JP4697610B2 - IC card payment terminal - Google Patents

Description

  The present invention relates to a card payment using an IC (Integrated Circuit) card including a semiconductor memory for storing information in an updatable manner and a card-side antenna for wirelessly transmitting / receiving information to / from the semiconductor memory. The present invention relates to an IC card payment terminal.

  In general, this type of IC card settlement terminal has a card reader / writer that reads and writes information in a contactless manner with respect to the IC card, and a housing that houses the card reader / writer. The card reader / writer includes an antenna for wirelessly transmitting / receiving information to / from the card side antenna. A touch surface that covers the antenna is formed on the top of the housing.

  The procedure for the customer to pay for shopping with an IC credit card is generally as follows. The customer who decides the purchased product or service applies the IC credit card to the touch surface formed on the upper part of the IC card settlement terminal casing, or at least brings it close to a predetermined distance and, if necessary, the IC card settlement terminal When a personal identification number is input using a numeric keypad called a pin pad provided, a card inquiry is made in a payment system of a card company connected via a network based on information stored in a semiconductor memory of an IC credit card. When authentication is performed by the card company, the information stored in the semiconductor memory of the IC credit card is updated. At the same time, a receipt for the settlement is issued by a printer mounted on the IC card settlement terminal or the like as necessary.

  On the other hand, the procedure for a customer to pay for shopping with a magnetic credit card with information recorded on the magnetic recording layer is generally as follows. When a customer who has decided on a purchased product or service reads a magnetic credit card with a magnetic card reader installed in a POS (Point Of Sales) terminal on a payment counter, etc., based on the information stored in the magnetic credit card A card inquiry is made in a payment system of a card company connected via a network. When authentication is performed by the card company, a receipt of the settlement is issued by a printer mounted on the POS terminal. The customer signs the receipt by hand, and the payment procedure ends.

  As a type of card settlement terminal, Patent Document 1 discloses a portable card settlement terminal equipped with a card reading unit that reads information from a credit card. Although not specifically disclosed in Patent Document 1, the card reading unit of this terminal is magnetically applied to the magnetic credit card by sliding the credit card in a slit formed in the casing of the terminal. It is considered that the information recorded in is read magnetically by a magnetic head disposed in the slit.

JP 2001-250165 A

  As described above, at the end of the settlement using a magnetic credit card, in order for the customer to sign the receipt, the receipt of the table must be flat and the space including the room of the customer's hand moving in pen writing can be used. Kind is necessary. Previously, the space was reserved on the front side of the payment counter where customers could easily reach it.

However, in recent years, with the spread of IC cards such as electronic money and IC credit cards, a relatively large number of electronic devices including a POS terminal equipped with a magnetic card reader and an IC card settlement terminal are placed on a payment counter in a store. It has been placed. In particular, the IC card settlement terminal is usually installed on the front side of the payment counter because the customer needs to have an IC credit card applied to the touch surface of the terminal housing. Moreover, since the IC card payment terminal is usually formed horizontally for the reason of easy application of the IC credit card, the bottom area is relatively large and the occupied space is large. For this reason, there is a situation that a sufficient space for a customer to sign a receipt cannot be secured.

  It is to be noted that the sign can be made by forming a trapezoidal portion having an area necessary for the sign of the receipt on the housing of the IC card settlement terminal. However, in this case, the terminal casing must be made larger than before, and eventually the larger IC card payment terminal occupies more space on the payment counter than ever before. This is not a radical solution.

  SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an IC card settlement terminal that can sign a receipt without unnecessarily increasing the occupied space on the payment counter.

  Another object of the present invention is to provide a POS system having such an IC card settlement terminal.

  According to the present invention, an IC card for performing card payment using an IC card including a semiconductor memory for storing information in an updatable manner and a card-side antenna for wirelessly transmitting / receiving information to / from the semiconductor memory. A payment terminal, comprising: a card reader / writer that reads and writes information in a contactless manner with respect to an IC card; and a housing that houses the card reader / writer, the card reader / writer having a card-side antenna; Including an antenna for wirelessly transmitting and receiving information, and an IC card payment terminal in which a touch surface covering the antenna is formed on the upper portion of the housing supports the receipt when filling in a receipt An IC card payment terminal is obtained, further comprising an underlay, wherein the touch surface is configured to support the underlay.

  The touch surface may be provided with a slip stopper for the underlay. In this case, the anti-slip may be a protrusion made of an elastic material and provided so as to protrude from the touch surface. Alternatively, it is made of an elastic material, and is formed on the entire touch surface, and has a cushion layer that absorbs an impact when the IC card comes into contact with the touch surface, and the cushion layer also functions as the anti-slip. You may do it.

  The housing is further provided with a pin pad as a user interface and a scraper that hides the operation of the pin pad from a third party. The scraper cooperates with the touch surface to form the underlay. May be used.

  According to the present invention, a POS system having the IC card settlement terminal can be obtained.

  The IC card settlement terminal according to the present invention can sign a receipt without unnecessarily increasing the occupied space on the payment counter.

  Further, when the slip of the underlay is provided on the touch surface of the IC card, the underlay does not slip and is stabilized.

  Furthermore, when an elastic layer for preventing the IC card from slipping and mitigating the impact is formed on the touch surface of the IC card, the elastic layer can also serve as an antiskid for the underlay.

  Hereinafter, an embodiment of an IC card settlement terminal according to the present invention will be described with reference to the drawings.

  An IC card payment terminal according to the present invention is a device that is installed in a payment counter or the like of a store and performs card payment using an IC card. Although not shown, the IC card incorporates a semiconductor memory that stores information in an updatable manner and a card-side antenna for wirelessly transmitting and receiving information to and from the semiconductor memory.

  Referring to FIG. 1A, the IC card settlement terminal includes a card reader / writer (not shown) that reads / writes information from / to an IC card in a contactless manner, and a housing 10 that houses the card reader / writer. have. The card reader / writer includes an antenna for wirelessly transmitting / receiving information to / from the card side antenna. On the other hand, a touch surface 11 that covers the antenna is formed on the top of the housing 10.

  Further, the housing 10 is provided with a display 30 for displaying various information such as operation guidance and card balance to the customer, and a pin pad 40 for the customer to input a personal identification number and the like as a user interface. ing.

  The IC card payment terminal further includes a card reader / writer (not shown) for reading / writing information from / to the contact type IC credit card on which a semiconductor memory and a planar terminal for inputting / outputting information to / from the semiconductor memory are mounted. Also have. This contact type card reader / writer includes a terminal for inputting / outputting information by contacting a flat terminal of the contact type IC card. This terminal is provided inside a contact-type card slot 12 formed between the touch surface 11 of the housing 10 and the display 30. Contact-type IC credit cards are often used for relatively expensive payments.

  Referring to FIGS. 1 (a) and 1 (b), FIG. 2, and FIG. 3, the IC card payment terminal is issued by a printer mounted on a POS terminal (not shown) or the like installed on the same payment counter. It further has an underlay 20 that supports the receipt 100 when the customer signs the receipt 100 of the magnetic credit card settlement. The touch surface 11 is configured to support the underlay 20.

  The touch surface 11 is preferably provided with anti-slip of the underlay 20. This anti-slip is made of a material having elasticity, such as synthetic rubber, and is a projection 61 provided so as to protrude from the vicinity of the four corners of the touch surface 11.

  Alternatively, it is possible to use a slip stopper different from the protrusion 61. In general, in a non-contact type IC card payment terminal, a cushion layer that is made of a material having elasticity such as synthetic rubber on the entire touch surface of the housing and absorbs an impact when the IC card contacts the touch surface. May be provided. In that case, the cushion layer may be used as a slip stopper for the underlay.

  Alternatively, the underlay may be prevented from slipping by providing a concave-convex engagement relationship between the housing and the underlay. In this embodiment, the base 20 is separate from the case 10 of the IC card payment terminal, but the base is movably attached to the case via a hinge so as to be supported by the touch surface only when in use. It may be done. In this case, the hinge functions as a slip stopper.

  In addition, the housing 10 is provided with a pair of left and right edges 51 and a center edge 52 for concealing the operation of the pin pad 40 from a third party so that the customer's personal identification number cannot be stolen. ing. In particular, the upper edge 51e of the pair of knuckles 51 is at the same height as the touch surface 11 (protrusion 61) as is apparent from FIG. For this reason, the pair of knuckles 51 supports the underlay 20 in cooperation with the touch surface 11 (protrusion 61). Therefore, even if the underlay 20 is relatively long and wide as shown in FIG. 1 (b), it is stably supported horizontally.

  Next, the operation of the IC card settlement terminal will be described by taking as an example the case where the customer pays for shopping with an IC credit card and the case where the customer pays with a magnetic credit card.

  When an IC credit card is used, a customer who decides to purchase a product or service assigns an owned IC credit card to the touch surface 11 formed on the housing 10 of the IC card payment terminal or at least approaches a predetermined distance. Let At the same time, if necessary, the customer inputs the password using the pin pad 40 in accordance with the guidance displayed on the display 30 provided in the IC card payment terminal.

  Information stored in the semiconductor memory of the IC credit card is transmitted to the payment system of the card company via the network.

  In the payment system of the card company, card inquiry is performed based on the card information.

  When authentication is performed by the card company, the information stored in the semiconductor memory of the IC credit card is updated, and the payment procedure ends. Further, if necessary, a receipt of the settlement is issued by a printer installed in a card settlement terminal or a POS terminal.

  In the case of settlement with an IC credit card, it is usually unnecessary to sign a receipt. For this reason, the underlay 20 is placed in the vicinity of the IC card payment terminal.

  On the other hand, when a magnetic credit card is used, a customer who has decided on a purchased product or service causes a magnetic card reader mounted on a POS terminal (not shown) to read the magnetic credit card he possesses. Information magnetically recorded on the magnetic credit card is transmitted to the payment system of the card company via the network. In the payment system of the card company, card inquiry is performed based on the card information. When the card company authenticates, the payment receipt 100 is issued by a printer mounted on the POS terminal or the like.

  The customer or the store clerk puts the receipt 100 on the clip portion of the underlay 20 placed in the vicinity of the IC card payment terminal or the like, and puts the receipt 100 on the touch surface 11 (protrusion 61) of the IC card payment terminal and the kashiashi 51 (upper Place over edge 51e). Then, the receipt 100 on the underlay 20 is signed by handwriting, the receipt 100 is collected, and the payment procedure is completed.

  Thereafter, the customer or the store clerk returns the underlay 20 to the vicinity of the IC card payment terminal.

  In this embodiment, an IC credit card is taken as an example, but this IC card settlement terminal can read and write settlement information with respect to all electronic devices with a credit function such as a mobile phone.

  The IC card settlement terminal may be used as one terminal of the POS system. In this case, card payment information made using an IC card payment terminal is taken into the POS system and used.

  The present invention is not limited to the embodiments described above, and it goes without saying that various modifications are possible within the technical scope described in the claims. For example, the present invention is not limited to the wireless type, and can be applied to all IC card payment terminals having a housing with a non-contact type reader / writer and a touch surface such as an optical type.

It is a perspective view which shows the IC card payment terminal by embodiment of this invention, (a) shows a housing | casing and (b) shows an underlay. It is a perspective view which shows the state by which the base was mounted in the housing | casing of the IC card payment terminal shown by FIG. FIG. 2 is a side view of the IC card payment terminal shown in FIG. 1.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Housing | casing 11 Touch surface 12 Contact-type card slot 20 Underlay 30 Display 40 Pin pad 51, 52 Kazuashi 51e Upper edge 61 Protrusion 100 Receipt

Claims (5)

An IC card payment terminal for performing card payment using an IC card including a semiconductor memory for storing information in an updatable manner and a card-side antenna for wirelessly transmitting and receiving information to and from the semiconductor memory,
A card reader / writer that reads / writes information from / to an IC card in a contactless manner; and a housing that houses the card reader / writer,
The card reader / writer includes an antenna for wirelessly transmitting / receiving information to / from a card-side antenna,
A touch surface that covers the antenna is formed on an upper portion of the housing , and a pin pad serving as a user interface is positioned in front of the housing in the depth direction and below the height direction of the housing with respect to the touch surface. In the IC card payment terminal provided with
The casing is provided with a pair of ridges that conceal operation of the pin pad from a third party on both sides of the pin pad, and each pair of ridges is at the same height as the highest portion of the touch surface. With an edge,
An underlay for supporting a receipt when filling in a receipt is further provided separately from the housing, and the underlay is formed between the highest portion of the touch surface of the housing and the upper edge of the pair of scrapers. Has a longitudinal dimension greater than the separation distance,
The uppermost portion of the touch surface and the upper edge portion of the pair of scrapers cooperate to place the longitudinal direction along the depth direction of the housing only when filling in a receipt. An IC card payment terminal characterized by supporting an underlay. Said touch surface, said underlayment is decorated with slip for lower insole when placed, IC card settlement according to claim 1 the upper end of該滑Ri stop is the highest portion of said touch surface thereon Terminal. 3. The IC card settlement terminal according to claim 2, wherein the slip stopper for the underlay is a protrusion made of an elastic material and protruding from the touch surface. An IC card cushion layer that is formed on the entire touch surface and absorbs an impact when the IC card comes into contact with the touch surface. The surface of the cushion layer for the IC card Is the highest part of the touch surface,
The IC card settlement terminal according to claim 2, wherein the cushion layer for the IC card also functions as a slip stopper for the underlay . A POS system comprising the IC card settlement terminal according to any one of claims 1 to 4 .

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