JP7365125B2 - Card processing device, toll machine, card processing method, and program - Google Patents

Description

The present invention relates to a card processing device, a toll machine, a card processing method, and a program.

Toll roads are equipped with machines such as automatic toll collection machines that automatically collect tolls upon user operation, and toll collection machines that accept toll collection personnel and collect tolls (hereinafter referred to as "toll collection machines"). These are collectively referred to as ``toll machines''). The toll machine is equipped with a card processing device for reading various information from a credit card in order to accept payment by credit card from a user.

Further, the card processing device may have a plurality of card processing sections so that it can process a plurality of types of card media. For example, Patent Document 1 describes a magnetic card processing unit that processes a magnetic card in which a pre-deposited amount (balance) is recorded on a magnetic stripe, and an IC (Integrated Circuit) chip in which the pre-deposited amount is recorded. A card processing device is described that includes a wireless card processing unit that processes a wireless card by wireless communication, and a credit card processing unit that processes a credit card in which account information for credit payment is recorded on a magnetic stripe or an IC chip. There is.

When this card processing device determines that the inserted card medium is a magnetic card based on the external dimensions and thickness, it transports the card medium to the magnetic card processing section. In addition, for wireless cards and credit cards that cannot be distinguished based on external dimensions and thickness, this card processing device transports the card medium to the wireless card processing section if the wireless R/W section succeeds in reading it via wireless communication. However, if this fails, the card medium is transported to a credit card processing section.

Japanese Patent Application Publication No. 2002-304643

In recent years, as a measure against unauthorized use of credit cards, there has been a demand for support for EMV-IC cards, which are credit cards compliant with EMV (Europay, MasterCard, VISA protocol) specifications. EMV-IC cards are a type of IC card equipped with an IC chip, but IC cards other than EMV-IC cards used in conventional toll machines (for example, electronic toll collection systems (ETC)) Collection System (registered trademark) (also referred to as an "automatic toll collection system") uses a different ETC-IC card in the processing executed in the payment process.

The EMV-IC card and the ETC-IC card, which is an IC card other than the EMV-IC card, have substantially the same external dimensions and thickness, and may not have a wireless communication function. Therefore, with the above-described mechanism of the card processing device, it is not possible to distinguish between an EMV-IC card and an ETC-IC card. For this reason, it is conceivable to install a card processing device for processing EMV-IC cards and a card processing device for processing ETC-IC cards side by side, for example.

However, when a plurality of card processing devices are installed in a fare machine in this way, there is a possibility that a user may accidentally insert an ETC-IC card into a card processing device for EMV-IC cards, for example. Then, after the payment process in the EMV-IC card processing device fails, the user reinserts the returned ETC-IC card into the ETC-IC card processing device and completes the payment process again. have to wait until As a result, the service time required to collect usage fees increases significantly.

The present invention has been made in view of such problems, and provides a card processing device, a charge machine, a card processing method, and a card processing device capable of processing payments according to the type of card medium inserted through a single insertion slot. Provide programs.

In order to solve the above problems, the present invention employs the following means.
According to a first aspect of the present invention, the card processing includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of payment application formats is recorded on the IC chip. The devices (1A, 1B) are arranged at one insertion slot (10) into which the card medium is inserted and on the downstream side of the insertion slot in the insertion direction of the card medium, and are configured to read information stored on the magnetic stripe. a magnetic reading section (13) for reading, and a first card reader unit (16) arranged downstream of the magnetic reading section in the insertion direction of the card medium and capable of reading the IC chip based on a first payment application. a second card reader unit (17) disposed downstream of the first card reader unit in the insertion direction of the card medium and capable of reading the IC chip based on a second payment application; and the magnetic stripe. and a control section (19) that determines which of the first card reader unit and the second card reader unit the card medium is to be transported to, according to information read from the card reader unit.
By doing this, the card processing device can transport the card medium to the appropriate card reader unit according to the type based on the information read from the magnetic stripe of the card medium inserted into one insertion slot. can. As a result, the card processing device does not require the user to select the insertion slot into which the card should be inserted according to the type of card medium, so that the card reader unit may fail in processing if a card medium that cannot be processed is inserted by mistake. It is possible to reduce the frequency of re-insertion of the card medium by the user. Further, since there is only one insertion slot, the time required for the user to search for a place to insert the card medium can be reduced. As a result, the card processing device can suppress an increase in service time required for payment processing.

According to the second aspect of the present invention, in the card processing device (1A, 1B) according to the first aspect, the first conveyance path (15a) conveys the card medium to the first card reader unit (16). and a second transport path (15b) that transports the card medium to the second card reader unit (17) are arranged horizontally.
By doing so, the card processing device can form the transport path between the first card reader unit and the second card reader unit in a straight line in the horizontal direction, so that gravity is not applied to the card medium to be transported. In addition, it is possible to suppress the effects such as the card medium colliding with the next conveyance path during conveyance and becoming jammed (jamming occurs). As a result, the card processing device can smoothly transport the card medium with only simple control.

According to a third aspect of the present invention, in the card processing device (1A, 1B) according to the first or second aspect, the control unit (19) controls the magnetic stripe based on the information read from the magnetic stripe. It has a type determination unit (191) that determines the type of the card medium, and when it is determined that the card medium is of a type to be read by the first card reader unit (16), the card medium is transferred to the first card reader unit (16). If it is determined that the card medium is not of a type to be read by the first card reader unit, the card medium is caused to pass through the first card reader unit.
By doing so, the card processing device can transport the card medium to an appropriate card reader unit by simply controlling the card medium to stop or pass depending on the type.

According to the fourth aspect of the present invention, the card processing device (1B) according to any one of the first to third aspects is arranged downstream of the second card reader unit (17), and The present invention further includes a third card reader unit (18) that allows the IC chip to be read based on a payment application.
By doing so, the card processing device can process a card medium that cannot be processed by the first card reader unit or the second card reader unit by using the third card reader unit.

According to the fifth aspect of the present invention, the toll machine (100) includes the card processing device (1A, 1B) according to any one of the first to fourth aspects.

According to the sixth aspect of the present invention, the card processing includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of types of payment application formats is recorded on the IC chip. The method includes a magnetic reading step of reading information stored on the magnetic stripe of the card medium inserted through one insertion slot, and a first card reading step of making the IC chip readable based on a first payment application. a second card reading step of making the IC chip readable based on a second payment application; a first card reading step and a second card reading step according to information read from the magnetic stripe. a control step of determining which of the above is used to read the IC chip.

According to the seventh aspect of the present invention, the card processing includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of payment application formats is recorded on the IC chip. The program that causes the computer (900) of the device (1A, 1B) to function is based on a magnetic reading step of reading information stored in the magnetic stripe of the card medium inserted through one insertion slot, and a first payment application. a first card reading step of making the IC chip readable based on a second payment application; and a second card reading step of making the IC chip readable based on the information read from the magnetic stripe. A control step of determining which of the first card reading step and the second card reading step is used to read the IC chip is executed.

According to the card processing device, toll machine, card processing method, and program according to the present invention, it is possible to perform payment processing according to the type of card medium inserted through a single insertion slot.

FIG. 1 is a diagram showing an overview of a toll machine according to a first embodiment. FIG. 1 is a sectional view of a card processing device according to a first embodiment. FIG. 3 is a diagram showing a functional configuration of a control unit of the card processing device according to the first embodiment. It is a flowchart which shows an example of processing of the card processing device concerning a 1st embodiment. It is a sectional view of the card processing device concerning a 2nd embodiment. It is a flow chart which shows an example of processing of a card processing device concerning a 2nd embodiment. FIG. 1 is a diagram illustrating an example of a hardware configuration of a card processing device according to at least one embodiment.

<First embodiment>
A toll machine and card processing device according to a first embodiment of the present invention will be described below with reference to FIGS. 1 to 4.

(Overall configuration of toll machine)
FIG. 1 is a diagram showing an overview of a toll machine according to a first embodiment.
As shown in FIG. 1, the toll machine according to this embodiment is, for example, an automatic toll collection machine 100 installed at a toll gate of a toll road. The automatic toll collection machine 100 is installed on an island I installed on the roadside of lane L of the toll plaza, and automatically collects usage tolls by accepting operations from toll road users, that is, the driver or passenger of vehicle A. This is a device for collecting and receiving.

As shown in FIG. 1, the automatic toll collection machine 100 includes a card processing device 1A and a CPU 2. Furthermore, an operation panel 102 is provided on the front surface 101 of the casing of the automatic toll collection machine 100 facing the lane L (+Y side in FIG. 1) to receive operations from the user. The user performs various operations related to payment of usage fees via the operation panel 102.

The card processing device 1A is a device for reading card media. The card processing device 1A has an insertion slot 10 that opens to the operation panel 102, accepts insertion of a card medium from a user, and returns (discharges) the card medium to the user.

The CPU 2 is a processor that controls the entire operation of the automatic toll collection machine 100. Note that in this embodiment, the CPU 2 functions as a host device of the card processing device 1A. When the user inserts a card medium into the insertion slot 10, the CPU 2 controls the card processing device 1A to execute various processes related to payment processing based on the card medium.

(Functional configuration of card processing device)
Here, a card medium to be processed by the card processing device 1A according to the present embodiment will be described. In this embodiment, the card medium is an "EMV-IC card" which is a card medium equipped with an IC chip, and an "IC card other than an EMV-IC card" which is a card medium equipped with an IC chip (for example, an ETC-IC card). It is assumed that there are three types of cards: ``front magnetic stripe card'' which is a card medium that does not have an IC chip mounted thereon.

A card medium equipped with an IC chip has a magnetic stripe on the back surface of the card medium. In the EMV-IC card, the second track is defined by the JIS standard ID-1 (formerly JIS-I). Further, a front magnetic stripe card has a magnetic stripe on the front surface. The front magnetic stripe card is defined by the old JIS-II standard.

The magnetic stripe included in a card medium on which an IC chip is mounted is standardized by ISO (International Organization for Standardization), JIS (Japanese Industrial Standards), and the like. Specifically, there are magnetic stripes that include two tracks, a first track and a second track, and those that include three tracks, a first track, a second track, and a third track.

The first track standard is a standard developed by the International Air Transport Association (IATA). Track 2 standards were developed by the American banking industry group (American Bankers Association, ABA). Track 3 standards are standards developed by the American pension industry. Further, the third track standard is the European Euro standard. The first track records information such as names. The second track records information such as a card number indicating that it is a credit card (that is, a unique arrangement pattern of numbers indicating that it is a credit card). The third track is primarily information related to the US pension industry or Eurocard information. In other words, if the card medium is a credit card, the second track of the magnetic stripe contains the card number indicating that it is a credit card (i.e., a unique arrangement of numbers indicating that it is likely to be an EMV-IC card). pattern) is included.

FIG. 2 is a sectional view of the card processing device according to the first embodiment.
As shown in FIG. 2, the card processing device 1A includes an insertion slot 10, a card detection section 11, an entrance conveyance path 12, a magnetic reading section 13, a first card reader unit 16, and a second card reader unit 17. and a control section 19.

Only one insertion port 10 is provided so as to open at the front surface 101 of the casing of the automatic toll collection machine 100. If the user wishes to pay the usage fee by credit card, the user inserts the card medium C into the insertion slot 10. Further, when the processing by the card processing device 1A is completed, the card medium C is ejected from the insertion slot 10 to the outside of the casing of the automatic toll collection machine 100 and returned to the user.

The card detection section 11 is arranged on the downstream side (-Y side) of the insertion slot 10, and detects that the card medium C is inserted into the inside of the card processing device 1A.

The entrance conveyance path 12 is arranged on the downstream side (-Y side) of the insertion opening 10, and conveys the inserted card medium C to a predetermined position. For example, as shown in FIG. 2, the entrance conveyance path 12 is composed of a roller driven by a motor and a belt, and by rotating the roller with the motor and moving the belt, cards placed on the upper surface of the belt can be transported. The medium C is conveyed toward the downstream side (-Y side) or upstream side (+Y side).

The magnetic reading section 13 is disposed on the downstream side (-Y side) of the insertion slot 10 and reads information recorded on the magnetic stripe of the card medium C conveyed through the entrance conveyance path 12. The magnetic reading section 13 according to the present embodiment includes a magnetic reading section 13a arranged on the front side (+Z side) of the card medium C, and a magnetic reading section 13a arranged on the back side (-Z side) of the card medium C. It is composed of a reading section 13b.

The magnetic reading section 13a reads information recorded on the magnetic stripe of the card medium C, which is a front magnetic stripe card. The magnetic reading unit 13b reads information recorded on the magnetic stripe of a card medium C equipped with an IC chip, that is, an EMV-IC card and an IC card other than the EMV-IC card. The magnetic reading sections 13a and 13b output information read from the magnetic stripe to the control section 19. Hereinafter, the information read by the magnetic reading sections 13a and 13b will be referred to as "magnetic reading information."

The first conveyance path 15a is arranged on the downstream side (-Y side) of the magnetic reading section 13, and has the same configuration as the entrance conveyance path 12, so that the entrance conveyance path 12 and a predetermined position inside the first card reader unit 16 are connected to each other. The card medium C is conveyed between the two. As shown in FIG. 2, the first conveyance path 15a is arranged so as to match the insertion port 10 and the entrance conveyance path 12 in the height direction (±Z direction).

As shown in FIG. 2, the second conveyance path 15b is arranged on the downstream side (-Y side) of the first conveyance path 15a, and has the same configuration as the entrance conveyance path 12 and the first conveyance path 15a. The card medium C is transported between the reader unit 16 and a predetermined position inside the second card reader unit 17. Moreover, the second conveyance path 15b is arranged at the same height as the first conveyance path 15a. Therefore, the entrance conveyance path 12, the first conveyance path 15a, and the second conveyance path 15b are linearly arranged in the horizontal direction (±Y direction). Therefore, the card processing device 1A can form the transport path from the entrance transport path 12 to the second card reader unit 17 in a straight line in the horizontal direction, so that the card medium C being transported is not affected by gravity. In addition, it is possible to suppress effects such as the card medium C being jammed (jammed) due to collision with the next conveyance path during conveyance.

The first card reader unit 16 is arranged on the downstream side (-Y side) of the magnetic reading section 13. The first card reader unit 16 has an IC contact 161 that can contact an IC chip mounted on the card medium C. The first card reader unit 16 can read the IC chip mounted on the card medium C via the IC contact 161 based on the first payment application. The IC contact 161 is located at a first position P1 (indicated by the solid line in FIG. 2) on the vertically upper side (+Z side) and a second position P2 (indicated by the broken line in FIG. 2) on the vertically lower side (-Z side). It is configured to be movable between the position shown in When reading information from the IC chip of the card medium C, the first card reader unit 16 moves the IC contact 161 to a second position P2 where it can make contact with the IC chip. Further, when not reading information from the IC chip of the card medium C, the first card reader unit 16 connects the IC contact 161 so that the card medium C can pass through the lower side (-Z side) of the IC contact 161. is moved to the first position P1. Note that in this embodiment, the initial position of the IC contact 161 is set to the first position P1.

Note that the first card reader unit 16 according to the present embodiment is a card reader unit that can read, for example, an EMV-IC card. Further, the first payment application is one of multiple types of application formats recorded in advance on the IC chip, and in this embodiment includes various programs for performing payment processing based on the EMV-IC card. ing.

The second card reader unit 17 is arranged downstream (-Y side) of the first card reader unit 16. The second card reader unit 17 has an IC contact 171 that can contact an IC chip mounted on the card medium C. The IC contact 171 of the second card reader unit 17 has the same functional configuration as the IC contact 161 of the first card reader unit.

Note that the second card reader unit 17 according to the present embodiment is a card reader unit that can read IC cards other than EMV-IC cards, for example. Further, the second payment application is one of multiple types of application formats recorded in advance on the IC chip, and in this embodiment, the second payment application is based on an IC card other than the EMV-IC card (for example, an ETC-IC card). Contains various programs for processing payments. Hereinafter, the information read by the first card reader unit 16 or the second card reader unit 17 will be referred to as "IC chip read information."

The control unit 19 determines which of the first card reader unit 16 and the second card reader unit 17 the card medium C should be transported to, according to the information read from the magnetic stripe by the magnetic reading unit 13, and Payment processing based on the card medium C is performed according to instructions from the CPU 2 of the automatic toll collection machine 100.

FIG. 3 is a diagram showing the functional configuration of the control section of the card processing device according to the first embodiment.
As shown in FIG. 3, the control unit 19 is connected to the CPU 2 of the automatic toll collection machine 100 via a communication line LN. Further, the control section 19 includes a magnetic stripe processing section 190, a type determination section 191, a transport control section 192, an IC chip processing section 193, a communication section 194, and a storage section 195.

The magnetic stripe processing section 190 acquires the magnetic reading information read by the magnetic reading section 13 and stores it in the storage section 195. Furthermore, if the IC card-based payment process is not possible, the magnetic stripe processing unit 190 outputs the acquired magnetic reading information to the CPU 2 of the automatic toll collection machine 100.

The type determining unit 191 determines the type of the inserted card medium C based on the magnetic reading information acquired by the magnetic stripe processing unit 190. As mentioned above, when the card medium C is an EMV-IC card, the second track of the magnetic stripe contains a card number indicating that it is a credit card (that is, indicating that it is likely to be an EMV-IC card). contains a unique number arrangement pattern). Therefore, if the magnetic reading information read by the magnetic reading section 13b includes an arrangement of numbers that matches a predetermined arrangement pattern, the type determination section 191 determines that the card medium C to be read is an EMV-IC card. judge. On the other hand, if the magnetic reading information read by the magnetic reading section 13b does not include an arrangement of numbers that matches the predetermined arrangement pattern, the type determination section 191 determines that the card medium C to be read is an IC other than an EMV-IC card. It is determined that it is a card. The type determination unit 191 outputs this determination result to the CPU 2 of the automatic toll collection machine 100.

The conveyance control unit 192 moves the card medium C to the downstream side (−Y side in FIG. 2) or upstream side (+Y side in FIG. 2) with respect to the entrance conveyance path 12, the first conveyance path 15a, and the second conveyance path 15b. control so that it is transported. For example, when the card detection unit 11 detects insertion of the card medium C, the transport control unit 192 instructs the entrance transport path 12 to transport the card medium C to a predetermined position. Further, the conveyance control unit 192 controls the first card reader unit 100 to convey the card medium C to the first card reader unit 16 or to the second card reader unit 17 according to the type of the card medium C determined by the type determining unit 191. The first transport path 15a and the second transport path 15b are instructed. Note that, when returning the card medium C, the conveyance control section 192 instructs each section to convey the card medium C to the upstream side (+Y side in FIG. 2) and eject it from the insertion slot 10.

The IC chip processing section 193 controls the processing performed by the first card reader unit 16 and the second card reader unit 17 based on the command output from the CPU 2 of the automatic toll collection machine 100 according to the type of card medium. For example, the IC chip processing unit 193 causes the first card reader unit 16 and the second card reader unit 17 to read the IC chip, and acquires IC chip reading information. Further, the IC chip processing unit 193 outputs the acquired IC chip reading information to the CPU 2 of the automatic toll collection machine 100.

The communication unit 194 transmits and receives various information and commands to and from the CPU 2 of the automatic toll collection machine 100 via the communication line LN.

The storage unit 195 stores information generated and acquired in various processes in the control unit 19 (for example, magnetic reading information read by the magnetic reading unit 13, etc.). Further, the storage unit 195 may store in advance reference data indicating a unique number arrangement pattern indicating that the card is highly likely to be an EMV-IC card.

(Processing by card processing device)
FIG. 4 is a flowchart showing an example of processing of the card processing device according to the first embodiment.
Hereinafter, the flow of processing of the card processing device 1A will be explained with reference to FIG.

As shown in FIG. 4, first, the card detection unit 11 of the card processing device 1A detects that the user has inserted the card medium C from the insertion slot 10 (step S100). Then, the entrance conveyance path 12 conveys the card medium C toward the distribution mechanism 14 on the downstream side (-Y side in FIG. 2).

Next, the magnetic reading unit 13 reads information recorded on the magnetic stripe of the card medium C while the card medium C is conveyed to the sorting mechanism 14 (step S101). Note that when the card medium C is a card medium equipped with an IC chip, the magnetic reading section 13b reads information recorded on the magnetic stripe on the back surface of the card medium C. Further, when the card medium C is a card with a magnetic stripe on the front surface, the magnetic reading section 13a reads information recorded on the magnetic stripe on the front surface of the card medium C. The magnetic reading section 13 outputs the read magnetic reading information to the control section 19 .

Next, the type determination unit 191 of the control unit 19 determines the type of the inserted card medium C before reading the information in the IC chip mounted on the inserted card medium C. Specifically, the type determination unit 191 determines whether or not the card medium C is an EMV-IC card based on the magnetic reading information output from the magnetic reading unit 13 (step S102).

For example, the type determination unit 191 determines whether the magnetic read information (information recorded on the second track of the magnetic stripe) read by the magnetic reading unit 13 includes an arrangement of numbers that matches a predetermined arrangement pattern of the EMV-IC card. If so, it is determined that the card medium C is an EMV-IC card (step S102: YES). At this time, the type determination unit 191 outputs a determination result indicating that the inserted card medium C is determined to be an EMV-IC card to the CPU 2 of the automatic toll collection machine 100.

Further, when it is determined that the card medium C is an EMV-IC card (step S102: YES), the transport control unit 192 of the control unit 19 transfers the card medium C to the first card reader with respect to the first transport path 15a. The unit 16 is instructed to be transported to a predetermined position inside the unit 16 (step S103).

When the first conveyance path 15a conveys the card medium C to a predetermined position inside the first card reader unit 16, the IC chip processing section 193 of the control section 19 executes the EMV- Payment processing based on the first payment application for IC cards is executed (step S104). For example, the IC chip processing unit 193 selects a first payment application from the IC chip mounted on the card medium C to the first card reader unit 16, and based on this first payment application, the IC chip processing unit 193 selects a first payment application from the IC chip mounted on the card medium C. instructions to read various information necessary for payment processing from the IC chip. Then, the first card reader unit 16 moves the IC contact 161 to the second position (FIG. 2) to contact the IC chip, and reads the specified information from the IC chip via the IC contact 161. Further, the IC chip processing section 193 outputs the IC chip reading information read by the first card reader unit 16 to the CPU 2 of the automatic toll collection machine 100 via the communication section 194.

Next, the IC chip processing unit 193 determines whether the payment processing based on the first payment application was successful (step S105). For example, when various information necessary for payment processing is correctly read from the first card reader unit 16 and the payment processing is completed in the CPU 2 of the automatic toll collection machine 100, the card medium C is sent from the CPU 2 to the control unit 19 of the card processing device 1A. A command to discharge is output. When the conveyance control unit 192 and the IC chip processing unit 193 of the control unit 19 receive this command to eject the card medium C, they determine that the payment process based on the first payment application has been completed (step S105: YES).

At this time, the IC chip processing section 193 notifies the first card reader unit 16 that the card processing has ended. Then, the first card reader unit 16 moves the IC contact 161 from the second position P2 to the first position P1 to make it out of contact with the IC chip, and makes the card medium C movable.

Further, the transport control unit 192 discharges the card medium C (step S106). Specifically, the transport control unit 192 controls the first transport path 15a and the entrance transport path 12 to transport the card medium C to the upstream side (+Y side in FIG. 2). The entrance conveyance path 12 discharges the card medium C from the insertion slot 10.

On the other hand, if various information necessary for payment processing is not read correctly from the first card reader unit 16 and the payment processing fails in the CPU 2 of the automatic toll collection machine 100, the EMV-IC A command to perform payment processing based on an IC card other than a credit card is output. Upon receiving this command, the IC chip processing unit 193 of the control unit 19 determines that the payment process based on the first payment application has failed (step S105: NO). At this time, the IC chip processing section 193 notifies the first card reader unit 16 that the card processing has ended. Upon receiving this notification, the first card reader unit 16 moves the IC contact 161 to the first position P1. After that, the control unit 19 proceeds to step S107.

Further, returning to step S102, the type determining unit 191 determines that the magnetic read information (information recorded on the second track of the magnetic stripe) read by the magnetic reading unit 13 matches the predetermined arrangement pattern of the EMV-IC card. If the card medium C does not include an array of numbers, it is determined that the card medium C is an IC card other than an EMV-IC card (step S102: NO). At this time, the type determining unit 191 outputs a determination result indicating that the inserted card medium C is an IC card other than an EMV-IC card to the CPU 2 of the automatic toll collection machine 100.

When it is determined that the card medium C is an IC card other than an EMV-IC card (step S102: NO), or when it is determined that the payment process based on the first payment application (EMV-IC card) has failed. (Step S105: NO), the transport control unit 192 of the control unit 19 instructs the first transport path 15a and the second transport path 15b to transport the card medium C to a predetermined position inside the second card reader unit 17. (Step S107). At this time, the IC contact 161 of the first card reader unit 16 is located at the first position P1 (FIG. 2), which is the initial position. Therefore, the card medium C passes through the first card reader unit 16 without contacting the IC contact 161 of the first card reader unit 16 while being transported by the first transport path 15a and the second transport path 15b. be able to.

When the second conveyance path 15b conveys the card medium C to a predetermined position inside the second card reader unit 17, the IC chip processing section 193 of the control section 19 executes the EMV- Payment processing based on a second payment application for IC cards other than IC cards is executed (step S108). For example, the IC chip processing unit 193 selects a second payment application from the IC chip mounted on the card medium C to the second card reader unit 17, and based on this second payment application, the IC chip processing unit 193 selects the second payment application from the IC chip mounted on the card medium C. instructions to read various information necessary for payment processing from the IC chip. Then, the second card reader unit 17 moves the IC contact 171 to the second position (FIG. 2), brings it into contact with the IC chip, and reads the specified information from the IC chip via this IC contact 171. Further, the IC chip processing section 193 outputs the IC chip reading information read by the second card reader unit 17 to the CPU 2 of the automatic toll collection machine 100 via the communication section 194.

Next, the IC chip processing unit 193 determines whether the payment processing based on the second payment application was successful (step S109). For example, when various information necessary for payment processing is correctly read from the second card reader unit 17 and the payment processing is completed in the CPU 2 of the automatic toll collection machine 100, the card medium C is sent from the CPU 2 to the control unit 19 of the card processing device 1A. A command to discharge is output. When the conveyance control unit 192 and the IC chip processing unit 193 of the control unit 19 receive this command to eject the card medium C, they determine that the payment process based on the second payment application has been completed (step S109: YES).

At this time, the IC chip processing section 193 notifies the second card reader unit 17 that the card processing has ended. Then, the second card reader unit 17 moves the IC contact 171 from the second position P2 to the first position P1 to make it out of contact with the IC chip, and makes the card medium C movable. Further, the transport control unit 192 discharges the card medium C (step S106).

On the other hand, if various information necessary for payment processing is not read correctly from the second card reader unit 17 and the payment processing fails in the CPU 2 of the automatic toll collection machine 100, the CPU 2 sends information to the control unit 19 of the card processing device 1A. A command to perform payment processing based on a magnetic stripe card is output. Upon receiving this command, the IC chip processing unit 193 of the control unit 19 determines that the payment processing based on the second payment application has failed (step S109: NO), and notifies the second card reader unit 17 that the card processing has ended. do. Upon receiving this notification, the second card reader unit 17 moves the IC contact 171 to the first position P1. Further, the magnetic stripe processing unit 190 of the control unit 19 executes various processes related to payment processing based on the front magnetic stripe card according to instructions from the CPU 2 of the automatic toll collection machine 100 (step S110). For example, the magnetic stripe processing unit 190 reads the magnetic read information read in step S11 from the storage unit 195 and outputs it to the CPU 2 of the automatic toll collection machine 100 via the communication unit 194.

When the payment process based on the front magnetic stripe card is completed, the conveyance control unit 192 returns the card medium C to the user (step S106).

(effect)
As described above, the card processing device 1A according to the present embodiment has one insertion slot 10 into which a card medium C is inserted, and is arranged on the downstream side of the insertion slot 10 in the insertion direction of the card medium C, and has a magnetic stripe. A magnetic reading unit 13 that reads stored information; and a first card reader unit 16 that is disposed downstream of the magnetic reading unit 13 in the insertion direction of the card medium C and that is capable of reading an IC chip based on a first payment application. A second card reader unit 17 is arranged downstream of the first card reader unit 16 in the insertion direction of the card medium C and is capable of reading the IC chip based on the second payment application. The controller 19 includes a controller 19 that determines which of the first card reader unit and the second card reader unit the card medium C is to be transported to, depending on the information.
By doing so, the card processing device 1A transfers the card medium C to an appropriate card reader unit according to the type based on the information read from the magnetic stripe of the card medium C inserted into one insertion slot 10. Can be transported. As a result, the card processing device 1A eliminates the need for the user to select the insertion slot into which the card medium C should be inserted, depending on the card medium type, so that the card reader unit in which the card medium C that cannot be processed is mistakenly inserted is The frequency of processing failures and the frequency of the user reinserting the card medium C can be reduced. Further, since there is only one insertion slot 10, the time required for the user to search for a place to insert the card medium C can be reduced. As a result, the card processing device 1A can suppress an increase in the service time required for payment processing.

Further, the first conveyance path 15a that conveys the card medium C to the first card reader unit 16 and the second conveyance path 15b that conveys the card medium C to the second card reader unit 17 are arranged horizontally.
By doing so, the card processing device 1A can form the transport path between the first card reader unit 16 and the second card reader unit 17 in a straight line in the horizontal direction. It is possible to make it difficult for the card medium C to be affected by gravity, and it is also possible to suppress the effects such as the card medium C being jammed (jammed) due to collision with the next conveyance path during conveyance. As a result, the card processing device 1A can smoothly transport the card medium C with only simple control. In addition, in this embodiment, the entrance conveyance path 1, the first conveyance path 15a, and the second conveyance path 15b are arranged horizontally. All the transport paths up to the second transport path 15b) are formed in a straight line in the horizontal direction. Thereby, the card processing device 1A can smoothly transport the card medium C through all the internal transport paths with only simple control.

The control unit 19 also includes a type determination unit 191 that determines the type of the card medium C based on information read from the magnetic stripe, and determines whether the card medium C is a type to be read by the first card reader unit 16. If it is determined that there is an EMV-IC card (that is, it is determined that it is an EMV-IC card), the card medium C is stopped by the first card reader unit 16, and the card medium C is read by the first card reader unit 16. If it is determined that the card medium C is not of the type (that is, it is determined that it is an IC card other than an EMV-IC card), the card medium C is caused to pass through the first card reader unit 16.
By doing so, the card processing device 1A can transport the card medium C to an appropriate card reader unit by simply performing simple control to stop or pass the card medium C depending on the type.

<Second embodiment>
Next, a toll machine and card processing device according to a second embodiment of the present invention will be described with reference to FIGS. 5 and 6.
Components common to those in the first embodiment are denoted by the same reference numerals, and detailed description thereof will be omitted.

(Functional configuration of card processing device)
FIG. 5 is a sectional view of a card processing device according to the second embodiment.
As shown in FIG. 5, the card processing device 1B according to the present embodiment further includes a third conveyance path 15c and a third card reader unit 18.

The third conveyance path 15c is arranged on the downstream side (-Y side) of the second conveyance path 15b, and has the same configuration as the entrance conveyance path 12, the first conveyance path 15a, and the second conveyance path 15b. The card medium C is transported between the reader unit 17 and a predetermined position inside the second card reader unit 17. Further, the third conveyance path 15c is arranged at a height that matches the first conveyance path 15a and the second conveyance path 15b. Therefore, the entrance conveyance path 12, the first conveyance path 15a, the second conveyance path 15b, and the third conveyance path 15c are linearly arranged in the horizontal direction (±Y direction). Therefore, the card processing device 1A can form the transport path from the entrance transport path 12 to the third card reader unit 18 in a straight line in the horizontal direction, so that the card medium C being transported is not affected by gravity. In addition, it is possible to suppress effects such as the card medium C being jammed (jammed) due to collision with the next conveyance path during conveyance.

The third card reader unit 18 is arranged on the downstream side (-Y side) of the second card reader unit 17. The third card reader unit 18 has an antenna 181 for performing wireless communication with the IC chip mounted on the card medium C. When the card medium C is transported to a predetermined position inside the third card reader unit 18, by performing wireless communication via the antenna 181, the third card reader unit 18 reads the IC chip mounted on the card medium C based on the third payment application. be readable.

Note that the third card reader unit 18 according to the present embodiment is a card reader unit that can read, for example, a non-contact IC card. Therefore, in the present embodiment, the card medium C includes a "contactless IC card," an "EMV-IC card," an "IC card other than an EMV-IC card," which are card media equipped with an IC chip, and an "optional IC card." It is assumed that there are four types: ``Front side magnetic stripe card''.

Further, the third payment application is one of multiple types of application formats recorded in advance on the IC chip, and in this embodiment, includes various programs for performing payment processing based on the contactless IC card. ing.

(Processing by card processing device)
FIG. 6 is a flowchart showing an example of processing of the card processing device according to the second embodiment.
The flow of processing of the card processing device 1B will be described below with reference to FIG. Note that the processing flow of the card processing device 1B shown in FIG. 6 is the same as the processing of the card processing device 1A according to the first embodiment shown in FIG. It is roughly the same as the flow. Therefore, a description of the same processes (steps S100 to S110) as in FIG. 4 will be omitted.

After executing the payment process (step S108) based on the second payment application in the second card reader unit 17, the control unit 19 of the card processing device 1B according to the present embodiment determines whether or not this payment process is successful. (Step S109). The process when it is determined that the payment process based on the second payment application is completed (step S109: YES) is the same as that in the first embodiment.

On the other hand, if the various information necessary for payment processing is not correctly read from the second card reader unit 17 and the payment processing fails in the CPU 2 of the automatic toll collection machine 100, the CPU 2 sends a contactless IC card to the control unit 19 of the card processing device 1B. A command to perform card-based payment processing is output. Upon receiving this command, the IC chip processing unit 193 of the control unit 19 determines that the payment process based on the second payment application has failed (step S109: NO). At this time, the IC chip processing section 193 notifies the second card reader unit 17 that the card processing has ended. Upon receiving this notification, the second card reader unit 17 moves the IC contact 171 to the first position P1 to make it out of contact with the IC chip, thereby making the card medium C movable. Further, the transport control unit 192 of the control unit 19 instructs the second transport path 15b and the third transport path 15c to transport the card medium C to a predetermined position inside the third card reader unit 18 (step S200 ).

When the third conveyance path 15c conveys the card medium C to a predetermined position inside the third card reader unit 18, the IC chip processing section 193 of the control section 19 performs a contactless Payment processing based on the third payment application for IC cards is executed (step S201). For example, the IC chip processing unit 193 selects a third payment application from the IC chip mounted on the card medium C to the third card reader unit 18, and based on this third payment application, the IC chip processing unit 193 selects a third payment application from the IC chip mounted on the card medium C. instructions to read various information necessary for payment processing from the IC chip. Then, the third card reader unit 18 reads the designated information from the IC chip by performing wireless communication via the antenna 181. Further, the IC chip processing section 193 outputs the IC chip reading information read by the third card reader unit 18 to the CPU 2 of the automatic toll collection machine 100 via the communication section 194.

Next, the IC chip processing unit 193 determines whether the payment processing based on the third payment application has been successful (step S202). For example, when various information necessary for payment processing is correctly read from the third card reader unit 18 and the payment processing is completed in the CPU 2 of the automatic toll collection machine 100, the card medium C is sent from the CPU 2 to the control unit 19 of the card processing device 1B. A command to discharge is output. When the conveyance control unit 192 and the IC chip processing unit 193 of the control unit 19 receive this command to eject the card medium C, they determine that the payment process based on the second payment application or the third payment application is completed (step S202: YES).

At this time, the IC chip processing section 193 notifies the third card reader unit 18 that the card processing has ended. Then, the third card reader unit 18 ends the wireless communication via the antenna 181 and makes the card medium C movable. Further, the transport control unit 192 discharges the card medium C (step S106).

On the other hand, if various information necessary for payment processing is not read correctly from the third card reader unit 18 and the payment processing fails in the CPU 2 of the automatic toll collection machine 100, the CPU 2 sends information to the control unit 19 of the card processing device 1B. A command to perform payment processing based on a magnetic stripe card is output. Upon receiving this command, the magnetic stripe processing unit 190 of the control unit 19 determines that the payment process has failed (step S202: NO), and in accordance with the command from the CPU 2 of the automatic toll collection machine 100, the magnetic stripe processing unit 190 of the control unit 19 Various processes related to card-based payment processing are executed (step S110). The subsequent processing is similar to the first embodiment.

(effect)
As described above, the card processing device 1B according to the present embodiment includes the third card reader unit 18, which is arranged downstream of the second card reader unit 17 and is capable of reading the IC chip based on the third payment application. Prepare more.
By doing so, the card processing device 1B can process the card medium C that cannot be processed by the first card reader unit 16 or the second card reader unit 17 with the third card reader unit 18.

(Hardware configuration)
FIG. 7 is a diagram illustrating an example of a hardware configuration of a card processing device according to at least one embodiment.
Hereinafter, the hardware configuration of the card processing devices 1A and 1B according to at least one embodiment described above will be described with reference to FIG.

The computer 900 includes a CPU 901, a main storage device 902, an auxiliary storage device 903, and an interface 904.

The above-described card processing devices 1A and 1B are each installed in a computer 900. The operations of each part of the card processing devices 1A and 1B described above are stored in the auxiliary storage device 903 of each computer 900 in the form of a program. The CPU 901 reads the program from the auxiliary storage device 903, expands it to the main storage device 902, and executes the above processing according to the program. Further, the CPU 901 secures a storage area (storage unit 195) in the main storage device 902 for storing various information acquired and generated during processing according to the program. Further, the CPU 901 secures a storage area in the auxiliary storage device 903 to store the data being processed according to the program.

Note that the computer 900 is connected to an external storage device 910 via an interface 904, and the storage area may be reserved in the external storage device 910.

Note that in at least one embodiment, the auxiliary storage device 903 is an example of a non-temporary tangible medium. Other examples of non-transitory tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. connected via interface 904. Further, when this program is distributed to the computer 900 via a communication line, the computer 900 that received the distribution may develop the program in the main storage device 902 and execute the above processing.

Moreover, the program may be for realizing part of the functions described above. Further, the program may be a so-called difference file (difference program) that realizes the above-described functions in combination with other programs already stored in the auxiliary storage device 903.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited thereto, and some design changes are possible without departing from the technical idea of the present invention.

For example, in each of the embodiments described above, an example in which the toll machine is the automatic toll collection machine 100 has been described, but the toll machine is not limited to this. In other embodiments, the toll machine may be a toll collection machine operated by a collector who collects usage fees from users.

In each of the embodiments described above, the first card reader unit 16 is a card reader unit that can read EMV-IC cards, and the second card reader unit 17 is a card reader unit that can read IC cards other than EMV-IC cards. Although an example has been described in which the third card reader unit 18 is a card reader unit capable of reading a non-contact IC card, the third card reader unit 18 is not limited to this. In other embodiments, the first card reader unit 16 may be a card reader unit capable of reading IC cards other than EMV-IC cards or contactless IC cards. The second card reader unit 17 may be a card reader unit capable of reading an EMV-IC card or a non-contact IC card. The third card reader unit 18 may be a card reader unit capable of reading an EMV-IC card or an IC card other than an EMV-IC card. The order of these cards can be changed arbitrarily depending on the card medium that is used frequently in the automatic toll collection machine 100.

Furthermore, in the above-described embodiment, the magnetic reading unit 13 is arranged downstream of the insertion slot 10 (on the entrance conveyance path 12), and the magnetic reading unit 13 reads the magnetic stripe of the card medium C. It is not limited to this. In other embodiments, each of the first card reader unit 16, the second card reader unit 17, and the third card reader unit 18 may have a magnetic read function for reading the magnetic stripe of the card medium C.

100 Automatic toll collection machine (toll machine)
1A, 1B Card processing device 10 Insertion slot 11 Card detection section 12 Entrance conveyance path 13, 13a, 13b Magnetic reading section 15a First conveyance path 15b Second conveyance path 15c Third conveyance path 16 First card reader unit 17 Second card Reader unit 18 Third card reader unit 19 Control section 190 Magnetic stripe processing section 191 Type determination section 192 Transport control section 193 IC chip processing section 194 Communication section 195 Storage section 2 CPU

Claims (7)

A card processing device that includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of payment application formats is recorded on the IC chip,
one insertion slot into which the card medium is inserted;
a magnetic reading section that is arranged downstream of the insertion slot in the insertion direction of the card medium and reads information stored on the magnetic stripe;
a first card reader unit disposed downstream of the magnetic reading section in the insertion direction of the card medium and capable of reading the IC chip based on a first payment application;
a second card reader unit disposed downstream of the first card reader unit in the card medium insertion direction and capable of reading the IC chip based on a second payment application;
If the information read from the magnetic stripe has a numeric arrangement pattern unique to the card number of a credit card, the card medium is conveyed to the first card reader unit, and the information read from the magnetic stripe includes a numeric arrangement pattern unique to the card number of a credit card. If there is no number arrangement pattern specific to the card number, a control unit that transports the card medium to the second card reader unit;
Equipped with
The control unit is further configured to transport the card medium to the second card reader unit if payment processing through the first card reader unit fails after the card medium is transported to the first card reader unit. do,
Card processing equipment. A first transport path that transports the card medium to the first card reader unit and a second transport path that transports the card medium to the second card reader unit are arranged horizontally.
The card processing device according to claim 1. The control unit includes:
comprising a type determination unit that determines the type of the card medium based on information read from the magnetic stripe;
If it is determined that the card medium is of a type to be read by the first card reader unit, stopping the card medium at the first card reader unit;
If it is determined that the card medium is not of a type to be read by the first card reader unit, allowing the card medium to pass through the first card reader unit;
The card processing device according to claim 1 or 2. further comprising a third card reader unit disposed downstream of the second card reader unit and capable of reading the IC chip based on a third payment application;
The card processing device according to any one of claims 1 to 3. A toll machine comprising the card processing device according to any one of claims 1 to 4. A card processing method that includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of payment application formats is recorded on the IC chip,
a magnetic reading step of reading information stored on the magnetic stripe of the card medium inserted through one insertion slot;
a first card reading step of enabling a first card reader unit to read the IC chip based on a first payment application;
a second card reading step of enabling a second card reader unit to read the IC chip based on a second payment application;
If the information read from the magnetic stripe has a numeric arrangement pattern unique to the card number of a credit card, the card medium is conveyed to the first card reader unit, and the information read from the magnetic stripe includes a numeric arrangement pattern unique to the card number of a credit card. If there is no number arrangement pattern specific to the card number, a control step of transporting the card medium to the second card reader unit;
has
The control step further includes transporting the card medium to the second card reader unit if payment processing through the first card reader unit fails after the card medium is transported to the first card reader unit. do,
Card processing method. A program that causes a computer of a card processing device to function, which includes a magnetic stripe and an IC chip, and performs payment processing based on a card medium in which at least one of a plurality of payment application formats is recorded on the IC chip,
a magnetic reading step of reading information stored on the magnetic stripe of the card medium inserted through one insertion slot;
a first card reading step of enabling a first card reader unit to read the IC chip based on a first payment application;
a second card reading step of enabling a second card reader unit to read the IC chip based on a second payment application;
If the information read from the magnetic stripe has a numeric arrangement pattern unique to the card number of a credit card, the card medium is conveyed to the first card reader unit, and the information read from the magnetic stripe includes a numeric arrangement pattern unique to the card number of a credit card. If there is no number arrangement pattern specific to the card number, a control step of transporting the card medium to the second card reader unit;
A program that executes
The control step further includes transporting the card medium to the second card reader unit if payment processing through the first card reader unit fails after the card medium is transported to the first card reader unit. do,
program.

Images