JPH021094A - Method for clearing card - Google Patents

Abstract

PURPOSE:To make it possible to use a magnetic card once, and to make it impossible to use the card after the card is used once by making the card into a usable card on condition that the card is the one for which error processing is not executed when the magnetic information of the card is abnormal, and executing the error processing for the card. CONSTITUTION:When the bar code of the inserted magnetic card is examined, and when it is decided that an abatement for the data is impossible by a clearing processing circuit 50, the error mark of the card is examined. When no error mark exists, the circuit 50 indicates an amount indicated in the using amount mark area of the card on an indicator 6 and indicates a clearing possibility indicating button on a keyboard 5. Further, when an input amount from the keyboard 5 is smaller than the amounts respectively indicated on the indicator 6 and the keyboard 5, the circuit 50 executes an abatement calculation and commands an error processing circuit 47 to execute the error processing. The circuit 47 rotates a step motor 34 through a motor driving control circuit 43 and sends the card to an inserting port. When the card reaches a prescribed position, a punch hole is punched on the error mark area of the card by a punching mechanism 26, and the card is rendered unusable again.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a payment processing method when the information magnetically recorded on a card having a magnetic recording medium is abnormal, and particularly when a card with abnormal magnetic information is used. The present invention relates to a card payment method that allows the card to be used on the condition that no error processing is performed on the card when the card is used, and that performs error processing on the card after use.

[Conventional technology]

This type of card has a magnetic recording medium on which predetermined magnetic information is written. Such cards are obtained by paying a certain amount of money.
The magnetic recording medium records information regarding the amount, issuer, publication date, etc. Furthermore, the front of the card is printed with an indication of the equivalent amount of money spent.

Then, each time the card is used, the amount spent is subtracted from the amount data of the card magnetic information, and the data of the deducted amount is rewritten on the magnetic recording medium. At the same time, the corresponding amount display portion printed on the front surface of the card is punched in accordance with the amount spent.

[Problem to be solved by the invention]

However, since such magnetic cards have information magnetically recorded on the magnetic stripe, the information is easily lost, and it is necessary to take measures against the loss of the information. For this reason, in general, the corresponding amount of money printed on the front of the card is displayed by punching a hole depending on the amount spent, and this is used to prevent the magnetic information from disappearing.

However, some people try to use magnetic cards illegally by taking advantage of such measures against the loss of magnetic information, and there has been a need for a method to prevent such illegal use. However, if too strict measures are taken to prevent unauthorized use, there is the problem that general users will be inconvenienced, and in reality, it has been difficult to implement such measures.

The present invention has been made in order to solve the above-mentioned drawbacks, and an object of the present invention is to provide a card payment method that allows card use in certain cases due to abnormality in magnetic information, and does not allow card use outside of those conditions. shall be.

[Means to solve the problem]

In order to achieve the above object, a card payment method according to the present invention provides a payment processing method when information magnetically recorded on a card having a magnetic recording medium is abnormal. The present invention is characterized in that a magnetic card can be used on the condition that the magnetic card has not been subjected to error processing, and the magnetic card is subjected to error processing.

The card payment method of the present invention punches a hole in a certain part of the magnetic card as an error handling process, and also provides a notch in a certain part of the magnetic card or cuts off a corner of the magnetic card. , and also print marks etc. on a certain part of the magnetic card.

[Effect]

A magnetic card has predetermined magnetic information written on a magnetic recording medium, and is obtained by paying a certain amount of money. Information regarding the amount is recorded on the magnetic recording medium. Furthermore, the front of the card is printed with an indication of the equivalent amount of money spent. Each time the card is used, the amount spent is subtracted from the amount data in the magnetic information of the card, and the data of the deducted amount is rewritten on the magnetic recording medium. At the same time, the corresponding amount display portion printed on the front surface of the card is punched in accordance with the amount spent.

Here, when an abnormality occurs in the magnetic information of the magnetic card and an error occurs in reading the magnetic card, the magnetic card can be used on the condition that the magnetic card has not undergone error processing.

At this time, error processing is performed on the magnetic card.
Therefore, when the magnetic card is used next time, the error processing has been performed on the magnetic card, so that the magnetic card cannot be used.

Here, magnetic card error handling methods include punching a hole in a certain part of the magnetic card, cutting out a certain part of the magnetic card, cutting off a corner of the magnetic card, or There are processing methods such as printing a mark or the like on a certain part.

Since the present invention is configured in this manner, when the written information on the magnetic card is abnormal, it is possible to use it for - times, but it becomes impossible to use it after that, so it is difficult to ensure an appropriate usage pattern. It becomes possible.

〔Example〕 Hereinafter, the present invention will be explained based on illustrated embodiments.

1 to 7 are diagrams shown for explaining one embodiment of the present invention.

The third leap is a perspective view showing a payment device that implements an embodiment of the card payment method according to the present invention.

In FIG. 3, the payment device 1 has a rectangular parallelepiped shape, and the front panel of the rectangular parallelepiped is provided with a card slot 4 into which a magnetic card 3 having a magnetic barcode 2 is inserted.
An input keyboard 5 is provided above the input keyboard 5 for manually inputting the payment amount, a display 6 is provided above the input keyboard 5 for displaying necessary information, and a cash input button is provided on the right side of the manual keyboard 5 for inserting cash. An input lower and a change tray 8 are provided for collecting change after payment is completed, and an acoustic alarm 9 is provided on the left side of the input keyboard 5 for notifying the user of forgetting to take out a card or other audible changes. and Cancel button XO to cancel payment.
and a call S port 11 for calling an attendant.

Here, when paying with the magnetic card 3, the payment device 1 inserts the magnetic card 3 into the card slot 4 and reads information etc. written in the magnetic barcode 2 of the magnetic card 3. , displays the information on the display 6, displays the payment possible on the manual keyboard 5, subtracts the information read from the magnetic card 3 and the payment amount input from the manual keyboard 5, and calculates the amount. Return the result to the magnetic barcode 2 of the magnetic card 3
, and the magnetic card 3 is ejected into the card insertion slot 4.

On the other hand, when paying with cash, the payment device 1 converts the necessary cash into information from the cash input lower, displays the information on the display 6, and displays a display that allows payment on the human keyboard 5. The cash information is then subtracted from the payment amount input from the input keyboard 5, and the change is discharged into the change tray 8 if necessary. Note that since the present invention relates to a payment method using the magnetic card 3, a description of the payment method using cash will be omitted below.

FIGS. 4 and 5 are explanatory diagrams showing magnetic cards used in embodiments of the present invention.

This magnetic card 3 is made of a flexible material such as thin plastic, and has a fourth magnetic card on its surface.
As shown in the figure, an area 12 for displaying the payment amount and its payment status, and an error mark area 13 for error processing are provided, and other necessary information (
The sales amount, issued note name, etc.) are printed on it. Further, the magnetic card 3 is provided with a magnetic barcode 2 as a magnetic recording medium on the back surface thereof, as shown in FIG.

Further, the magnetic barcode 2 of the magnetic card 3 includes a fifth
As shown in the figure, "issuer code 2aJ", "amount code 2b", information necessary for reading and writing, etc. are magnetically recorded.

Further, in the magnetic card 3, the error mark area 13 and the area 12 are provided in the same direction with respect to the insertion direction, and the issuer code 2a is the name of the issuer, and the amount code 2b The amount of money printed on the surface of the card when it was issued is magnetically written in a code.

FIG. 6 is a configuration diagram showing the internal configuration of the payment device.

Inside the payment device 1, a pair of feed rollers 20.21 are rotatably provided in parallel at a position corresponding to the card insertion slot 4.
1, a magnetic head 22a for reading information on the magnetic barcode 2 of the magnetic card 3 is provided, and a magnetic head 22a for reading information and writing information on the magnetic barcode 2 is also provided. Here, the magnetic head 22a reads the issuer code 2a of the magnetic barcode 2 of the magnetic card 3, and the magnetic head 22a reads and inserts the amount code 2b of the magnetic barcode 2 of the magnetic card 3.

Further, an optical reading device 23 is provided next to the magnetic throats 22a and 22b, and this optical reading device 23 consists of a light emitting element 23A and a light sensor 23B.

On the right side of the optical reading device 23 in the drawing, a pair of feed rollers 24 and 25 are provided so as to be rotatable in parallel. A punch mechanism 26 is provided on the right side of the feed roller 24, 25 in the figure, and this punch mechanism is capable of punching holes in the area 12 and error mark area 13 of the magnetic card 3 in response to a punch command. It has a mechanism. Further, a pair of feed rollers 27.2B are provided adjacent to this punch mechanism 26 so as to be rotatable in parallel, and a roller 29.30 is provided at a fixed distance from this roller 27.28. There is. The roller 27
An endless belt 31 is wound between the roller 29 and the roller 29, and an endless belt 32 is wound between the roller 28 and the roller 30. The lower half of the outer circumference of the belt 31 is in contact with the upper half of the outer circumference of the belt 32. Said roller 29.3
A card contact detection sensor 33 which also serves as a stopper is provided on the right side of 0 in the drawing. Said feed roller 20.21, feed roller 24.25, roller 27.2B and roller 29
．． 30 is connected to a driving step motor 34 via a mechanism not shown, and rotates as the step motor 34 rotates.

The magnetic heads 22a, 22b, the optical reading device 23, the punch mechanism 26, and the card contact detection sensor 33 are electrically connected to a control circuit 35, and the step motor 34 is controlled by a rotation command generated by the control circuit 35. is set to rotate. The control circuit 35 also includes a speaker 36 of the acoustic alarm 9, a card detection sensor 37 based on light reflection that detects that the magnetic card 3 is inserted into the card slot 4, and an input keyboard 5. Display 6
, the cancel button 10, and the call button 11 are electrically connected.

FIG. 7 is a block diagram showing an example of the configuration of the control circuit shown in FIG. 6.

In FIG. 7, the control circuit 35 includes data reading circuits 40a, 40b, an optical reading circuit 41, the speaker driving circuit 42, a motor driving control circuit 43, a data writing circuit 44, a punching mechanism control circuit 45, an OR circuit 46, error processing circuit 47, write control circuit 48, data storage circuit 4
9, payment processing circuit 50, input keyboard control circuit 51,
It is composed of a display control circuit 52, a button press detection control circuit 53, and a card stop control circuit 54. The data reading circuits 40a, 40b are configured to supply data from the magnetic heads 22a, 22b to a payment processing circuit 50. The optical reading circuit 41 is configured to supply data from the optical reading device 23 and the card detection sensor 37 to the payment processing circuit 50.

The speaker drive circuit 42 is capable of converting a command from the payment processing circuit 50 into an acoustic signal and supplying it to the speaker 36. Furthermore, the motor drive control circuit 43
is the step motor 3 based on commands from the payment processing circuit 50, error processing circuit 47, and write control circuit 48.
4 to perform rotational drive control. The data write circuit 44 is configured to provide write data from the write control circuit 48 to the magnetic head 22b. The punching mechanism control circuit 45 receives punch commands from the error processing circuit 47, the write control circuit 48, and the settlement processing circuit 50 via the OR circuit 46, and causes the punching mechanism 26 to perform a punching operation. Settlement processing circuit 50
is connected to an error processing circuit 47, a write control circuit 48, and a data storage circuit 49. The human keyboard control circuit 51 is capable of supplying data from the input keyboard 5 to the payment processing circuit 50. The display control circuit 52 controls the display of the display 6 based on commands from the payment processing circuit 50. The i0 press detection control circuit 53 detects that the cancel button 10 and the call button 11 have been pressed and sends this to the payment processing circuit 5.
0 can be supplied. The card stop control circuit 54 is capable of supplying a signal from the card contact detection sensor 33 to the payment processing circuit 50. The payment processing circuit 50 is configured to control data reading circuits 40a, 40b to a card stop control circuit 54, which will be described later, in addition to payment processing. Further, when the payment processing circuit 50 detects that the magnetic card 3 is inserted into the card insertion slot 4 via the card detection sensor 37 and the card stop control circuit 54, it rotates the step motor 34 to insert the magnetic card 3 into the card insertion slot 4. 3 from the magnetic barcode 2 to the magnetic head 22a, 2
2b, data is taken in through the data reading circuits 40a and 40b, this data is written into the data storage circuit 49, and the payment amount from the input keyboard 5 is taken in through the input keyboard control circuit 51, and the deduction is calculated here. , sends the data to the write control circuit 48, causes it to be written in the amount code 2b portion of the magnetic barcode 2 of the magnetic card 3 via the data write circuit 44 and the magnetic head 22b, and also sends the data to the punch mechanism control circuit 45 and the punch mechanism 26.
The operation of punching a hole at a predetermined position in the area 12 of the magnetic card 3 is performed through the .

During this operation, under the control of the payment processing circuit 50, the magnetic card 3 is moved by the feed rollers 24, 25 and the belts 31, 32.
etc., in the left and right directions in the figure. The write control circuit 48 rewrites the amount code 2b portion of the magnetic barcode 2 of the magnetic card 3 via the data write circuit 44 and the magnetic head 22b, and also rewrites the amount code 2b portion of the magnetic barcode 2 of the magnetic card 3 via the OR circuit 46 and the punch mechanism control circuit 45. 26 to punch a hole in the area 12 of the magnetic card 3. Note that the control circuit 35 can be configured with a micro combinator.

Next, the operation of this embodiment will be explained with reference to FIGS. 1 to 7.

FIG. 1 is a flowchart showing this embodiment.

FIG. 2 is an explanatory diagram shown for explaining the operation of this embodiment.

First, the payment device 1 determines whether cash has been inserted from the cash input lower or whether the magnetic card 3 has been inserted into the card insertion slot 4 (step 5lot). Here, if it is cash, a cash settlement process is executed and the process ends (step 5102). Also, since it is a card, the payment device l
Since the card detection sensor 37 can detect that the magnetic card 3 has been inserted into the card slot 4 of drive As a result, the magnetic card 3 moves from the magnetic barcode 2 to the magnetic heads 22a, 22a and 22 while moving between the feed roller 20.21, the feed roller 24.25, and the belt 31.32.
2b, the issuer code 2a and amount code 2b are read (step 5103).

The data of the magnetic barcode 2 on the read magnetic card 3 is stored in the data storage circuit 49 via the payment processing circuit 50, and is determined by the payment processing circuit 5o whether the amount is larger than the minimum payment amount (step 5104). Here, if the amount is larger than the minimum settlement amount value, that is, if the amount can be reduced, the amount data is displayed on the display 6 via the display control circuit 52, and a display portion of the amount that can be settled according to the amount data is displayed. input keyboard 5 is displayed (step 5105). Next, the system waits for input of the amount from the input keyboard 5 (step 3106). Then, when there is an input from the input keyboard 5, and the key force value is greater than the amount on the magnetic card 3, (
Step 5107), the message "Payment cannot be completed. Please re-enter" is displayed on the display 6. Step 310
8), the process waits for key personnel in step 3106.

Further, when the key input value from the input keyboard 5 is smaller than the amount of money on the magnetic card 3 (step S10
? ), calculates the reduction amount, stores it in the data storage circuit 49, and outputs the reduction data to the write control circuit 48 together with the necessary data (step 3109).
When the data is input, the write control circuit 48 provides the data to the data write circuit 44 and the punch mechanism control circuit 45, and also provides the data to the motor drive control circuit 43.
The step motor 34 is rotated through the magnetic card 3.
to the four directions of the card slot (step 5).
ilo).

Then, when the magnetic card 3 reaches a predetermined position, the punching mechanism 26 is operated to punch a hole in that area 12 under the conditions for punching a hole, and the magnetic card 3 passes through the 6n air head 22b. Data writing is executed at the timing (step 5ill).

Next, the magnetic card 3 is further sent in the direction of the card insertion slot 4 (step 5112), and when the magnetic card 3 is detected by the card detection sensor 37, the magnetic card 3 is stopped and the audible alarm 9 emits a sound alerting the user to receive the magnetic card 3. The magnetic card 3 is waited for to be received (step 5114), and when the magnetic card 3 is received, the audible notification by the audible annunciator 9 is stopped (step 5115).
), the process ends.

On the other hand, if the amount cannot be reduced (step 5104), the payment processing circuit 50 rotates the step motor 34 via the motor drive control circuit 43 and reads the error mark area 13 of the magnetic card 3 via the optical reader 23. (Step 5116).

Here, if there is no error mark in the error mark area 13 of the magnetic card 3 (step 3116), area I2 of the magnetic card 3 is read (status 7'511B), and if the entire amount has not been used (step 5119) ,
The amount indicated in the area 12 of the magnetic card 3 can be used.

That is, the amount indicated in the area 12 of the magnetic card 3 is given to the payment processing circuit 50 to be displayed on the display 6, and a display button that allows payment to be made is displayed on the input keyboard 5 (step 5220). Waiting for input of amount from (step 5121).

If the amount entered manually exceeds the amount displayed on the display 6 and the input keyboard 5 (step 5
122), display it on the display 6 step 5123
), the system waits for key personnel (step 5121).

The key force value from the input keyboard 5 is transferred to the magnetic card 3.
When the amount is smaller than (step 5122),
Calculate the reduction and store this in the data storage circuit 49 along with an abnormal note, and also send the error processing circuit 47 to the data storage circuit 49.
Outputs a command to perform error processing (step 51)
24).

When the error processing command is input, the error processing circuit 47 provides the data to the punch mechanism control circuit 45 and rotates the step motor 34 via the motor drive control circuit 43 to insert the magnetic card 3 into the card slot. Entrance 4
(step 5125).

Then, when the magnetic card 3 reaches the predetermined position,
As an error process, the punch mechanism 26 is operated to punch a hole EH in the error mark area 13 (step 5126).

By executing such processing (step 3126), the error mark area 13 of the magnetic card 3 has the following information:
Step 5: As shown in Figure 2, the 0 indicator 6 on which the punch holes EH are punched should indicate that re-transformation cannot be used.
127), ejecting the magnetic card 3 (step 5)
112).

That is, when the magnetic information of the magnetic barcode 2 of the magnetic card 3 is abnormal (step 5104), error processing has not been performed (a punch hole E is formed in the error mark area 13).
The magnetic card 3 can be used on the condition that it is a magnetic card 3 (without H), and a punch hole EH is punched in the error mark area 13 of the magnetic card 3 as an error processing.

Note that when the error mark area 13 of the magnetic card 3 is read with the optical reader 23, if a punch hole EH is opened as an error mark, an error card is displayed on the display 6 (step 312B). Further feed the card 3 in the direction of the card slot 4 (step 51).
12), the process moves to step 5112 and subsequent steps.

Furthermore, if there is no error mark in the error mark area 13 of the magnetic card 3 (step 5116), the area 12 of the magnetic card 3 is read (step 511B), and if the entire amount has been used (step 5119),
Step 5129) displays on the display 6 that there is no amount that can be settled because all the amount has been used;
The process moves to step 5112 and subsequent steps.

This embodiment operates as described above, and when the magnetic information of the magnetic barcode 2 of the magnetic card 3 is abnormal, the magnetic card 3 can be used on the condition that the magnetic card 3 has not undergone error processing. In addition, since the magnetic card 3 is made to have a punch hole EH in the error mark area 13 as an error processing, when the written information of the magnetic card 3 is abnormal, it can be used - times, but after that This makes it impossible to use the term, and it is possible to establish the appropriate usage.

FIG. 8 is an explanatory diagram showing another embodiment of the present invention, in which a notch 60 is provided in a part of the magnetic card 3 for error handling. Like this magnetic card 3
The payment device 1 in which the notch portion 60 is provided may be provided with a notch mechanism in addition to the punch mechanism 26, and this may be driven by the error processing circuit 47.

This embodiment also provides the same effects as the above-mentioned embodiment, and it becomes difficult to counterfeit the magnetic card 3 that has undergone error processing.

FIG. 9 is an explanatory diagram showing still another embodiment of the present invention, in which the corner portion of the magnetic card 3 is
1 is cut out.

The payment device 1 configured to cut off the corner 61 of the magnetic card 3 in this manner may be provided with a cutting mechanism in addition to the punch mechanism 26, and this may be driven by the error processing circuit 47.

This embodiment also provides the same effects as the above-mentioned embodiment, and it becomes even more difficult to counterfeit the magnetic card 3 that has undergone error processing.

FIG. 10 is an explanatory diagram showing still another embodiment of the present invention, in which a large error mark 62 is printed with indelible ink or the like on the surface of the magnetic card 3 as an error process. . The payment device l that prints the error mark 62 on the magnetic card 3 in this way is a punch 6126.
In addition to the above, an error mark printing mechanism may be provided and this may be driven by the error processing circuit 47.

This embodiment also provides the same effects as the above-mentioned embodiment, and it becomes even more difficult to counterfeit the magnetic card 3 that has undergone error processing.

Moreover, in the above embodiment, by inputting the settlement amount from the input keyboard 5! Although this method was used to calculate #, it can also be applied to, for example, a method in which a fixed amount is reduced each time the amount is used.

〔Effect of the invention〕

As described above, according to the present invention, when the magnetic information on the magnetic card is abnormal, the magnetic card can be used on the condition that the magnetic card is not subjected to error processing, and the magnetic card Since error processing is applied to the magnetic card, if the written information on the magnetic card is abnormal, it will be possible to use the magnetic card for - times, but it will not be possible to use it after that, making it possible to ensure an appropriate usage pattern. Become.

Further, according to the present invention, as error handling, a hole is punched in a certain part of the magnetic card, a notch is provided in a certain part of the magnetic card, or a corner of the magnetic card is cut off. Furthermore, since a mark or the like is printed on a certain part of the magnetic card, there is also the effect that the magnetic card cannot be counterfeited.

[Brief explanation of the drawing]

Fig. 1 is a flowchart showing an embodiment of the present invention, Fig. 2 is an explanatory diagram of the embodiment, Fig. 3 is a perspective view showing a payment device that realizes the embodiment, and Figs. 4 and 5 are magnetic A diagram showing the card, FIG. 6 is an internal structure diagram of the payment device, FIG. 7 is a block diagram showing an example of the internal configuration of the control circuit, and FIGS.
FIG. 0 is an explanatory diagram showing another embodiment of the present invention. ■...Payment device, 2...Magnetic barcode, 3...
Magnetic card, 4... Card slot, 5... Input keyboard 6... Display, 9... Acoustic alarm, 10...
・Cancel S port 11... Call button, 22... Magnetic head, 23... Optical reader 26... Punch mechanism,
35...control circuit. Figure 2 Patent Applicant Nippon Card Center Co., Ltd. Agent Patent Attorney Hibi Akira Memorandum Figure Figure 2

Claims (5)

[Claims] (1) A payment processing method when the information magnetically recorded on a card having a magnetic recording medium is abnormal, provided that the magnetic card is a magnetic card that has not undergone error processing when the magnetic information of the magnetic card is abnormal. 1. A card payment method that enables the use of a magnetic card and that performs error processing on the magnetic card. (2) The card payment method according to claim 1, wherein the error processing includes punching a hole in a predetermined portion of the magnetic card. (3) The card payment method according to claim 1, wherein the error processing includes providing a notch in a certain part of the magnetic card. (4) The card payment method according to claim 1, wherein the error processing includes cutting off a corner of the magnetic card. (5) The card payment method according to claim 1, wherein the error processing includes printing a mark or the like on a certain part of the magnetic card.