JPH0628074B2 - Mobile payment processing terminal for credit card - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a credit card portable settlement processing terminal capable of paying the price at a retail store, a restaurant, etc. with a credit card, and particularly a portable terminal. You can settle with a credit card to collect sales results,
The present invention relates to a credit card portable settlement processing terminal device that can give the contents of the stored information to another large-sized information processing device via an external line when necessary.

[Conventional technology]

In recent years, the distribution and sales industries have expanded in size and are chained together, so if you do not know the distribution and sales status by quickly aggregating sales results, quantity, items, etc. It is difficult to adapt to work. For this reason, a tally system has been developed to connect a register and a computer online to tally sales information in real time. This system can handle cash sales at supermarkets and mass retailers, but since the use of credit cards has become popular, it is possible to quickly collect and understand the status of customers using credit cards. The need has arisen.

For this reason, a credit card data entry key is provided in the register and information such as the membership number of the credit card is entered and collected along with the sales results, or a card reader is connected to the register and this card reader is used. A method has been proposed in which information recorded on a magnetic stripe attached to a credit card is read and collected together with sales results.

[Problems to be Solved by the Invention]

However, in any case, it must be constantly connected to the computer of the center online, by telephone line, etc., and the installation location is limited and it is inconvenient to carry.For example, in a restaurant with a large seating area It cannot be used when a credit card is used after receiving an order, or when the credit card is used for street sales at a store, etc., which narrows the range of use of the credit card. Also,
It is troublesome to enter data such as the code number of the sale item service name, unit price, quantity, etc. with the keyboard, input errors are likely to occur, and it is inadequate for a portable device to be used.

In view of the above-mentioned drawbacks, the present invention provides a portable terminal with a magnetic reading means and an optical reading means, which enables the terminal to be used alone without being connected to other devices or a telephone line. A credit card mobile phone that can read the information recorded on the magnetic stripe of the card, collect the card-related information, easily collect the sales record information by the optical reading unit, and temporarily store the information. The purpose of the present invention is to provide a settlement processing terminal.

[Means for Solving the Problems]

In order to achieve the above object, the credit card portable settlement processing terminal of the present invention, a magnetic head is provided at a predetermined position of a card insertion groove through which a credit card provided with a magnetic stripe is inserted, and recording is performed on the magnetic stripe. A magnetic reading unit for reading information such as a personal identification number via the magnetic head, and a portable optical system for reading characters and bar codes indicating information such as product / food size and amount printed on a paper surface such as a label. It has a reading unit and a portable terminal body that can pay the price at a retail store, a restaurant, etc. with a credit card based on the personal identification number from the magnetic reading unit and the read information from the optical reading unit. A credit card portable settlement processing terminal, wherein the terminal body is provided with a numeric keypad for inputting numbers, operation-related keys for instructing operations, An input section consisting of function keys for instructing a working mode, a display section for displaying input data from the ten-key pad of the input section, a calculation result or a collation result, and a printing section for printing given print data on a paper surface. The first means for collating the personal identification number read from the credit card by the magnetic reading unit with the personal identification data input from the ten-key pad, giving the collation result as display data to the display unit, and temporarily storing the personal identification number, The second means for calculating the total amount of money while giving information such as the product / food item and the amount of money read by the optical reading means to the display unit, the stored secret code number and the calculation result as time information And a third means for forming one set of information, a storage means for sequentially storing one set of information from the third means, and a fan for the input section An information processing section comprising a fifth means capable of serially reading the stored information in the storage means in response to a command from the operation key and supplying the information to a connector to which an external line can be attached and detached, and store the data stored in the storage means to the outside. It is characterized in that an external line is connected to the connector only when it is necessary to transmit, and the stored information of the storage unit can be serially read and transmitted to the external line by the fifth means.

[Action]

Since the present invention is configured as described above, it has the following effects.

The terminal body can be carried by hand like a calculator by hand, and the information processing unit performs settlement processing based on the information on the magnetic stripe of the credit card and the sales information by the optical character reading unit, and the terminal body The time information can be added to the time and stored in the storage means.

When using this terminal, not only the place where a counter or cash register is installed, but for example, product sales at stores,
It can be mainly used for order acceptance and settlement for each seat in a large restaurant, and the magnetic stripe of the customer's credit card is read by the magnetic reading unit of the terminal to capture information such as the card number. , Next, let the scanning window of the optical character reading unit approach the character data such as the product code and the amount of money on the label attached to the product, and read the sales data,
The information processing unit calculates each data and stores it in the internal storage means. When the stored data reaches a predetermined amount, the external line is electrically connected to the connector of the terminal. Then, the information processing unit is operated to send the stored data to the external line.

〔Example〕

 An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows the appearance of the terminal in this embodiment, which has a flat calculator shape excluding the printing section. This terminal is roughly classified into an input section 1, a display section 2 and a printing section 3. , A magnetic reading unit 4 and an optical reading unit 5. The input unit 1 and the display unit 2 have the same shape as a flat calculator, and the printing unit 3 following the display unit 2 has a trapezoidal upward projection, and a card for inserting a credit card on the side of the terminal. The insertion groove 6 is linearly cut, and a signal output connector 7 is provided on the front side of the terminal. Input section 1 mentioned above
Is a keyboard. Numeric keys 0 to 9; C key 9 for correction as a calculation related key; end of calculation as a calculation related key = key 10; ÷ × as a calculation related key It consists of a- + operation key 11 and a function key 12 for instructing the operation mode. Function key 12 is read key 13, switching key 14, print key
It is divided into 15 and the transmission key 16. The display unit 2 is provided with a display device 17 for displaying numbers by means of a Nixie tube, liquid crystal or the like, and the display device 17 can indicate a secret code, a product code, an amount of money or the like.

A magnetic head 18 that constitutes the magnetic reading unit 4 is provided at a position facing the card insertion groove 6 in the terminal, and the magnetic head 18 is positioned at substantially the same position as the inner wall of the card insertion groove 6 on the contact surface. The magnetic stripe 20 provided on the credit card 19 can be contacted. An elongated opening 21 is punched out in the upper part of the printing unit 3 described above, and the printed paper 22 is successively fed out from the opening 21. Next, the optical reading unit 5 is, for example, an optical character reader (OCR) 23, which has a shape of a handgrip type, and a scanning window 24 for passing the irradiation light and the reflected light on the paper on the head. Is opened, and the grip 25 is provided with a switch 25 used for operations and the like. A curl code 26 is connected to the optical character reader 23, and is electrically connected to the terminal body by a jack 27 connected to the end of the curl code 26.

FIG. 2 is a block diagram of the information processing unit housed in this embodiment.

The output of the magnetic head 18 is a decoder circuit 28, a gate circuit 29,
Format conversion circuit 31 passing through the input buffer circuit 30
The output of the numeric keypad 8 is transmitted to the input buffer circuit 32,
It is transmitted to the input control theory circuit 34 via the switching circuit 33, and the output of the optical character reader 23 is transmitted to the switching circuit 33 via the input buffer circuit 35. The read key 13 is connected to the input control theory circuit 34, and the output thereof is transmitted to the gate circuit 29, the collation circuit 36, and the character generation circuit 37. Part of the output of the input buffer circuit 30 is transmitted to the collation circuit 36, the output of the collation circuit 36 is input to the character generation circuit 37, and the output of the character generation circuit 37 is transmitted to the display unit 17. .

The calculation key 11 and the C key 9 are stored in the calculation buffer circuit 38.
The = key 10 is connected to the arithmetic control circuit 39, the output of the input control logic circuit 34 is input to the arithmetic buffer circuit 38, and the arithmetic buffer circuit 38 and the arithmetic control circuit 39 are mutually connected. A part of the output of the arithmetic control circuit 39 is input to the character generation circuit 37, and the other output surface is input to the format conversion circuit 31 through the stacker circuit 40, and the format conversion circuit 31 counts the time. A clock circuit 41 for switching is connected. The output of the format conversion circuit 31 is transmitted to the printer 43 contained in the printing unit 3 via the print control circuit 42, and the print control circuit 42 includes the print key 15 described above.
Is connected. The other output of the format conversion circuit 31 is transmitted in the order of the memory circuit 44, the output gate circuit 45, the output register circuit 46, and the serial output circuit 47, and the connector 7 is connected to the serial output circuit 47. The transmission key 16 described above is connected to the circuit 45.

Here, the respective units constituting the information processing unit and the above-mentioned respective components have the following relationship. First, the first means comprises a decoder circuit 28, a gate circuit 29, an input buffer circuit 30, and a matching circuit 36. The second means is a switching circuit 33, an input control logic circuit 34, an arithmetic buffer circuit 38, an arithmetic control circuit 39,
It consists of a stacker circuit 40. The third means comprises a format circuit 31 and a clock circuit 41. The storage means is a storage device
44. The fifth means comprises an output gate circuit 45, an output register circuit 46, and a serial output circuit 47.

Next, the operation of this embodiment will be described.

First, the outline of the operation of the terminal 51 will be described with reference to FIG.
The terminal 51 can be carried by hand like a calculator by hand, and collects and stores a part of the information of the credit card 19, sales information by the optical character reader 23, unique information in the terminal 51, etc. It is possible (the terminal 51 contains a battery and a large-capacity storage circuit). When using this terminal 51, it is not limited to the place where the counter or cash register is installed,
For example, it can be mainly used for selling products at stores, order acceptance and settlement for each seat in a large restaurant,
By reading the credit card 19 of the customer with the terminal device 51, information such as the card number is taken in, and then the product code of the label 52 attached to the product, the character data 53 such as the amount of money of the optical character reader 23. The scanning window 24 is moved closer to read the sales data, and each data is calculated and stored in the internal storage circuit. When the stored data reaches a predetermined amount (limit of storage capacity), insert the connector 54 into the connector 7 of the terminal 51 and connect the curl cord to the connector 54.
It is electrically connected to the transmitter 56 by 55. A telephone 57 is connected to the transmitter 56, a modem circuit is housed inside the transmitter 56, and a telephone line 58 is connected to the central office 59. The telephone 57 enables normal communication and data transmission. Can be sent.

Since the telephone station 59 and the computer center 61 in which the computer is installed are connected by the cable 60, the telephone 57 is used to call the computer of the computer center 61 via the telephone station 59, and then the transmission key 16 of the terminal 51 is pressed. By pressing, all the stored data is converted into a signal by the modem circuit in the transmitter 56 and sent to the calculation center 61. The calculation sensor 61 stores the sent data (there are a plurality of transmitters 56 and a plurality of terminals 51 are used for each transmitter 56, so a large amount of data is stored) and It is possible to calculate for each customer, send an invoice to each customer at the end of the month, and perform the work of debiting from a designated account. As a result, the owner of the credit card 19 can use it in a wide range without being limited to the vicinity of the place where the register is installed indoors, and the information from the magnetic stripe 20 remains unchanged for the card subscriber (institution). Furthermore, the sales information can be easily input by the optical character reader 23 and can be handled easily in operation.

A terminal 62 shown in FIG. 3 shows another embodiment. A pen-touch type bar code reader 63, which is one of optical readers, is connected to the terminal 62 by a curl code 64. ing. And each product has a label 65
Is attached, and a bar code 66 that signalizes the product code and the amount of money is printed on a part of each label 65.By sliding the bar code reader 63 on this bar code 66, The information of the product is read and stored in the terminal 62. When the predetermined amount of information is stored, the information is transmitted to the calculation center 61 using the transmitting device 56 as described above.

Now, the operation of each part of the block diagram in FIG. 2 will be described in detail for each mode.

"Reading mode" This is started when the card holder purchases and pays for the product, and when the reading key 13 is pressed, the operation of the terminal device 51 is started. The operator (the cashier) who has kept the credit card 19 from the card holder holds the terminal 51 in the left hand, holds the credit card 19 in the right hand and holds it in the state of FIG. 1, and puts the credit card 19 in the card insertion groove 6. The magnetic stripe 20 is inserted and pulled toward the inside of the card insertion groove 6 so that the magnetic stripe 20 comes into contact with and passes through the magnetic head 18. The magnetic head 18 reads the information recorded in the magnetic stripe 20, converts the signal in the decoder circuit 28, and converts it into a gate circuit 29 (already read key).
(Closed at 13) to the input buffer circuit 30 via. In the input buffer circuit 30, the information of the personal identification number in the magnetic stripe 20 is transmitted to the matching circuit 36, and the information such as the membership number of the credit card 19 is transmitted to the format conversion circuit 31.

“Personal Identification Number” In order for a participating store to use a credit card 19, it must be confirmed that the holder of the credit card 19 is an authorized holder of the credit card 19. Magnetic stripe for this
The PIN code recorded in advance in 20 and the number pressed on the numeric keypad 8 must match. After the information on the credit card 19 is read by the magnetic head 18, the terminal 51 is passed to the holder and the ten-key pad 8 is operated to enter a 4-digit personal identification number, for example. PIN code is input buffer circuit 32, switching circuit
33, transmitted to the matching circuit through the input control logic circuit 34,
The collation circuit 36 compares it with the code number information from the input buffer circuit 30, and if the two match, it is determined that the owner is valid, and the character generation circuit 37 causes the display 17 to display "ENTER OK". Is displayed. Numeric keypad 8
When the secret code entered in step 3 and the information from the input buffer circuit 30 are different, the character "ERROR" is displayed on the display 17 and the secret code number is entered again.

[Input and Calculation of Product Information] Next, in order to clarify the details of the purchased product and the amount of money, the switch key 14 is pressed and the switch circuit 33 is operated to directly connect the input buffer circuit 35 and the input control logic circuit 34. Then, by scanning the character code 53 of the label 52, characters and symbols are converted into electric signals by the optical character reader 23 to make product information, which is input buffer circuit 35, switching circuit.
It is transmitted to the display unit 17 through the 33, the input control logic circuit 34, and the character generation circuit 37, and is displayed to confirm the code number and the amount of money. Operation buffer circuit 38 and operation control circuit 3 at the same time
9. The code number and the amount of money are transmitted to the format conversion circuit 31 via the stacker circuit 40.

Then, the unit price and quantity of the product for which you entered the code number =
The total amount is calculated by operating the keys 10 and the calculation keys 11, and the calculation result is transmitted to the format conversion circuit 31 via the stacker circuit 40. In addition to the input buffer circuit 30 and the stacker circuit 40, a clock signal from the clock circuit 41 and information indicating the number unique to the terminal 51 are input to the format conversion circuit 31. This information is organized according to a predetermined order and transmitted to the print control circuit 42 and the storage circuit 44. In the memory circuit 44, the information can be stored for each operation, and the information for several hundreds of times can be stored with the numbers in the order of input. In this memory circuit, the contents stored by the backup battery are erased. There is no such thing.

"Printing" Credit card 19
Once the borrowing operation is complete, issue a copy to keep records for a few days and to clarify the card usage to the cardholder. In issuing this copy, the same information that is output to the storage circuit 44 from the format conversion circuit 31 by pressing the print key 15 and operating the print control circuit 42 is transmitted to the printer 43, and the information is printed on the paper 22. The letters and numbers that can be visually discriminated are printed, and the letters are sequentially drawn out from the opening 21. FIG. 4 shows an example in which information is printed on the paper 22. The date A from the clock circuit 41, the slip number B by the terminal 51, and the membership number of the credit card 19 are shown in order from the information on the paper 22. C, the unique identification number D set in the terminal 51, the code number E of the product, the price F of the product, the total amount G of the purchase amount, and the total amount H thereof are printed. 22 will be given to the cardholder as a copy.

"Data transmission" This terminal 51 has a limited storage capacity,
In order to collect and settle the sales results in real time, all the stored data must be transmitted to the calculation center 61 after a predetermined number of operations. Therefore, as shown in FIG. 3, when a continuous connector 54 is connected to the connector 7 with a curl cord 55 and the transmitter 56 is activated and the transmitter key 16 is pressed, the output gate circuit 45 is opened and the memory circuit 44 is stored. The data stored in is passed through the output gate circuit 45 and temporarily stored in the output register circuit 46 in accordance with the sending speed, converted into serial by the serial output circuit 47 from this output register circuit 46, and transmitted to the transmitter 56. Output. Transmission from the transmission device 56 is transmitted to the calculation center 61 via the telephone line 58, and the settlement and withdrawal operations are performed.

The above-described series of operations (from reading the credit card 19 to printing on the paper 22 and issuing a slip) is shown by the flow of the flowchart shown in FIG.

〔The invention's effect〕

INDUSTRIAL APPLICABILITY As described above, according to the present invention, the terminal itself can be carried by itself, and the magnetic reading unit reads the information stored in the magnetic stripe of the credit card and the information of the product to be sold is read by the optical reading unit. Since these information are stored together with time information and the stored information can be transmitted to an external processing device as needed, the range of use is not limited, and settlement operations can be performed at any place. There is an effect that the input operation of information such as is very easy, and the borrowing and settlement operations can be easily performed, and the sales record can be easily processed.

[Brief description of drawings]

FIG. 1 is a perspective view of the external appearance of a terminal which is an embodiment of the present invention, FIG. 2 is a block diagram showing the configuration of the information processing unit of the same, and FIG. FIG. 4 is a plan view showing a printed sheet, and FIG. 5 is a flow chart showing a flow of the operation. 1 ... Input unit, 2 ... Display unit, 3 ... Printing unit, 4 ... Magnetic reading unit, 5 ... Optical reading unit, 7 ... Connector, 19 ... Credit card, 20 ... Magnetic stripe, 31 ... Format conversion circuit, 34 ... Input control logic circuit, 36 ... Collation circuit, 38 ... Operation buffer circuit, 39 ... Operation control circuit, 44 ... Memory circuit, 47 ... Serial output circuit, 51 ... Terminal device.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁵ Identification code Office reference number FI technical display location G06F 15/74 340 A 7218-5L

Claims (1)

[Claims] 1. A magnetic head is provided at a predetermined position of a card insertion groove through which a credit card provided with a magnetic stripe is inserted, and information such as a personal identification number recorded on the magnetic stripe is read through the magnetic head. Magnetic reading unit, portable optical reading unit that reads characters and bar codes indicating information such as product / food size and price printed on paper such as labels, PIN code and optical type from the magnetic reading unit A credit card portable settlement processing terminal having a portable terminal body capable of paying the price at a retail store, a restaurant, etc. based on the information read from the reading unit by a credit card. On the main unit, there is a numeric keypad for entering numbers, operation-related keys for instructing operations, and an input section consisting of function keys for instructing various operation modes, A display unit for displaying input data from the ten-key pad of the input unit, a calculation result, a collation result, etc., a printing unit for printing given print data on a paper, and a personal identification number read from a credit card by the magnetic reading unit. The first means for collating the personal identification data input from the ten-key pad and giving the collation result as display data to the display unit and temporarily storing the personal identification number, the product / food item read by the optical reading means, the amount, etc. The second means for converting the information of the above into display information and giving it to the display section and for calculating the total amount of money; the third means for making the stored personal identification number and the above calculation result into one set of information together with time information; A storage means for sequentially storing a set of information from the three means, and a storage information stored in the storage means by a command from a function key of the input section. Read Le,
An information processing section comprising a fifth means capable of supplying an external line to a detachable connector is provided, and the external line is connected to the connector only when it is necessary to transmit the data stored in the storage means to the outside, A fifth aspect of the present invention is a credit card portable settlement processing terminal, wherein the storage information in the storage means can be serially read and transmitted to an external line.