JP2021043879A - Card processor and control program thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent unauthorized use of a counterfeit card obtained by duplicating a credit card equipped with an IC chip even in a store using a magnetic card processing device.
A card processing device includes a reading unit, an acquisition unit, and a notification unit. The reading unit reads the card information from the card that stores the card information related to the payment as magnetic information. The acquisition unit acquires information indicating that the IC chip is mounted from the card information read by the reading unit. When the notification unit acquires information indicating that the IC chip is mounted in the acquisition unit, the notification unit notifies the card handler that the card is a card on which the IC chip is mounted.
[Selection diagram] Fig. 1

Description

An embodiment of the present invention relates to a card processing device and a control program thereof.

In recent years, credit cards equipped with IC chips have become widespread. Card information is encrypted and recorded on the IC chip. Therefore, it is more durable than a magnetic credit card in which card information is recorded on a magnetic stripe. Further, when making a payment with a credit card equipped with an IC chip, the identity is confirmed by inputting a personal identification number instead of a signature, so that there is an advantage that the effect of preventing unauthorized use is high.

However, in small and medium-sized retail stores, the penetration rate of IC card processing devices that process credit cards equipped with IC chips is not high. Many stores still use magnetic card processing devices that process magnetic credit cards. For this reason, even a credit card equipped with an IC chip is provided with a magnetic stripe, and a combined credit card that can be used not only with an IC card processing device but also with a magnetic card processing device is the mainstream.

By the way, the information on the magnetic stripe can be read by a third party using a simple reader. Therefore, it is easy to generate a counterfeit card. On the other hand, in order to read the information of the IC chip, a highly specialized reader is required and the difficulty level is high. Moreover, the IC chip itself is relatively expensive. Therefore, it is not easy to forge a credit card equipped with an IC chip. However, even if the credit card is equipped with an IC chip, in the case of a card equipped with a magnetic stripe, the magnetic data read from the magnetic stripe of the card is converted into, for example, the magnetic stripe of the magnetic card equipped with a dummy IC chip. By copying, a credit card equipped with an IC chip can be forged. Forged credit cards can be fraudulently used at any store that uses a magnetic card processing device.

Japanese Unexamined Patent Publication No. 2005-216226

The problem to be solved by the embodiment of the present invention is a card processing device that can prevent unauthorized use of a counterfeit card that duplicates a credit card equipped with an IC chip even in a store using a magnetic card processing device. Is intended to provide.

In one embodiment, the card processing device includes a reading unit, an acquisition unit, and a notification unit. The reading unit reads the card information from the card that stores the card information related to the payment as magnetic information. The acquisition unit acquires information indicating that the IC chip is mounted from the card information read by the reading unit. When the notification unit acquires information indicating that the IC chip is mounted in the acquisition unit, the notification unit notifies the card handler that the card is a card on which the IC chip is mounted.

FIG. 1 is a schematic diagram showing an overall configuration of a card payment system including a card processing device according to an embodiment. FIG. 2 is a block diagram of a card payment system including a main circuit configuration of the card processing device. FIG. 3 is a flow chart showing a main information processing procedure executed by the processor of the card processing device. FIG. 4A is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4B is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4C is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4D is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4E is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4F is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 4G is a diagram showing an example of information displayed on the touch screen of the card processing device. FIG. 5 is a schematic diagram showing an overall configuration of a card payment system including a card processing device according to another embodiment.

Hereinafter, an embodiment of a card processing device that can prevent unauthorized use of a counterfeit card that duplicates a credit card equipped with an IC chip even in a store using a magnetic card processing device will be described with reference to the drawings. To do.
In the following description, a credit card on which an IC chip is mounted and having a magnetic stripe is referred to as an IC credit card, and a credit card having only a magnetic stripe is referred to as a magnetic credit card. However, when it is not necessary to distinguish between an IC credit card and a magnetic credit card, it is simply referred to as a credit card.

FIG. 1 is a schematic diagram showing an overall configuration of a card payment system including the card processing device 1 according to the present embodiment. FIG. 2 is a block diagram of a card payment system including a main circuit configuration of the card processing device 1. First, the configuration of the card payment system will be described with reference to FIGS. 1 and 2.

As shown in FIGS. 1 and 2, the card payment system of the present embodiment includes a card processing device 1 and an electronic signature input terminal 2. The card processing device 1 is a device that performs network communication with a server of a credit card company to perform processing related to card payment. The details of the card processing device 1 will be described later.
The electronic signature input terminal 2 is a terminal for inputting an electronic signature. The electronic sign input terminal 2 includes a touch screen 31 for signing, and inputs line data representing a handwritten line as electronic sign data to the touch screen 31 in response to, for example, a handwriting input operation using a pen. To do. The line data is represented by, for example, a data string of coordinates indicating the position touched by the pen. The electronic signature input terminal 2 has a function of transmitting electronic signature data input via the touch screen 31 to the card processing device 1.

As shown in FIG. 1, the card processing device 1 has a rectangular box-shaped main body 10, and a power switch 11 is provided on the lower right side of the main body 10. Further, the card processing device 1 is provided with an operation panel 12 on the upper surface of the main body 10. The operation panel 12 is provided with a touch screen 13 composed of an LCD (Liquid Crystal Display) display module 13a (see FIG. 2) and a touch pad 13b (see FIG. 2) on its surface. Further, the operation panel 12 is openable and closable with respect to the upper surface, and by opening the operation panel 12, the receipt paper can be set inside the main body 10. Inside the main body 10, a printer 14 (see FIG. 2) for printing information related to payment on receipt paper is provided. Further, a receipt issuing port 15 is formed between the main body 10 and the operation panel 12. The receipt paper printed by the printer 14 is discharged from the receipt issuing port 15 to the outside of the main body 10.

The card processing device 1 is provided with a card reader 16 on the upper side surface of the main body 10. The card reader 16 is for reading the card information recorded on the magnetic stripe from the credit card. The card reader 16 constitutes a reading unit of the card processing device 1.

The card processing device 1 arranges a reset button 17 on the operation panel 12. The reset button 17 is an operation button for instructing the clearing of the card information read by the card reader 16, the electronic signature data input from the touch screen 31, and the like.

As shown in FIG. 2, the card processing device 1 includes a processor 20, a memory 102, an input / output interface 103, and a display controller 104. In the card processing device 1, a computer is composed of a processor 20, a memory 102, an input / output interface 103, and a display controller 104.

The processor 101 corresponds to the central part of the computer. The processor 101 controls each unit in order to realize various functions as the card processing device 1 according to the operating system or the application program. The processor 101 is, for example, a CPU (Central Processing Unit).

The memory 102 corresponds to the storage portion of the computer. The memory 102 includes a non-volatile memory area and a volatile memory area. The memory 102 stores an operating system or an application program in a non-volatile memory area. The memory 102 may store data necessary for the processor 101 to execute a process for controlling each unit in a non-volatile or volatile memory area. The memory 102 uses a volatile memory area as a work area where data is appropriately rewritten by the processor 101. The non-volatile memory area is, for example, a ROM (Read Only Memory). The volatile memory area is, for example, RAM (Random Access Memory).

The application program stored in the memory 102 includes a control program described for information processing executed by the card processing device 1. The method of installing the control program in the memory 102 is not particularly limited. The control program can be recorded on a removable recording medium, or the control program can be distributed by communication via a network and installed in the memory 102. The recording medium may be in any form as long as it can store a program such as a CD-ROM or a memory card and the device can read it.

The input / output interface 103 is an interface for inputting / outputting data to / from the electronic sign input terminal 2 according to a predetermined communication protocol. Further, the input / output interface 103 is connected to a network 4 such as an intranet, and data communication can be performed with the server 5 of the credit card company via the network 4.

The display controller 104 controls the LCD display module 13a and the touch pad 13b of the touch screen 13 in order to make the touch screen 13 function as a GUI (Graphical User Interface). That is, the display controller 104 has a function of displaying various images on the LCD display module 13a in response to a command from the processor 101. Further, the display controller 104 has a function of detecting the touch operation position with respect to the image displayed on the LCD display module 13a by the signal from the touch pad 13b and notifying the processor 101 of the touch operation position.

The card processing device 1 having such a configuration processes credit payments based on the card information recorded on the magnetic stripe of an IC credit card or a magnetic credit card. Further, in the card processing device 1, the processor 101 executes information processing of the procedure shown in the flow chart of FIG. 3 in order to prevent unauthorized use of the counterfeit card due to skimming. This information processing follows a control program stored in the memory 102. This information processing procedure is an example. The procedure is not particularly limited as long as the same effect can be obtained.

FIG. 3 shows a main information processing procedure after the card handler who operates the card processing device 1 to process the credit payment declares the start of processing. The card handler is typically a retail store clerk. When the start of processing is declared, the processor 101 displays the credit payment screen on the touch screen 13 as ACT1. The credit payment screen is a screen for accepting input of information related to credit payment such as credit payment amount and number of payments.

The card handler who confirms the credit payment screen inputs the credit payment amount, the number of payments, etc. through the screen. Then, the card handler who has completed the input causes the card reader 16 to read the card information recorded on the magnetic stripe of the credit card entrusted by the customer to be settled.

When the information regarding the credit payment is input, the processor 101 controls the reading of the card information as ACT2. Specifically, the processor 101 waits for the card reader 16 to read the magnetic data recorded on the magnetic stripe. Then, the processor 101 confirms whether or not the magnetic data read by the card reader 16 is the card information of the credit card. When the magnetic data is other than the card information, the processor 101 discards the magnetic data. When the magnetic data is card information, the processor 101 takes in the magnetic data as card information. Then, the processor 101 proceeds to ACT3.

Here, when the credit card is an IC credit card, the card information recorded on the magnetic stripe includes information indicating that the credit card is a credit card equipped with an IC chip. Hereinafter, this information will be referred to as IC-existing information. On the other hand, when the credit card is a magnetic credit card, the card information recorded on the magnetic stripe does not include the IC existence information.

The processor 101 that has taken in the card information determines whether or not the card information is the card information of the IC credit card as ACT3. As described above, when the card information includes the IC possession information, the processor 101 determines that the card information is the card information of the IC credit card. When the card information does not include the IC possession information, the processor 101 determines that the card information is the card information of the magnetic credit card. When the card information is the card information of the magnetic credit card, the processor 101 determines NO in ACT3 and proceeds to ACT6. The processing of ACT6 will be described later.

Here, the processor 101 constitutes an acquisition unit by executing the processes of ACT2 and ACT3. That is, the processor 101 acquires information indicating that the IC chip is mounted from the card information read by the card reader 16 which is a reading unit.

When the card information is the card information of the IC credit card, the processor 101 determines YES in ACT3 and proceeds to ACT4. The processor 101 displays the image SC1 shown in FIG. 4A as the ACT 4 on the touch screen 13. The image SC1 is an image displaying, for example, "Confirmation This card is an IC credit card" as a message M1 notifying the card handler that the card is an IC credit card. The card handler who confirms the message M1 can recognize that the credit card entrusted by the customer is an IC credit card.

Here, the processor 101 constitutes a notification unit by executing the processing of the ACT 4 in cooperation with the touch screen 13. That is, when the processor 101 acquires the information indicating that the IC chip is mounted in the acquisition unit, the processor 101 notifies the card handler that the card is a card on which the IC chip is mounted.

The processor 101 switches the display of the touch screen 13 from the image SC1 to the image SC2 shown in FIG. 4B as the ACT5. The image SC2 is an image displaying, for example, "Does the confirmation card have an IC chip?" As a message M2 prompting the card operator to confirm whether or not the card has an IC chip. The OK button B1 and the NG button B2 are also displayed on the image SC2. The card handler who confirms the message M2 confirms whether or not the IC chip is attached to the credit card entrusted by the customer. Then, when the IC chip is attached, the card handler touches the OK button B1. When the IC chip is not attached, the card handler touches the NG button B2.

The processor 101 waits for the OK button B1 or the NG button B2 to be touched. Then, when it is detected that the NG button B2 is touched by the signal from the touch pad 13b, the processor 101 determines NO in the ACT 5 and proceeds to the ACT 10. The processing of ACT10 will be described later.

On the other hand, when it is detected that the OK button B1 is touched by the signal from the touch pad 13b, the processor 101 determines YES in ACT5 and proceeds to ACT6. That is, the processor 101 proceeds to ACT6 when the card is a magnetic credit card, or when the card is an IC credit card and the card handler confirms that the credit card is equipped with an IC chip.

The processor 101 switches the display of the touch screen 13 from the image SC2 to the image SC3 shown in FIG. 4C as the ACT6. The image SC3 is an image displaying, for example, "Is the confirmation card signed?" As a message M3 prompting the card handler to confirm whether or not the card has a signature. The OK button B3 and the NG button B4 are also displayed on the image SC3. The card handler who confirms the message M3 confirms whether or not there is a signature in the signature line of the credit card received from the customer. If there is a signature, the card handler touches the OK button B3. If there is no signature, the card handler touches the NG button B4.

The processor 101 waits for the OK button B3 or the NG button B4 to be touched. Then, when it is detected that the OK button B3 is touched by the signal from the touch pad 13b, the processor 101 determines YES in ACT6 and proceeds to ACT8. The processing of ACT8 will be described later.

On the other hand, when it is detected that the NG button B4 is touched by the signal from the touch pad 13b, the processor 101 determines NO in the ACT 6 and proceeds to the ACT 7. The processor 101 switches the display of the touch screen 13 from the image SC3 to the image SC4 shown in FIG. 4D as the ACT7. The image SC4 is a message M4 that prompts the card handler to sign the customer and confirm whether or not the name is the same as the name of the card. For example, "Please fill in the signature and confirm that the name is the same as the card. Please. If you cannot read the signature, please check your name. " The OK button B5 and the NG button B6 are also displayed on the image SC4. The card handler who confirms the message M4 receives a signature from the customer on the electronic signature input terminal 2 or a predetermined form, and confirms whether the signed name is the same as the name of the card. If the signed name is the same as the name on the card, the clerk touches the OK button B5. If the signed name is different from the name on the card, touch the NG button B6.

The processor 101 waits for the OK button B5 or the NG button B6 to be touched. Then, when it is detected that the OK button B5 is touched by the signal from the touch pad 13b, the processor 101 determines YES in ACT7 and proceeds to ACT8. That is, when the card handler confirms that the credit card has a signature or that the signature entered by the customer matches the name of the card even without the signature, the processor 101 proceeds to ACT8.

The processor 101 switches the display of the touch screen 13 from the image SC4 to the image SC5 shown in FIG. 4E as the ACT8. The image SC5 handles the card number "1234 5678 XXXX XXXX" included in the read card information and confirms whether the card number stamped on the card and the displayed card number match. As the message M5 urging the person, for example, it is an image displaying "Is the card number stamped on the confirmation card the same as the displayed card number?". The OK button B7 and the NG button B8 are also displayed on the image SC5. The card handler who has confirmed the message M5 confirms whether or not the card number stamped on the card matches the card number "1234 5678 XXXX XXXX" displayed on the touch screen 13. If they match, the card handler touches the OK button B7. If they do not match, the card handler touches the NG button B8.

The processor 101 waits for the OK button B7 or the NG button B8 to be touched. Then, when it is detected that the OK button B7 is touched by the signal from the touch pad 13b, the processor 101 determines YES in the ACT 8 and proceeds to the ACT 9. The processor 101 switches the display of the touch screen 13 from the image SC5 to the image SC6 shown in FIG. 4F as the ACT9. The image SC6 is an image displaying, for example, "transaction is possible" as a message M6 prompting the card handler that the transaction can be settled by a credit card. The card handler who confirms the message M6 executes the settlement process of the transaction by the credit card. Since this payment process is a well-known process, the description here will be omitted.

On the other hand, when the processor 101 detects that the NG button B8 is touched by the signal from the touch pad 13b, the processor 101 determines NO in the ACT 8 and proceeds to the ACT 10. That is, when the card handler confirms that the IC credit card does not have an IC chip, or confirms a signature mismatch, or confirms a card number mismatch, the processor 101 goes to ACT10. move on. The processor 101 switches the display of the touch screen 13 as the ACT 10 from the image SC2, SC4 or SC5 to the image SC7 shown in FIG. 4G. Image SC7 is an image that displays, for example, "This card cannot be used. Please contact the credit card company immediately." As a message M7 notifying the card handler that the credit card is a forged card. is there. The card handler who confirms the message recognizes that the credit card is a counterfeit card. Then, the card handler stops the payment by the credit card and takes measures when the counterfeit card is used. Since this countermeasure is also a well-known process, the description here will be omitted.

When the processor 101 finishes the process of ACT9 or ACT10, the information of the procedure shown in the flow chart of FIG. 3 ends the process.

The processor 101 may issue a warning to the card handler separately from the display of the image SC7. Since there is a risk that the customer who sees the display will be alert and cause an illegal act, it is preferable to use another notification form that can be understood only by the clerk. For example, it is conceivable to play a predetermined melody sound indicating a warning, or to turn on / blink an LED (Light Emitting Diode) or the like.

Here, the LCD display module 13a of the touch screen 13 functions as a display unit by receiving the processing of ACT5 to ACT8 of the processor 101. Further, the touch pad 13b of the touch screen 13 functions as a reception unit by receiving the processing of ACT5 to ACT8 of the processor 101. That is, when the LCD display module 13a acquires the information indicating that the IC chip is mounted in the acquisition unit, the items necessary for confirming the validity of the card to the card handler are displayed in the image SC2 and the image. The SC3, the image SC4, and the image SC5 are displayed in sequence. Then, the touch pad 13b receives the confirmation result of the card handler for the item displayed on the display unit by the touch input of the OK buttons B1, B3, B5, B7 or the NG buttons B2, B4, B6, B8.

As is clear from the above description, when the card processing device 1 uses a magnetic card that illegally copies the card information recorded on the magnetic stripe of the IC credit card, the image shown in FIG. 4A is displayed on the touch screen 13. SC1 is displayed, followed by the image SC2 shown in FIG. 4B. Therefore, when the IC card is not attached to the magnetic card, the card handler can easily confirm that the magnetic card is a counterfeit card. Further, since the card handler carefully checks the IC chip by the message M2 of the image SC2, even if the dummy IC chip is mounted on the magnetic card, the fraud can be easily detected.

Even if it is difficult to identify the dummy IC chip, the image SC3, the image SC4, and the image SC5 are continuously displayed, and the card handler performs a confirmation operation according to the image message each time. Therefore, the probability of distinguishing a counterfeit card from a difference in signature or a difference in card number is extremely high.

Therefore, according to the present embodiment, it is possible to provide a card processing device 1 that can prevent unauthorized use of a counterfeit card that duplicates an IC credit card even in a store that uses the magnetic card processing device.

The card processing device 1 is not limited to the single device shown in FIG. For example, as shown in FIG. 5, a POS terminal 6 provided with a magnetic card reader 61, a keyboard 62, an operator display 63, a customer display 64, and the like can be used as one aspect of the card processing device. That is, the magnetic card reader 61 functions as a reading unit. Then, when the processor, which is the control unit of the POS terminal 6, reads the card information from the card that stores the card information related to the payment as magnetic information by the magnetic card reader 61, the IC chip is mounted from the card information. Get the information that indicates. Then, when the processor acquires the information indicating that the IC chip is mounted, the image SC1 for notifying the card handler that the card is a card equipped with the IC chip, and further to the card handler. On the other hand, images SC2, SC3, SC4, SC5 and the like showing items necessary for confirming the validity of the card are displayed on the operator display 33. Then, the processor receives the confirmation result of the card handler for the item displayed on the display unit by operating and inputting the predetermined key of the keyboard 62. Thus, the function of the card processing device 1 can be realized by the POS terminal 6.

Incidentally, the screen of the operator display 63 on the POS terminal 6 faces the clerk who handles the card, and the customer facing the clerk cannot confirm the displayed contents. Therefore, there is no problem even if a specific warning is displayed on the operator display 63. Further, since the customer display 64 is suitable for the customer side, information may be displayed on the customer display 64 as needed to share the information with the customer.

Although some embodiments of the present invention have been described above, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and modifications thereof are included in the scope and gist of the invention, and are also included in the scope of the invention described in the claims and the equivalent scope thereof.

1 ... card processor, 2 ... electronic sign input terminal, 6 ... POS terminal, 12 ... operation panel, 13 ... touch screen, 13a ... LCD display module, 13b ... touch pad, 14 ... printer, 16 ... card reader, 101 ... Processor, 102 ... Memory, 103 ... Input / output interface, 104 ... Display controller.

Claims (6)

A reading unit that reads the card information from a card that stores the card information related to payment as magnetic information.
An acquisition unit that acquires information indicating that an IC chip is mounted from the card information read by the reading unit, and an acquisition unit.
When the acquisition unit acquires information indicating that the IC chip is mounted, the notification unit notifies the card handler that the card is a card on which the IC chip is mounted.
A card processing device comprising. When the acquisition unit acquires information indicating that the IC chip is mounted, the display unit displays items necessary for confirming the validity of the card to the card handler.
The card processing apparatus according to claim 1, further comprising. The reception unit that receives the confirmation result of the card handler for the items displayed on the display unit,
2. The card processing apparatus according to claim 2. The card processing apparatus according to claim 3, wherein there are a plurality of the items, and when the reception unit receives a confirmation result indicating that the validity of one item has been confirmed, the display unit displays the next item. .. The information indicating that the IC chip is mounted is the information according to any one of claims 1 to 4, which is stored in the magnetic stripe of the card as magnetic information in the card in which the IC chip is incorporated. Card processing device. From a card that stores card information related to payment as magnetic information to a computer of a card processing device equipped with a reading unit that reads the card information.
A function of acquiring information indicating that an IC chip is mounted from the card information read by the reading unit, and
A function of notifying a card handler that the card is a card equipped with an IC chip when information indicating that the IC chip is mounted is acquired.
Control program to realize.

Images