medium user can also perform transaction processing for one non-contact type transaction medium by inserting the first transaction medium from the insertion slot or by arranging the second transaction medium at a predetermined position of the apparatus. it can.

  In the embodiment of the second invention, when the process for the first transaction medium and the process for the second transaction medium are performed, the other process is performed based on the processing result of one of the two processes. By doing the above, it is possible to transfer value corresponding to cash from one contactless electronic money card to the other contactless electronic money card, or from a contactless cash card account. It is possible to perform charge processing from an account that increases by adding the reduced amount to the value of the contactless electronic money card.

Further, in Embodiment 2 of the present invention, the media type of the first transaction medium obtained in communication with the first transaction medium, medium type of the second transaction medium obtained in communication with the second transaction medium And when any of the medium types is a medium type to be processed in the transaction process , when the first transaction medium is inserted from the insertion slot and the second transaction medium is placed at a predetermined position; and In any case when the first transaction medium is placed at a predetermined position and the second transaction medium is inserted from the insertion slot, the transaction processing is permitted . By doing so, for example, in the charge processing from an account that adds the amount reduced from the cash card account to the value of the electronic money card and increases it, the first transaction medium is either the cash card or the electronic money card Even so, the charge processing from the account can be performed. That is, since the card user may insert the cash card from the insertion slot or place it at a predetermined position of the apparatus, handling of the transaction medium that occurs when the cash card is defined as the first transaction medium It is possible to prevent a mistake (the card user from using the cash card as the second transaction medium, that is, placing the cash card at a predetermined position of the apparatus).

Further, in the embodiment of the second invention, immediately after the instructing means instructs the transaction processing, the transfer of the first transaction medium by the transport means is permitted and the communication between the second transaction medium and the second antenna is permitted. To do . By doing as above, it is possible to communicate with the second transaction medium using the second antenna until the first transaction medium is transported to a position where it can communicate with the first antenna. In addition, when the first transaction medium is inserted from the insertion slot, the first transaction medium can be automatically conveyed to a position where it can communicate with the first antenna. By switching to the first antenna, it is possible to immediately communicate with the first transaction medium. Thereby, the processing time of transaction processing can be shortened.

  Furthermore, in the embodiment of the second invention, when the second transaction medium is a target of transaction processing instructed by the instruction means, the second transaction medium is fixed at a predetermined position during a predetermined period of the transaction processing. To do. By doing so, the transaction medium user cannot remove the second transaction medium from the storage unit during the transaction process, so that the transaction process can be performed safely and reliably.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction processing with respect to two contactless transaction media can be performed by handling of a simple transaction medium, and the processing time of transaction processing can be shortened.

  Hereinafter, a transaction processing apparatus (hereinafter referred to as an apparatus) according to the present invention will be described with reference to the drawings. FIG. 1 is a perspective view showing the appearance of the apparatus. FIG. 2 is a sectional view showing a mechanism for fixing the card in the card pocket. FIG. 3 is a diagram showing a schematic mechanism of the card reader unit. FIG. 4 is a diagram showing an electrical configuration of the apparatus.

  In FIG. 1, 20 is a housing of the apparatus, 21 is a front panel of the housing 20, 22 is a card insertion slot for inserting the card 1, and 23 is a card pocket for storing and holding the card 2. Reference numeral 24 denotes a form issuing port for issuing a form on which processing details and the like performed by the apparatus are printed. Reference numeral 25 denotes a display unit for displaying operation guidance and error messages for the apparatus. Reference numeral 26 denotes a keyboard having a numeric keypad, a cancel key, and the like. . When the display unit 25 includes a touch panel, the display unit 25 can have the function of the keyboard 26. Reference numeral 27 denotes a deposit / withdrawal port for inputting cash or taking out cash released by the apparatus, and 28 is a deposit / withdrawal port door for opening / closing the deposit / withdrawal port 27.

  Reference numeral 11 denotes a first antenna used for non-contact communication with the card 1 inserted from the card insertion slot 22, and is provided inside a card reader unit 30 (FIG. 3) described later. A second antenna 12 is used for contactless communication with the card 2 and is provided on the back side of the front panel 21. Hereinafter, the card 1 inserted from the card insertion slot 22 is referred to as a first card 1, and the card 2 stored in the card pocket 23 is referred to as a second card 2. Further, since the issue of the form is not a direct matter of the present invention, the description of the printer for printing the form, the form issue method, and the like will be omitted.

  FIG. 2 is a longitudinal sectional view at the center of the card pocket 23 and shows the structure of the card fixing means 29 for fixing the position of the second card 2 in the card pocket 23. Usually, the front surface of the pressing member 29 a of the card fixing means 29 is flush with the front surface of the front panel 21. The solenoid 29b of the card fixing means 29 is indicated by a signal from the control unit 40 until the transaction process is completed after the control unit 40 (FIG. 4) determines that the second card 2 is a card to be processed. , And the pressing member 29a moved forward presses the second card 2 against the inner wall of the card pocket 23. Fixing the second card 2 in this way prevents the card user from taking out the second card 2 from the card pocket 23 during the transaction process. The card fixing means 29 may have another structure.

  Here, a card which is a transaction medium used in the present apparatus will be described. Only the non-contact card (non-contact type card) can be used as the second card 2. The first card 1 can be a contact card such as a non-contact card and a contact card (contact card) or a magnetic card. A non-contact card is a card incorporating an antenna, a transmission / reception circuit, a control circuit, a non-volatile memory, a power supply circuit, and the like, and performs non-contact communication with a card reader using fluctuations in a magnetic field penetrating the antenna. By this non-contact communication, data read from the nonvolatile memory is transmitted to the card reader, and data to be written to the nonvolatile memory is received from the card reader. A contact card is a card having a plurality of contacts that come into contact with contacts (probes) on the card reader side on the surface, and a built-in transmission / reception circuit, control circuit, nonvolatile memory, etc., and communicates with the card reader via the contacts. Except for the points, it has almost the same function as a contactless card.

  Next, the card reader unit 30 will be described with reference to FIG. The card reader unit 30 has a card taking-in permission state in which the first card 1 is taken in and a card taking-in prohibition state in which the first card 1 is not taken in, and two states are set by the control unit 40. When the first card 1 is inserted from the card insertion slot 22 on the front surface of the housing 31 and the leading end of the first card 1 is detected by the card detection sensor 34a in the capture-permitted state, the shutter 32 opens and the roller 33 opens. Rotates forward, and the first card 1 is taken into the card reader unit 30. When the first card 1 is conveyed by the roller 33 and the leading edge of the first card 1 is detected by the card detection sensor 34c, the rotation of the roller 33 stops and the first card 1 also stops. A position where the first card 1 indicated by a solid line is stopped is called a card stop position.

  In the above card stop position, if the first card 1 is a contactless card, contactless communication with the first card 1 can be performed using the first antenna 11. If the first card 1 is a contact card, the probe unit 36 is lowered, and the probe 36a of the probe unit 36 is brought into contact with the contact of the first card 1, whereby communication with the first card 1 can be performed. . When the transaction process for the first card 1 is completed, the first card 1 is discharged. First, when the probe unit 36 is in the lowered position, after the probe unit 36 has been lifted, the roller 33 is reversed to transport the first card 1 to the card insertion slot 22 side.

  When the rear end of the first card 1 is detected by the card detection sensor 34b, the shutter 32 is opened, the first card 1 is further extracted, and the rear end of the first card 1 is detected by the card detection sensor 34a. Then, the shutter 32 is closed. In this way, the discharge of the first card 1 is completed. The normal rotation / reverse rotation / stop of the roller 33 is performed by the control unit 40 controlling a motor (not shown) that rotates the roller 33 based on detection signals of the card detection sensors 34a to 34c. The opening / closing of the shutter 32 and the raising / lowering of the probe unit 36 are also controlled by the control unit 40. If the first card 1 is a magnetic card, the magnetic head 35 can read the data on the magnetic card when the first card 1 is taken in, and can write the data to the magnetic card when the first card 1 is ejected.

  The control unit 40 shown in FIG. 4 includes a CPU, a memory, and the like. The CPU controls each unit of the apparatus by executing a program stored in the memory. In addition to the above-described keyboard 26 and the like, a non-contact card communication unit 41 and the like are connected to the control unit 40. The contactless card communication unit 41 includes a transmission circuit, a reception circuit, a control circuit, and the like. The transmission circuit modulates the carrier wave with the transmission data and drives the first or second antenna 11 or 12 with the modulation signal to transmit the transmission data to the contactless card. The reception circuit generates reception data by demodulating a signal from the contactless card received by the first or second antenna 11 or 12. The control circuit relays transmission / reception data between the control unit 40, the transmission circuit and the reception circuit, and controls communication with the contactless card. Thus, although it is the non-contact card communication part 41 that actually communicates with a non-contact card, below, it may be described that the control part 40 transmits or receives for convenience of explanation.

  The antenna switching unit 42 switches the antenna connected to the contactless card communication unit 41 based on a signal from the control unit 40. That is, when performing non-contact communication with the first card 1, the first antenna 11 (hereinafter also referred to as the internal antenna 11) is switched, and when performing non-contact communication with the second card 2, the second antenna 12 (hereinafter referred to as the non-contact communication). , Also referred to as external antenna 12). From the above, the first antenna 11, the antenna switching unit 42, and the contactless card communication unit 41 constitute a card reader for the first card 1, and the second antenna 12, the antenna switching unit 42, and the contactless card communication unit 41. Thus, a card reader for the second card 2 is configured.

  The contact card communication unit 43 includes a transmission circuit, a reception circuit, a control circuit, and the like, and communicates with the contact card while the probe 36a of the probe unit 36 is in contact with the contact of the contact card. The magnetic card RW unit 44 performs signal processing on the write data delivered from the control unit 40 to generate a write signal for the magnetic head 35. In addition, read data generated by performing signal processing on the read signal of the magnetic head 35 is passed to the control unit 40. The host communication unit 45 transmits and receives data between the control unit 40 and the host device 50 (for example, a bank host computer). The mechanical mechanism drive unit 46 drives the solenoid 29b of the fixing means 29, a motor that rotates the roller 33, a solenoid that opens and closes the shutter 32, a motor that raises and lowers the probe unit 36, a motor that opens and closes the deposit / withdrawal door 28, and the like. And a circuit for controlling each drive unit. Based on commands and signals from the control unit 40, the mechanical mechanism such as the roller 33 is controlled and driven.

  Next, the operation of the apparatus according to the present invention will be described using a flowchart. FIG. 5 is a flowchart of the main process. When the apparatus is turned on, the control unit 40 displays executable transaction processing on the display unit 25 (S1). The name of each transaction process, the contents of each transaction process, and the like are displayed as executable transaction processes. For example, in a value transfer process in which a value corresponding to cash is transferred from one electronic money card to the other electronic money card, the electronic money card of the value transfer source is inserted into the card insertion slot 22, and the value transfer destination electronic money card is transferred. A message indicating that the money card is to be inserted into the card pocket 23 and an operation procedure of the keyboard 26 for performing value transfer processing are displayed. When the keyboard 26 is operated in this state and a transaction process to be executed is instructed (S2: YES), the control unit 40 performs the instructed transaction among the value transfer process, the charge process from the account, and the cash charge process. A process is called (S3 to S5). Hereinafter, the transaction processing will be described in order.

  First, the value transfer process will be described with reference to FIGS. In the value transfer process, first, in order to confirm whether or not the first card 1 suitable for the value transfer process is inserted from the card insertion slot 22 and the second card 2 suitable for the value transfer process is set in the card pocket 23. The control unit 40 calls the two-card confirmation process shown in FIG. 7 (S11). In order to perform value transfer processing, the second card 2 must be a contactless card, but here the first card 1 must also be a contactless card. In addition, the meaning of a card suitable for the value transfer process will be described later.

  In the two-card confirmation process, the control unit 40 permits the first card 1 to be taken in (S31). That is, the card reader unit 30 is set to the above-described card loading permission state. As a result, when the card detection sensor 34a detects the insertion of the first card 1, the shutter 32 is opened and the roller 33 is rotated forward, so that the first card 1 is conveyed into the card reader unit 30 and the card stop position described above. Stop at. The above operation is realized by controlling the mechanical mechanism drive unit 46 with a program (not shown) executed by the control unit 40 in parallel with the value transfer process.

  Next, the control unit 40 switches the antenna to the external antenna 12 by sending an antenna switching signal to the antenna switching unit 42 (S32). As a result, the external antenna 12 and the contactless card communication unit 41 are connected, and the control unit 40 can perform contactless communication with the second card 2 set in the card pocket 23. After switching the antenna to the external antenna 12, the control unit 40 repeatedly transmits a polling command for urging to return the card attribute to the second card 2 until a response is received from the second card 2 (S33 to S34). This response includes data such as a card company, a card type, and a card-specific number (ID number) such as an account number.

  When a response is received from the second card 2 (S34: YES), that is, when the non-contact type second card 2 is set in the card pocket 23, the control unit 40 checks the data in the response to check the second card. It is determined whether 2 is a matching card (S35). The conforming card is a card that can be a target of value transfer processing in this apparatus, and is, for example, an electronic money card issued by a predetermined card business. If the second card 2 is not a conforming card (S35: NO), the control unit 40 displays an error message indicating that the second card 2 is not a conforming card on the display unit 25 (S36), indicating an error end. The process is returned to the caller with 0 as a return value (S37). The numbers in parentheses in S37 are return values.

  On the other hand, when the second card 2 is a compatible card (S35: YES), the control unit 40 waits until the first card 1 is inserted from the card insertion slot 22 and stops at the card stop position (S38). When it is detected that the first card 1 has stopped at the card stop position (S38: YES), the control unit 40 switches the antenna to the internal antenna 11 by sending an antenna switching signal to the antenna switching unit 42 (S39). . As a result, the internal antenna 11 and the contactless card communication unit 41 are connected, and the control unit 40 can perform contactless communication with the first card 1. After switching the antenna to the internal antenna 11, the control unit 40 transmits a polling command that prompts the first card 1 to return the card attribute (S40). In this situation, since the first card 1 is in a position where it can communicate with the first antenna 11, if the first card 1 is a contactless card, the control unit 40 immediately receives a response from the first card 1.

  When a response is received from the first card 1 (S41: YES), it is determined whether or not the first card 1 is a compatible card, as in the case of the second card 2 described above (S42). If the first card 1 is a matching card (S42: YES), the control unit 40 returns the process to the caller with 1 indicating normal termination as a return value (S43). On the other hand, when no response is received from the first card 1 (S41: NO), that is, when the first card 1 is not a contactless card, or when the first card 1 is not a compatible card (S42: NO), control is performed. The unit 40 controls the mechanical mechanism drive unit 46 to eject the first card 1 from the card reader unit 30 (S44). Further, a message indicating that the first card 1 is not a contactless card or that the first card 1 is not a compatible card is displayed on the display unit 25 (S45), and the process is called with 0 indicating an error end as a return value. Return to the original (S46).

  As described above, immediately after the start of the value transfer process, the first card 1 is permitted to be taken in, and the antenna is switched to the external antenna 12, so that the external card is stopped before the first card 1 stops at the card stop position. 12, the compatibility of the second card 2 can be confirmed. If the first card 1 is inserted from the card insertion slot 22, the compatibility of the first card 1 is immediately confirmed by switching the antenna to the internal antenna 11 after the confirmation of the compatibility of the second card 2 is completed. Confirmation can be made. Thereby, the processing time of the value transfer process can be shortened.

  Further, instead of the two-card confirmation process shown in FIG. 7, a second two-card confirmation process shown in FIG. 8 may be used. In FIG. 7, after confirming the suitability of the second card 2, the suitability of the first card 1 is confirmed. However, in FIG. 8, the suitability can be confirmed first among the first and second cards 1 and 2. The compatibility is checked from the card that has become. Specifically, when there is no response from the second card 2 (S54: NO), if it is detected that the first card 1 has stopped at the card stop position (S63: YES), the second card 2 conforms. Even if the sex confirmation (S55) has not been completed, the compatibility of the first card 1 is confirmed (S64). As a result, the throughput of the value transfer process can be somewhat increased.

  In the flowcharts of FIGS. 7 and 8, the second card 2 is not set in the card pocket 23, and no response is received from the second card 2 indefinitely (S33 to S34 in FIG. 7, S67 in FIG. 8). To S68), or when the first card 1 is not inserted from the card insertion slot 22 and it is not detected that the first card 1 is at the stop position (S38 in FIG. 7, S56 in FIG. 8). There arises a problem that the confirmation process of two cards does not end. In response to this, for example, the above problem can be solved by monitoring the elapsed time with a timer and forcibly terminating the confirmation process for two cards when the timer expires.

  Returning to the description of FIG. If the two-card confirmation process (S11) ends in error and the return value is 0 (S12: YES), the control unit 40 returns the process to the caller (S22). On the other hand, when the two-card confirmation process (S11) is normally completed and the return value is 1 (S12: NO), that is, both the first and second cards 1 and 2 are non-contact compatible cards. The control unit 40 confirms the personal identification number of the first card 1 (S13). In this confirmation, whether the password stored in the non-volatile memory of the first card 1 (that is, the password included in the response from the first card 1 described above) matches the number input from the keyboard 26. This is done by checking whether or not. Alternatively, the password returned from the host device 50 when the ID number of the first card 1 is transmitted to the host device 50 via the host communication unit 45 is used for the above confirmation. Here, it is assumed that the password is correct. Further, although only the password of the first card 1 whose value is reduced is confirmed, the password of the second card 2 may also be confirmed.

  When the confirmation of the personal identification number is completed, the control unit 40 displays a message that prompts the user to input the transfer value to be transferred from the first card 1 to the second card 2, that is, the amount to be transferred from the first card 1 to the second card 2. And the card user is allowed to input the transfer value from the keyboard 26 (S14). Next, the control unit 40 transmits the antenna switching signal to the antenna switching unit 42 to switch the antenna to the external antenna 12 (S15), and further, the above moving value is set to the value (current balance) of the second card 2. By adding, the value of the second card 2 is increased (S16).

  The process of increasing the value is performed as follows. First, the control unit 40 transmits a polling command to the second card 2. Second, the second card 2 and the control unit 40 perform mutual authentication of the card reader and the second card 2. Here, it is assumed that mutual authentication has been performed correctly. Third, the second card 2 reads the value from the nonvolatile memory and transmits it to the control unit 40. Fourth, the moving value is added to the value received by the control unit 40, and the addition result (increased value) is transmitted to the second card 2, and the second card 2 is non-volatile with the increased value. Rewrite value in memory. Fifth, the control unit 40 receives the increased value read from the non-volatile memory of the second card 2 and verifies it with the transmitted increased value. Here, the values of both values are assumed to be equal.

  Next, the control unit 40 switches the antenna to the internal antenna 11 by sending an antenna switching signal to the antenna switching unit 42 (S17). Further, the value of the first card 1 is reduced by subtracting the transfer value from the value of the first card 1 (S18). The value reduction process is performed in the same procedure as the value increase process (S16). Thereafter, the control unit 40 discharges the first card 1 taken into the apparatus from the card reader unit 30 by controlling the rotation of the roller 33 (S19). Further, the control unit 40 displays an end message such as “Moved 10,000 yen from the first card to the second card” on the display unit 25 (S20), and returns the processing to the caller (S21).

  As described above, in the value transfer process, which is one of the transaction processes for two cards, that is, the first and second cards 1 and 2, the card user inserts the first card 1 from the card insertion slot 22. Since transaction processing can be performed by simple card handling such as setting the second card in the card pocket 23, the processing time of transaction processing can be shortened. In addition, since the first and second antennas 11 and 12 are provided, the first and second cards of the non-contact type can be used without having to put in and out of the first and second cards 1 and 2 during the transaction process. Processes 1 and 2 (for example, the above-described reduction process using the transfer value and the increase process using the transfer value) can be automatically performed continuously.

  Further, since the antenna switching unit 42 sequentially switches to the internal antenna 11 or the external antenna 12 according to the progress of the transaction process, that is, according to the sequence of the program executed by the CPU of the control unit 40, the control unit 40 has 1 One contactless card communication unit 41 can perform processing for the first and second cards 1 and 2. In the value transfer process described above, it has been defined in advance that the value is transferred from the first card 1 to the second card 2. However, when the transfer value is input from the keyboard 26 (S14 in FIG. 6), the value is transferred. The card user may be allowed to specify the movement direction (that is, the value transfer source card and the value transfer destination card).

  Next, a value transfer process in which a non-contact card and a contact card can be used as the first card 1 will be described. In the present embodiment, in S11 of FIG. 6, the second two-card confirmation process shown in FIG. 9 is called. Hereinafter, differences between FIG. 9 and FIG. 7 will be described. In FIG. 7, when there is no response from the first card 1 (S41: NO), the process ends in error. On the other hand, when there is no response from the first card 1 in FIG. 9 (S91: NO), the control unit 40 brings the probe 36a into contact with the contact of the contact card via the probe 36a of the probe unit 36. Then, a command prompting to return the card attribute is transmitted to the first card 1 (S94), and it is determined whether or not a response is received from the first card 1 (S95). It should be noted that the difference in data and command transmission / reception procedures between the contactless card and the contact card is absorbed by the contactless card communication unit 41 and the contact card communication unit 43, and the control unit 40 controls the contactless card and contact card. The following description will be given on the assumption that data and commands can be transmitted and received in substantially the same transmission and reception procedure.

  When a response is received from the first card 1 (S95: YES), that is, when the first card 1 is a contact card, the control unit 40 determines whether or not the first card 1 is a compatible card ( S96). If the first card 1 is a compatible card (S96: YES), the control unit 40 returns the process to the caller with 2 indicating that the first card 1 is a contact card (S97). On the other hand, when no response is received from the first card 1 (S95: NO), or when the first card 1 is not a compatible card (S96: NO), the control unit 40 performs error processing (S98 to S100). Do. Note that the control unit 40 lowers the probe unit 36 and sends the probe 36a to the contact of the contact card before transmitting the command to the contact card. Further, before discharging the first card 1 from the card reader unit 30 (S19 in FIG. 6 and S98 in FIG. 9), the probe unit 36 is raised so as not to prevent the discharge of the first card 1.

  In the value transfer process of the present embodiment, when the return value from the second two card confirmation process of FIG. 9 is 2, that is, when the first card 1 is a contact card, the control unit 40 performs the process shown in FIG. Step S17 is skipped, and in addition to the value increase process for the contactless first card 1 in step S18, the value increase process for the contact card is performed. Here, the case where the first card 1 is a non-contact card or a contact card has been described. However, although there is a security problem, even if the first card 1 is a magnetic card, the magnetic head 35 is used similarly. Can be processed.

  Next, the account charging process (S4 in FIG. 5) will be described with reference to FIG. The charging process from the account is a process of charging (increasing) the value withdrawn from the bank account of the first card 1, for example, a cash card, to the value of the second card 2, for example, an electronic money card. First, the two-card confirmation process of FIG. 7 is called (S201). In this case, the determination as to whether or not the first card 1 in S42 of FIG. 7 is a compatible card is whether or not the attribute of the first card 1 is a card that can withdraw cash from an account like a cash card. Is done by.

  If the two-card confirmation process ends in error and the return value is 0 (S202: YES), the control unit 40 returns the process to the caller (S211). On the other hand, when the two-card confirmation process is normally completed and the return value is 1 (S202: NO), that is, when both the first and second cards 1 and 2 are non-contact compatible cards, FIG. In the same manner as in S13, the control unit 40 confirms the personal identification number of the first card 1 (S203). Next, in the same manner as in S14 of FIG. 6, the control unit 40 causes the card user to input the charge amount to be withdrawn from the account of the first card 1 and charged to the value of the second card 2 from the keyboard 26 (204). . When the charge amount is input, the control unit 40 transmits the account number and the charge amount to the host device 50 via the host communication unit 45 in order to reduce the charge amount from the account of the first card 1. (S205). In the host device 50, the charge amount is reduced from the account of the received account number.

  Next, the control unit 40 sends an antenna switching signal to the antenna switching unit 42 to switch the antenna to the external antenna 12 (S206), and the charge amount is set to the value of the second card 2 in the same manner as S16 in FIG. By adding to (current balance), the value of the second card 2 is increased (S207). Thereafter, the control unit 40 controls the rotation of the roller 33 to eject the first card 1 from the card reader unit 30 (S208), and further displays an end message on the display unit 25 (S209). Return to the caller (S210). Further, if the third card two-sheet confirmation process shown in FIG. 9 is called in S201 of FIG. 10, the charge process from the account can be performed even if the first card 1 is a contact card. Furthermore, even if the first card 1 is a magnetic card, a charge process from an account may be performed.

  In the above-described charging process from the account, it has been defined in advance that the value is charged from the account of the first card 1 (cash card) to the second card 2 (electronic money card). However, if an electronic money card (first card 1) is inserted from the card insertion slot 22 in this way, the first card 1 is treated as an incompatible card. That is, a card user's card handling mistake occurs. Therefore, without performing the above-mentioned regulation, the control unit 40 determines the attribute of the first and second cards 1 and 2 (that is, whether it is a cash card or an electronic money card), and one is a cash card, If the other is an electronic money card, the first and second cards 1 and 2 may be handled as compatible cards to perform a charge process from an account. In this way, the card user may insert the cash card from the card insertion slot 22 or set it in the card pocket 23, so that the handling error does not occur.

  Next, a cash charge process (S5 in FIG. 5) will be described as an example of a transaction process for one card, that is, the first or second card 1 or 2. The cash charging process is a process of charging the amount of cash inserted from the deposit / withdrawal port 27 into the value of either the first or second card 1 or 2, that is, the charge amount. Here, the first and second cards 1 and 2 are cards that can be charged with a charge amount, such as an electronic money card. Further, as the first card 1, a non-contact card and a contact card can be used.

  Hereinafter, the cash charging process will be described with reference to FIGS. 11 and 12. First, the control unit 40 calls up a card confirmation process shown in FIG. 12 (S301). Hereinafter, a single card confirmation process will be briefly described. First, the control unit 40 permits the first card 1 to be taken in (S401). As a result, when the first card 1 is inserted from the card insertion port 22, the first card 1 is transported to the card stop position by transport means such as a roller 33. Further, the control unit 40 switches the antenna to the external antenna 12 (S402), and transmits a polling command that prompts the second card 2 to return the card attribute (S403).

  If a response is received from the second card 2 as a result of transmitting the polling command (S404: YES), whether or not the second card 2 is a compatible card, for example, an electronic money card, by examining the data in the response. Is determined (S405). When the second card 2 is a compatible card (S405: YES), the control unit 40 returns the process to the caller with 2 indicating that the second card 2 is a compatible card as a return value (S408). When the second card 2 is not a conforming card (S405: NO), the control unit 40 displays an error message on the display unit 25 (S406), and returns the process to the caller with 0 indicating the error end as a return value. (S407).

  If a response is not received from the second card 2 even if the polling command is transmitted (S404: NO), for example, if the non-contact type second card 2 is not set in the card pocket 23, the card insertion slot 22 It is determined whether or not the first card 1 inserted from is stopped at the card stop position (S409). When the first card 1 is not stopped at the card stop position (S409: NO), the control unit 40 transmits a polling command to the second card 2 again (S403). If the first card 1 is stopped at the card stop position (S409: YES), the control unit 40 switches the antenna to the internal antenna 11 (S410) and then returns the card attribute to the first card 1. A polling command for prompting is transmitted (S411).

  When a response is received from the first card 1 as a result of transmitting the polling command (S412: YES), whether or not the first card 1 is a compatible card, for example, an electronic money card, by examining data in the response. Is determined (S413). When the first card 1 is a compatible card (S413: YES), the control unit 40 returns the process to the caller with 1 indicating that the first card 1 is a non-contact compatible card as a return value ( S414). When the first card 1 is not a conforming card (S413: NO), the control unit 40 controls the rotation of the roller 33 and the like to eject the first card 1 from the card reader unit 30 (S419) and an error. A message is displayed on the display unit 25 (S420), and the process is returned to the caller with 0 indicating an error end as a return value (S421).

  If the response is not received from the first card 1 even if the polling command is transmitted (S412: NO), the first card 1 may be a contact card. A command is sent to the first card 1 via the probe 36a, that is, the probe 36a is brought into contact with the contact of the contact card, and the card attribute is returned to the first card 1 (S415), and a response is received from the first card 1. It is determined whether or not (S416). When the response is received (S416: YES), that is, when the first card 1 is a contact card, the control unit 40 determines whether or not the first card 1 is a compatible card (S417). If the first card 1 is a compatible card (S417: YES), the control unit 40 returns the process to the caller with 3 indicating that the first card 1 is a contact-type compatible card as a return value (S418). ). On the other hand, when no response is received from the first card 1 (S416: NO), or when the first card 1 is not a compatible card (S417: NO), the control unit 40 performs the above error processing (S419 to S421). )I do.

  Here, it returns to description of FIG. When the one-card confirmation process (S301) ends in error and the return value is 0 (S302: YES), the control unit 40 returns the process to the caller (S317). On the other hand, when the one-card confirmation process (S301) is normally completed and the return value is 1 to 3 (S302: NO), the control unit 40 opens the deposit / withdrawal door 28, and the first or second card. A message prompting the user to insert the amount of money to be charged into 1 and 2 into the deposit / withdrawal port 27 is displayed on the display unit 25 to allow the card user to insert cash (S303).

  When cash is inserted, the amount of cash inserted by a money processing unit (not shown) is obtained. The control unit 40 displays the calculated amount, that is, the charge amount on the display unit 25, and allows the card user to confirm the charge amount (S304). In this state, when the card user presses the cancel key of the keyboard 26 and instructs to cancel the cash charge process (S305: YES), the control unit 40 is inserted by controlling the money processing unit (not shown). The cash is discharged to the deposit / withdrawal port 27 (S318). Further, when the return value is 1 or 3 (S319: YES), that is, when the first card 1 is taken into the card reader unit 30, the control unit 40 ejects the first card 1. (S320), the process is returned to the caller (S321).

  When cancellation of the cash charge process is not instructed (S305: NO), the control unit 40 checks whether the return value is 1 to 3 (S306, S312), and processes according to the return value I do. When the return value is 1 (S306: YES), that is, when the non-contact type first card 1 is taken into the card reader unit 30, the control unit 40 switches the antenna to the internal antenna 11 (S307). 6, the value of the first card 1 is increased by adding the charge amount to the value of the first card 1 by the same procedure as S16 in FIG. 6 (S308), and the first card 1 is discharged from the card reader unit 30. (S309).

  When the return value is 2 (S312: YES), that is, when the non-contact type second card 2 is set in the card pocket 23, the control unit 40 switches the antenna to the external antenna 12 (S313), The value of the second card 2 is increased by adding the charge amount to the value of the second card 2 by the same procedure as S16 of No. 6 (S314). When the return value is 3 (S312: NO), that is, when the contact-type first card 1 is taken into the card reader unit 30, the control unit 40 passes the probe 36a of the probe unit 36, that is, The value of the first card 1 is increased by bringing the probe 36a into contact with the contact point of the first card 1 and adding the charge amount to the value of the first card 1 (S315). The card is discharged from the card reader unit 30 (S316). When the process for each return value is completed, the control unit 40 displays an end message on the display unit 25 (S310), and returns the process to the caller (S311).

  Moreover, in the transaction processing apparatus installed in a retail store etc., the payment process with respect to one card | curd is performed similarly to said cash charge process. In the payment process, the purchased product is paid by the first or second card 1 or 2. If the first or second card 1 or 2 is an electronic money card, the value of the first or second card 1 or 2 is reduced by the payment amount. On the other hand, if the first or second card 1 or 2 is a cash card, the account balance of the first or second card 1 or 2 is reduced by the payment amount. In addition, a magnetic card can also be used as the 1st card | curd 1 of a cash charge process or a payment process.

  As described above, this apparatus can also perform transaction processing for one card such as cash charge processing and payment processing. In the transaction process for one card, if the presence of the non-contact type second card 2 set in the card pocket 23 is confirmed by communication using the external antenna 12, the transaction is performed for the second card 2. Processing is performed. On the other hand, when the presence of the non-contact type first card 1 taken into the card reader unit 30 is confirmed by communication using the internal antenna 11, transaction processing is performed on the first card 1. In other words, since the transaction is performed even if the card user inserts the card from the card insertion slot 22 or sets it in the card pocket 23, the handling of the card that occurs when only the first card 1 is defined as usable. Mistakes (that is, the card user setting the card in the card pocket) do not occur. In addition, since the antenna switching unit 42 switches between the internal antenna 11 and the external antenna 12, it is possible to communicate with either the first or second card 1 or 2 with one contactless card communication unit 41.

  In the embodiment described above, the value transfer process and the charge process from the account are explained as an example of the transaction process for two cards, and the cash charge process and the payment process are exemplified as an example of the transaction process for one card. Although explained, the transaction processing for two cards and the transaction processing for one card are not limited to the above. In the above embodiment, the antenna switching unit 42 switches between the first antenna 11 and the second antenna 12. However, the antenna switching unit 42 is not provided, and the first and second antennas 11 and 12 are not contacted with each other. The present invention can be implemented even if a card communication unit is provided, the first contactless card communication unit communicates with the first card 1, and the second contactless card communication unit communicates with the second card 2. it can.

  Furthermore, in the said embodiment, although the card | curd was mentioned as an example as a transaction medium, if it is a transaction medium which can apply this invention, media other than a card | curd may be sufficient as a transaction medium. Further, in the above embodiment, the communication procedure between the first or second card 1 and 2 and the control unit 40 (or the non-contact card communication unit 41 and the contact card communication unit 43) has also been briefly described. Is not a direct matter of the present invention, and the present invention can also be implemented using other communication procedures depending on the type and standard of the card.

It is a perspective view which shows the external appearance of a transaction processing apparatus. It is sectional drawing which shows the mechanism which fixes the card | curd in a card pocket. It is a figure which shows the schematic mechanism of a card reader unit. It is a figure which shows the electrical structure of a transaction processing apparatus. It is a flowchart of a main process. It is a flowchart of a value transfer process. It is a flowchart of a value transfer process. It is a flowchart of a value transfer process. It is a flowchart of a value transfer process. It is a flowchart of the charge process from an account. It is a flowchart of a cash charge process. It is a flowchart of a cash charge process.

Explanation of symbols

1 First card (first transaction medium)
2 Second card (second transaction medium)
11 First antenna (internal antenna)
12 Second antenna (external antenna)
22 Card slot 23 Card pocket (storage)
26 Keyboard (instruction means)
29 Card fixing means 33 Roller (conveyance means)
35 Magnetic head 36 Probe unit 36a Probe 40 Control unit 41 Non-contact card communication unit 42 Antenna switching unit

Claims (9)

An insertion slot for inserting a transaction medium;
Conveying means for conveying the transaction medium inserted into the insertion port;
A first antenna used for communication with a non-contact type first transaction medium taken into the apparatus by the conveying means;
A second antenna used by a user for communication with a non-contact type second transaction medium disposed at a predetermined position different from the insertion slot ;
Contactless communication means for communicating with the first transaction medium or the second transaction medium using the first antenna or the second antenna;
Instruction means for instructing transaction processing for the first transaction medium and / or the second transaction medium;
Control means for controlling the conveying means and communicating with the non-contact communication means,
Based on the contents of the indicated transaction processing in the previous SL instructions means, by the contactless communication means intends line communicating with the first transaction medium and / or second transaction medium, the first transaction medium and / or the A transaction processing apparatus for performing the transaction processing on two transaction media ,
When the transaction is performed using the first transaction medium and the second transaction medium, the control means is first based on communication between the second transaction medium placed at the predetermined position by the user and the second antenna. Determining whether the second transaction medium is a conforming medium, and then adapting the first transaction medium based on communication between the first transaction medium and the first antenna taken in by the transport means A transaction processing apparatus for determining whether or not the medium is a medium and performing the transaction processing instructed by the instruction means when both the first transaction medium and the second transaction medium are compatible media . The transaction processing apparatus according to claim 1,
The control means permits the transfer of the first transaction medium by the transport means immediately after the instruction means instructs the transaction process, and allows the non-contact communication means to communicate between the second transaction medium and the second antenna. A transaction processing device characterized by permitting . In the transaction processing apparatus according to claim 1 or 2,
A transaction processing apparatus comprising: a storage unit that stores a second transaction medium; and a fixing unit that fixes the second transaction medium stored in the storage unit. In the transaction processing apparatus according to any one of claims 1 to 3,
When the conveyance means for taking in the first transaction medium is provided with contact access means for contacting the contact type transaction medium, and the first transaction medium taken into the apparatus is a contact type transaction medium The control means communicates with the first transaction medium via the contact access means. First used for communication with an insertion slot for inserting a transaction medium, a conveyance means for conveying the transaction medium inserted into the insertion slot, and a non-contact type first transaction medium taken into the apparatus by the conveyance means. 1 antenna, a second antenna used for communication with a non-contact type second transaction medium disposed at a predetermined position different from the insertion slot by the user , and the first transaction medium and / or the second transaction medium and a instruction means for instructing a transaction processing, a transaction processing method in a transaction processing apparatus for the trading process instruction by said instruction means,
When a transaction is performed using the first transaction medium and the second transaction medium, first, the second transaction is performed based on communication between the second transaction medium placed at the predetermined position by the user and the second antenna. It is determined whether or not the medium is a compatible medium, and then whether or not the first transaction medium is a compatible medium based on communication between the first transaction medium and the first antenna taken in by the transport means. A transaction processing method characterized in that, when both the first transaction medium and the second transaction medium are compatible media, the transaction processing instructed by the instruction means is performed. The transaction processing method according to claim 5 ,
A transaction processing method characterized in that when the process for the first transaction medium and the process for the second transaction medium are performed, the other process is performed based on the process result of one of the two processes. The transaction processing method according to claim 5,
Determining the medium type of the first transaction medium obtained by communication with the first transaction medium and the medium type of the second transaction medium obtained by communication with the second transaction medium ;
When any medium type is a medium type that is a target of each process in the transaction process , when the first transaction medium is inserted from the insertion slot and the second transaction medium is arranged at the predetermined position, and A transaction processing method , wherein transaction processing is permitted in any case when one transaction medium is arranged at the predetermined position and a second transaction medium is inserted from the insertion slot . The transaction processing method according to claim 5 ,
Immediately after the instructing means instructs the transaction processing, the transaction processing method is characterized by permitting the first transaction medium to be taken in by the transport means and allowing communication between the second transaction medium and the second antenna. In the transaction processing method according to any one of claims 5 to 8 ,
When the second transaction medium is an object of the transaction processing instructed by the instruction means, the second transaction medium is fixed at the predetermined position during the predetermined period of the transaction processing. .

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