KR102048964B1 - Apparatus and method for multi card patment - Google Patents

Abstract

According to an aspect of the present invention, a multi-card payment device inserts a card into a payment device only enough to secure a card when paying an IC card, and inserts the card in full depth when paying an MS card. It has a selection button and a stopper for selecting the insertion depth. It can be used as a terminal for exclusive use of IC card payment for the IC card that generates most payments, and can be used as a magnetic card payment terminal through a selection button and a stopper only for some magnetic payments.

Description

Multi-card payment device and payment method {APPARATUS AND METHOD FOR MULTI CARD PATMENT}

The present invention relates to a card payment device, and more particularly, to a multi-card payment device that can be paid together with the IC card and the magnetic card.

In general, a card payment device recognizes information of a magnetic stripe (MS) card and an integrated circuit (IC) card to process a payment, and IC cards are rapidly spreading due to various advantages, but until now, MS cards have been mixed and used. Cards that have both IC chips and magnetic strips on a single card can be used for payment in two ways: In the case of a buried payment terminal among card payment terminals, it is difficult to protrude the terminal. There is no choice but to take a payment by inserting from the front.

Currently, most payments are made with IC cards, and only a few payments are made with MS Cards. Unlike IC cards where payment is made only by touching the IC chip located on the surface of the card, magnetic cards have to read the magnetic strip from one end to the other end, so that the magnetic head protrudes out of the slot or the card is completely inserted into the slot. It is supposed to be read out later.

However, the process of completely inserting and removing the card into the inlet port causes inconvenient operation. In particular, a fully inserted card makes the operation much more inconvenient as the user has very little space to hold the card. In addition, since most card payment devices support both the IC card and the magnetic card at the same time, the reader module for reading the IC chip of the IC card is also installed based on the position where the card is completely inserted into the insertion slot. The card must be fully inserted into the slot and suffer the same inconvenience as when unreasonably paying for the magnetic card.

Republic of Korea Utility Model 20-2010-0456921

The problem to be solved by the present invention is a reader for the IC card only when the payment of the IC card using a large number of users, even if the payment of the magnetic card with a small number of payments is relatively inconvenient to use, even when the payment frequency is much higher. It is to provide a multi-payment device that provides the same usage environment as when used.

According to an aspect of the present invention, a multi-card payment device inserts a card into a payment device only enough to secure a card when paying an IC card, and inserts the card in full depth when paying an MS card. It has a selection button and a stopper for selecting the insertion depth.

The multi-card payment apparatus according to an aspect waits in a state in which a stopper installed in the slide groove into which the card is inserted protrudes to a position blocking the extending direction of the slide groove to prevent the card from being completely inserted. In this state, the IC card payment, which most of the payment takes place, is made without the card completely inserted. When the selection button is pressed, the stopper is moved out of the position blocking the extension direction of the slide groove, and the inserted card is completely inserted so that the magnetic card payment can be made.

The selection button may be mechanically connected to the stopper and operated through an electrical device. The stopper includes a control unit including a microprocessor and a memory for storing control programs and data executed on the microprocessor, and a blocking device and an actuator moving to block or open the extending direction of the slide groove. The control program of the controller detects the input of the selection button and drives the actuator to open the blocking opening when it is input. The card inserted through the opening of the block is completely inserted to enable the payment of the magnetic card.

According to another aspect, the multi-card payment apparatus waits in the IC card payment mode, and if the IC card information reading fails during the IC card payment process, the control program of the control unit drives the actuator so that the blocking device may extend the slide groove. Out of the blocking position, the inserted card is inserted completely so that the magnetic card payment is made.

Although the proposed multi-card payment device is relatively inconvenient for payment of magnetic cards with few users, the IC card reader can be used for the payment of IC cards with high frequency of payment. It provides the same usage environment as when using. Therefore, the user can conveniently make a payment by inserting only a portion necessary for payment instead of the entire card, such as an IC card reader for most payments, and select only a very rare frequency of magnetic card payment through the button You can proceed with the payment.

1A is a perspective view of a multi-card payment apparatus according to an embodiment of the present invention.
1B is a diagram illustrating an IC card payment mode state of a multi-card payment device according to an embodiment of the present invention.
1C is a diagram illustrating a magnetic card payment mode state of a multi-card payment device according to an embodiment of the present invention.
1D is a diagram illustrating magnetic card recognition in the magnetic card payment mode of the multi-card payment apparatus according to an embodiment of the present invention.
2 is a block diagram of a multi-card payment apparatus according to another embodiment of the present invention.
3 is a flowchart illustrating a multiple card payment method according to an embodiment of the present invention.
4 is a flowchart illustrating a multiple card payment method according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Terms and words used herein are terms selected in consideration of functions in the embodiments, and the meaning of the terms may vary according to the intention or custom of the invention. Therefore, the terminology used in the embodiments to be described later, according to the definition when specifically defined in the present specification, if there is no specific definition should be interpreted as meaning generally recognized by those skilled in the art.

1A to 1D are diagrams illustrating a multiple card payment apparatus according to an embodiment of the present invention.

1A is a perspective view of a multi-card payment apparatus according to an embodiment of the present invention.

1B is a diagram illustrating an IC card payment mode state of a multi-card payment device according to an embodiment of the present invention.

1C is a diagram illustrating a magnetic card payment mode state of a multi-card payment device according to an embodiment of the present invention.

1D is a diagram illustrating magnetic card recognition in the magnetic card payment mode of the multi-card payment apparatus according to an embodiment of the present invention.

As shown, the multi-card payment device 100 according to an embodiment of the body 110, the magnetic head 120, the IC card reader 130, the stopper 140 and the selection button ( 150). The body part 110 has an inlet 112 through which a card is inserted and a pair of slide grooves 111 extending in the depth direction from the left and right of the inlet 112 and facing the side of the card. The inlet 112 is perforated in front of the buried card terminal body in accordance with the width of the card (10). Slide grooves 111 extending in the depth direction to guide the side of the card with a margin up and down on the left and right of the inlet 112 is installed as a separate module in the body portion (110).

The magnetic head portion 120 is installed at the inlet 112 side to approach the magnetic strip 210 of the card inserted into the body portion 110 at a first depth, and reads the magnetic strip of the magnetic card. The magnetic head part 120 reads the magnetic strip 11 of the card 10 according to the sliding operation when the card 10 fully inserted up to the first depth of the slide groove 111 is discharged to the outside and the magnetic head 11 reads the magnetic strip 11. Obtain card information. At this time, the magnetic head portion 120 is installed in close contact with the inlet 112 to read all from one end to the other end of the magnetic strip (11).

The IC card reader 130 is installed at a position corresponding to the IC chip 220 of the card 10 inserted into the body 110 at a second depth shallower than the first depth, and reads the IC card information. . That is, the IC card reader unit 130 is positioned to be spaced apart from the first depth of the slide groove 111 in the direction of the inlet 112. The corresponding position where the IC card reader 130 is installed may vary depending on the IC chip position specification of the card circulating in the market.

The selection button 150 selects an operation of the stopper 140 and is used by a user to select a card payment method of the multi-card payment device 100. The user may select whether to pay the IC card or the magnetic card through the operation of the selection button 150. The select button 150 is located on the surface of the body portion 110. As one example, the select button 150 may be located on the upper surface of the body portion 110 or the front portion. In addition, the selection button 150 may have, for example, a form of a button protruding outwardly, a button pressed inwardly, a lever shape reciprocating at a predetermined angle, and the like. Position and shape of the selection button 150 is not limited to the above-described form, the position and the shape of the button can be freely modified according to the design.

The stopper 140 is installed to protrude in a position blocking the extension direction of the slide groove to limit the insertion depth of the card 10 inserted into the body portion 110 to the second depth, the body when the selection button 150 is pressed The card 10 to be inserted into the unit 110 operates to be out of the position blocking the extension direction of the slide groove 111 so that the card 10 can be inserted to the first depth. In one embodiment, the stopper 140 and the selection button 150 is mechanically connected so that when the selection button 150 is pressed, the stopper 140 rises to intercept the slide groove 111 of the inlet 112 to deepen the card. Prevent insertion When the selection button 150 is released, the stopper 140 returns to its original position by the force of the elastic member such as a spring.

According to one aspect, the multi-card payment device 100 reads the IC card information through the IC card reader unit 130 in contact with the IC chip 12 of the card 10 inserted to the second depth Magnetic card payment for reading the magnetic card information through the magnetic head portion 120 in contact with the magnetic strip 11 of the card 10 during the payment mode and the card 10 inserted to the first depth is discharged to the outside Mode is supported. The multi-card payment apparatus 100 switches the IC card payment mode and the magnetic card payment mode through whether the stopper 140 protrudes. In this case, the payment setting of the multi-payment card device 100 may be based on the IC card payment mode in consideration of the fact that most customers use the IC card.

In the IC card mode, which is the default setting, the multiple payment card device 100 protrudes the stopper 140 so that the card 10 is inserted only to the second depth. Then, the IC card information is acquired through the IC card reader unit 130 in contact with the IC chip 12 of the card 10 inserted to the second depth, and the obtained IC card information is used for card settlement and approval.

In the case of the magnetic card, the stopper 140 moves out of the position blocking the extension direction of the slide groove 111 by switching to the magnetic card payment mode through the user's selection button 150. The multi-payment card device 100 reads the magnetic strip 11 of the card 10 through the magnetic head 120 when the card 10 inserted to the first depth by the user is discharged to the outside. The card information is acquired, and the obtained magnetic card information is used for card settlement and authorization.

Through such a configuration, in the multi-card payment apparatus 100, since the card 10 is inserted only to the second depth in most cases when the payment is made by the IC card, a part of the card 10 is exposed to the outside of the body 110. The card payment can be made convenient by the card holding. On the other hand, the payment inconvenience can be minimized because the card 10 to be inserted only to the first depth to pay only in case of payment with some magnetic card.

2 is a block diagram of a multi-card payment apparatus according to another embodiment of the present invention. As shown in FIGS. 1A to 2, according to the second aspect, the multi-card payment apparatus 200 may include a body part (not shown), a magnetic head part 220, an IC card reader part 230, and a stopper 240. And a select button 250.

The stopper 140 may be electrically driven. In another embodiment to which the second aspect is applied, the stopper 140 includes a controller 243, an actuator 242, and a shutoff 241. The control unit 243 includes a microprocessor and a memory for storing control programs and data executed in the microprocessor. The control program may include a magnetic card mode driving program code block for driving the actuator 242 to fix the block 241 to the second position when the control program detects an input of the selection button 250.

The shutoff opening 241 moves between a first position that opens the slide groove extending direction and a second position that opens. The blocking opening is fixed at a first position that blocks the extending direction of the slide groove, and blocks the card inserted into the slide groove through the insertion opening only to the second depth and enters the first depth.

The actuator 242 drives the shutoff 241 between the first position and the second position. The actuator 242 may move the blocking opening 241 to the first position blocking the slide groove or move the blocking opening to the second position opening the slide groove 111 according to the control program of the controller 243. have. The actuator 242 may be a motor, a piezoelectric element, or the like that is generally used. However, the actuator 242 is not limited to the motor and the piezoelectric element, and may include all the actuator configurations capable of driving the shutoff port 241.

In the multi-card payment apparatus according to the third aspect, the control program of the control unit 243 is an automatic return program code for the control unit driving the actuator to return the block to the first position when the multi-card payment apparatus 200 succeeds in payment. It may include a block. The multi-card payment apparatus 200 according to an aspect operates in the IC card payment mode in a basic state. Therefore, the control program of the control unit 243 opens the block 241 through the actuator 242 to proceed with the payment of the magnetic card, the actuator 242 through the automatic return program code block block 241 Returns to the first position again to return to the IC card payment mode. Through this, the user 30 may use the multi-card payment device 200 in the IC card payment mode without any operation after paying the magnetic card.

In the multi-card payment apparatus according to the fourth aspect, when the control program of the control unit 243 fails to read the IC card information through the IC chip of the IC card when the IC card payment is attempted through the IC card reader 230. The controller 243 may include an automatic mode switching program code block for driving the actuator 242 to fix the block 241 to the second position. Reading of the IC card information may fail due to various reasons such as IC damage of the IC card or malfunction of the IC card reader 230. At this time, the control program of the control unit 243 automatically switches to the magnetic card payment mode through the automatic mode switching program code block, so that the user 30 may proceed with the payment in the magnetic card mode without any operation even if an error occurs in the IC card payment. . In particular, since most cards currently being used are a mixed type card having both an IC chip and a magnetic strip, the user 30 simply inserts the card 10 inserted to the second depth up to the first depth. You can proceed with payment.

In the multi-card payment apparatus according to the fifth aspect, if the control program of the controller 243 fails to read the IC card information through the IC card reader 230, the IC card reader 230 is deactivated and the magnetic head unit is deactivated. The method may further include an automatic mode switching program code block for activating 220. If the reading of the IC card information fails, the control program of the controller 243 opens the block 241 through the automatic mode switching program code block, and switches to the magnetic card payment mode for making payment through the magnetic strip. At this time, the IC 200 and the IC of the card 200 are discharged to the outside to read the magnetic strip on the magnetic head 220 or the card 200 enters the first depth from the second depth. Incorrect information reading may occur due to contact of the card reader 230. In order to prevent such a malfunction, the control program of the controller 243 deactivates the IC card reader 230.

In the multiple card settlement apparatus according to the sixth aspect, the stopper 240 may further include a notification unit 244. If the control unit 243 fails to read the IC card information through the IC card reader unit 230, the control unit 243 fixes the block 241 to the second position to switch to the magnetic card payment mode. I can send it to 30. The notification unit 244 may transmit the switch to the magnetic card payment mode to the user 30 to induce the user 30 to further insert the card 10 from the second depth to the first depth. The notification unit 244 may transmit the fact that the magnetic card payment mode is switched to the user 30 through at least one means of a voice message, a text message, a notification sound, and a lamp notification. To this end, the notification unit 244 may include a buzzer or a speaker for transmitting a notification sound or a voice message, may include a display for displaying a text message or an error screen, and include a lamp for emitting a light signal. can do.

In the multiple payment card apparatus according to the above-described various aspects, the magnetic head unit 220, the IC card reader unit 230, the selection button 250, and the body unit (not shown) are the same as the inventions illustrated in FIGS. 1A to 1D. Detailed description is omitted for the configuration.

3 is a flowchart illustrating a multiple card payment method according to an embodiment of the present invention.

According to the drawing, in the multiple card payment method according to an aspect, the selection button monitors whether an input is generated by a user's operation (S301), and determines whether the selection button is input (S302). In the multi-card payment method according to an aspect, the IC card payment mode waits in consideration of the payment for a popularly distributed IC card. In the IC card payment mode, the stopper operates to the first position so that the inserted card is inserted only to the second depth.

If there is no selection button input, the IC chip of the card inserted into the second depth is read (S303). When the card is inserted to the second depth into the inlet in the IC card payment mode, the IC card information is read from the IC chip of the card inserted through the IC card reader. In the IC card payment mode, the card is inserted only to the second depth by the stopper so that the IC card reader unit contacts the IC chip of the IC card to obtain IC card information. The card is settled based on the IC card information obtained from the IC chip (S305).

If it is confirmed in step S302 that the selection button is pressed, the magnetic switch to the card payment mode (S306). In the IC card payment mode, the card is not inserted to the first depth by the stopper protruding to the first position in the slide groove. And the card is inserted to open the stopper for the magnetic card payment to be inserted to the first depth of the body portion (S307). When the stopper is opened, the card is further inserted by the user from the second depth to the first depth, and the magnetic strip of the card inserted into the first depth is read (S308). When the magnetic card information is read from the magnetic strip of the card, payment of the card is performed based on the read magnetic card information (S305).

Since the method of acquiring the IC card information and the magnetic card information and opening the stopper has been described above with reference to FIGS. 1A to 2, detailed description thereof will be omitted.

4 is a flowchart illustrating a multiple card payment method according to another embodiment of the present invention.

According to the figure, the multi-card payment method according to another aspect is a payment method that automatically switches to the magnetic payment mode by detecting the error occurrence of the IC card payment in the multi-card payment method according to the aspect of FIG.

In the multiple card payment method according to another aspect, the selection button monitors whether an input is generated by a user's operation (S401), and determines whether the selection button is input (S402). In the multi-card payment method according to an aspect, the IC card payment mode waits in consideration of the payment for a popularly distributed IC card. In the IC card payment mode, the stopper operates to the first position so that the inserted card is inserted only to the second depth.

If the selection button is not input, if the IC card payment mode is maintained and the card is inserted to the second depth, the IC card information is read from the inserted IC chip (S403). In the IC card payment mode, the card is inserted only to the second depth by the stopper so that the IC card reader unit contacts the IC chip of the IC card to obtain IC card information. If the IC card information is normally acquired in step S403 and no error occurs, the card is settled based on the IC card information acquired from the IC chip (S405).

If the input of the selection button is confirmed in step S402, or an error occurs in step S404, the switch to the magnetic card payment mode (S406). In the IC card payment mode, the card is not inserted to the first depth by the stopper protruding to the first position in the slide groove. Therefore, by operating the stopper to the second position for the magnetic card payment to open the first depth (S407). The IC card reader unit is deactivated in order to prevent an error that may be caused by incorrect information being acquired by the contact of the IC chip and the IC card reader unit in the process of obtaining the magnetic card information by contacting the magnetic strip with the magnetic head (S408). When the stopper is opened and the IC card reader portion is deactivated, the card is further inserted by the user from the second depth to the first depth to read the magnetic strip of the card inserted into the first depth (S409). When the magnetic card information is read from the magnetic strip of the card, payment of the card is performed based on the read magnetic card information (S405).

The method of acquiring the IC card information and the magnetic card information, opening the stopper, and deactivating the IC card reader unit has been described above with reference to FIGS. 1A to 2, and thus a detailed description thereof will be omitted.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and various modifications possible by those skilled in the art within the scope of the technical idea of the present invention. It should be interpreted to cover examples. It is also intended that the claims cover such modifications.

100: multi-card payment device
110: body portion 120: magnetic head portion
130: IC card reader section 140: Stopper
150: selection button
10: Mixed Cards
11: magnetic strip 12: IC chip

Claims (8)

A body portion having a slot into which a card is inserted in a front surface thereof, extending in a depth direction from the left and right sides of the slot and having a pair of slide grooves facing the side of the card;
A magnetic head part installed in close contact with the inlet side so as to be close to the magnetic strip of the card inserted into the body part at a first depth through the inlet, and reading a magnetic strip of the magnetic card;
An IC card reader installed at a position corresponding to the IC chip of the card inserted into the body portion at a second depth shallower than the first depth through the inlet, and reading IC card information;
Selection button; And
It is installed to protrude in a position blocking the extending direction of the slide groove to limit the insertion depth of the card inserted through the insertion hole to the second depth, the card inserted into the body portion to the first depth when the selection button is pressed A stopper operative to deviate from a position blocking the extending direction of the slide groove so that it can be inserted;
Multi-card payment device comprising a. The method of claim 1, wherein the stopper is;
A shut-off port that moves between a first position and an opening second position that obstruct the extending direction of the slide groove;
An actuator for driving the blocking device between the first position and the second position;
And a memory for storing data and a control program executed on the microprocessor, and when the control program detects an input of a selection button and drives the actuator, the actuator locks the block to the second position. A control unit including a magnetic card mode driving program code block;
Multi-card payment device comprising a. According to claim 2, wherein the control program of the control unit;
The multi-card payment device further comprises an automatic return program code block for the control unit to drive the actuator to return the block to the first position when the payment is successful. delete According to claim 2, wherein the control program of the control unit;
And an automatic mode switching program code block for deactivating the IC card reader unit and activating the magnetic head unit if reading of the IC card information fails. The electronic device of claim 2, wherein the stopper comprises: a notification unit which transmits to the magnetic card payment mode when at least one of the IC card information reading fails through at least one of a voice message, a text message, a notification sound, and a lamp notification;
Multi-card payment device further comprising. delete delete

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