JP2006099173A - Card processing apparatus and settlement processing method using transaction card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card processing apparatus and a settlement processing method that enable more reliable settlement processing in settlement processing using a transaction card.
A card processing device is provided with a magnetic reading unit and an image reading unit, acquires image data of a transaction card as necessary, and transmits the acquired image data to a checkout terminal. By printing the data on the store receipt 10, the image and signature of the transaction card used can be confirmed at a later date. In addition, the signed store receipt 10 is stored in the image storage unit 59 of the card reader so that it can be easily searched to facilitate the follow-up survey.
[Selection] Figure 5

Description

  The present invention relates to transaction processing using a transaction card such as a credit card, and more particularly, a card for issuing a slip or receipt for a store issued in a credit transaction (in this specification, simply referred to as “store receipt”). The present invention relates to a processing apparatus and a settlement processing method using a transaction card using the card processing apparatus.

  In supermarkets, other retail stores, or restaurants such as restaurants, the accounting process (payment processing) of purchased products or transactions of customers is a company that provides credit cards or products or services issued by credit card companies at the request of customers. The payment fee may be settled by a margin transaction using a company-dedicated transaction card issued by the company (in the present invention, such a margin transaction card is referred to as a “transaction card”). In such a case, the electronic record data recorded on the transaction card is read by the transaction card reader, and predetermined settlement processing by the transaction card is executed based on the read information.

  For payment using a transaction card, for example, payment using a credit card, the credit card is inquired according to certain conditions such as the amount of the payment, and if there is no problem with the transaction, the credit card number is printed by the printing device. A slip or receipt on which the details of the transaction, the signature column, etc. are printed is issued. After confirming the transaction content, the customer signs the signature column of the slip if there is no problem with the print content. The signed voucher or receipt is stored by the store for a predetermined period as proof of authenticity of the transaction.

  In such a settlement process using a credit card, there are cases where the electronically recorded data of the credit card cannot be read by the transaction card reader or the credit inquiry cannot be performed for some reason. Even in such a case, the operator can input the necessary credit information to continue the checkout process. In such a case, the card number printed on the credit card by uneven markings (referred to as “emboss”) is physically copied (transferred) onto a predetermined slip by an imprinter, It is stored as evidence (such a transfer is hereinafter referred to as “imprint”).

On the other hand, as a technique for mechanically reading an image of a card and creating a database as personal information and storing it, an information collecting system for reading an image of a driver's license and creating a database has been proposed (see Patent Document 1).
JP-A-9-62827

  However, although the technique described in Patent Document 1 acquires image data for acquiring personal information, it is necessary to improve the efficiency of credit card settlement processing by combining the functions of a magnetic reading device and a printer. Nothing is disclosed or suggested.

  On the other hand, the storage of the card data by imprint as described above transfers the embossed characters of the credit card (transaction card) on the transfer paper, so that the embossed characters may be worn or damaged. Moreover, in addition to the problem that imprint characters are unclear, the imprint operation is troublesome and generates an unpleasant and loud sound, which may damage the store image depending on the store where a certain level of silence is required such as a restaurant. There are also problems such as fear.

  Furthermore, recently, crimes of illegally stealing credit card information or credit card information of a specific individual, forging a credit card with the same electronic record data as the real thing, and using it illegally have occurred frequently. . Under these circumstances, it is desirable to retain documentation with the highest possible evidence to prove customer use. When debiting a credit transaction amount from a credit account, if the customer denies the use of his / her credit card (transaction card) and refuses payment, the margin transaction loss may occur if the evidence capacity of the store copy is low This is because it may occur. In view of such a situation, it is desirable to secure materials with higher evidence ability for the settlement with the transaction card.

  The present invention has been made in view of the above-described problems of the prior art, and is intended to issue a receipt for a shop credit with a high proof ability that can easily trace the settlement process and prove the authenticity of the transaction in the settlement process using a transaction card. It is an object of the present invention to provide a card processing apparatus and a payment processing method using a transaction card using the card processing apparatus.

  The present invention uses a card processing device having a transaction card reading function and an image reading function to read an image on the surface of a transaction card as necessary in addition to electronic record data of the transaction card, and store the read image data in a store copy. The above-described problem is solved by printing on a receipt for printing. As a result, the transaction card used can be confirmed from the store receipt, and since the customer's signature is also present in this, it is possible to have a high proof ability.

  A card processing device according to a first aspect of the present invention includes a communication unit that performs data communication with an external processing device, a transaction card reading unit that acquires electronic record data of a transaction card, and an imaging table based on an imaging command. An image reading unit that acquires image data of a subject placed on the control unit, and a control unit that performs overall control of each unit and controls the acquired electronic recording data and image data to be transmitted to an external processing device via a communication unit; It is characterized by providing.

  The card processing device according to this aspect includes not only a conventional transaction card reading unit but also an image reading unit, and can acquire image data as necessary. As an image reading element of the image reading unit, it is desirable to use an area sensor such as a CCD or a CMOS. This is because an image of an uneven surface such as emboss can obtain clearer image data by capturing from a position away from the subject.

  In the card processing device according to another aspect of the present invention, the imaging stand is provided on the front surface, and includes a glass surface inclined at a predetermined angle behind, and the image reading unit is placed on the glass surface. And an image reading unit disposed on the opposite side of the glass surface so that the focused subject is accurately focused. Thus, by providing the imaging stand in front and inclining backward, it becomes easy to place the transaction card, and the place of placement is easy to see, so that it can be placed accurately at a predetermined designated position. Become.

  The card processing device according to another aspect of the present invention is characterized in that the control unit performs control so as to permit acquisition of image data only when an electronic recording data reading error occurs. When reading of electronic recording data is normal, it is possible to prevent a reduction in the settlement processing speed by not performing image reading. On the other hand, in the case of an error in reading electronic record data, there is a high probability of a card number entry error, so the card number can be confirmed from the image data so that a more accurate tracking survey is possible. is there.

  A card processing device according to another aspect of the present invention is characterized in that an imaging command is output based on an output signal from a sensor that detects that a transaction card is placed on an imaging stand. According to this aspect, in addition to the imaging command from the payment terminal device, it is possible to start imaging even when a transaction card is placed on the imaging stand. Therefore, it is possible to adopt a configuration in which image data is acquired under the control of the payment terminal device, or a configuration in which the card reading device acquires image data independently. That is, it is possible to obtain a configuration in which image data can be acquired simply by placing a transaction card on the imaging stand. In the present embodiment, it is desirable that the imaging is started after a predetermined time has elapsed after receiving the detection signal from the sensor.

  The card processing device according to another aspect of the present invention further includes an operation input unit, and the imaging command is output based on an input signal from the operation input unit. After placing the transaction card on a predetermined imaging stand, an imaging signal is input by the operation input unit to start imaging. As a result, the imaging timing can be determined by the operator's operation.

  The printing apparatus according to another aspect of the present invention further includes a movement mechanism that moves the subject relative to the imaging element of the image reading unit, and the control unit includes a movement control unit that controls the movement mechanism, and the subject. And image synthesizing means for connecting a plurality of image data captured at different moving positions to one image data. In this aspect, image data of a large subject is acquired as a plurality of image data having the same resolution, and the acquired plurality of images are combined. Thereby, it is also possible to acquire an image of a long subject other than the transaction card, for example, a check or the like, by the card processing device.

  The printing apparatus according to another aspect of the present invention is characterized in that the moving mechanism moves an imaging stand on which a subject is placed. Thus, by moving the imaging stand itself, the position of the subject can be accurately controlled, and the positions of the subject and the imaging element can be controlled more accurately.

  In the printing apparatus according to still another aspect of the present invention, the moving mechanism moves the image reading element. By moving the image reading element in this way, it is possible to acquire image data of a long subject even with an image reading element with a small imaging area or a contact image sensor (CIS).

  A settlement processing method using a transaction card according to a first aspect of the present invention is a settlement system comprising a settlement terminal device, a printing device, a card processing device including a transaction card reading unit and an image reading unit. A step of reading the electronic record data of the transaction card by the reading unit; and (b) if the electronic record data is normally read, the read electronic record data is transmitted from the card processing device to the settlement terminal device, and the transaction card A step of performing a checkout process; and (c) when a reading error of the electronic record data occurs by the transaction card reading unit, a step of reading the image data of the transaction card by the image reading unit; and (d) a transaction card number A step of receiving an input; (e) a step of transmitting the read image data to a settlement terminal device or a printing device; and (f) a printing device. Issuing a store receipt printed with transaction details, image data, and a signature field; and (g) ending a checkout process using a transaction card upon receipt of a signed store receipt. It is characterized by providing.

  The settlement processing method using a transaction card according to another aspect of the present invention is characterized in that, instead of the step (d), (h) a step of decoding a transaction card number from image data is provided. Decoding and reading the transaction card number in the image data eliminates the need for the card number input operation by the operator.

By using the card processing device of the present invention, the customer's signature is made on the store receipt receipt on which the transaction card number, transaction details, and transaction card image data are printed at the time of payment. Together with the signature, it is possible to issue a shop certificate receipt with high proof power. Also, if the signature on the transaction card is also captured as image data and printed on the store receipt, and the customer's handwritten signature is written on the receipt, both signatures can be compared on the spot, It is possible to immediately identify whether or not the person is the person, and by leaving a record of both signatures, it is possible to obtain a store certificate receipt with higher proof power.

  Furthermore, since the image data is acquired without contacting the transaction card, there is no fear of the transaction card being worn or damaged, and clear image data including the card number can be acquired. Furthermore, it is possible to maintain the settlement process in a quiet environment without causing unpleasant noise such as imprinting. Furthermore, by using the card processing apparatus of the present invention, it is possible to execute the image reading process and the image printing process on the store receipt with only a slight modification of the conventional settlement system.

  The best mode for carrying out the present invention will be described with reference to the drawings.

(Credit checkout procedure using the store receipt for the present invention)
The present invention relates to the settlement with a transaction card, but in the following description, a case where a credit card, which is a typical example of a transaction card, is used will be described.
For example, when a meal is taken at a restaurant or a predetermined product is purchased at various stores, a checkout process is performed at a checkout counter (register). In the checkout counter, data input related to the provided service or purchase merchandise data input is performed, and the total payment amount of the customer is calculated based on the input data, and is delivered as a customer receipt by the printing apparatus.

  In the present invention, in the case of payment by credit card, the magnetic recording data recorded on the credit card is read by the magnetic recording reader (MSR), and further, if necessary, the credit card is read by the image reading unit. Image information can be acquired. Next, the store receipt is printed by the printing device and delivered to the customer. In the present invention, when an image of a credit card is acquired, in addition to transaction information (purchased product name, payment amount, etc.) and customer's signature column, etc. Image data is printed.

  The customer confirms the contents printed on the presented store receipt, and if there is no mistake, the customer signs his / her signature as a confirmation and returns it to the store. At the store, the signature written on the credit card is compared with the signature written on the receipt for the store copy to verify the identity. At this time, if the signature written on the credit card is also captured as image data and printed on the store receipt, the customer's handwritten signature will be made on the same receipt, so both signatures can be compared on the spot. Can be identified immediately.

  The signed store receipt is stored in a store or a management department for a predetermined period. These documents are used as documents that prove the existence of a transaction when there is an inquiry from a credit card company, a question from a customer about the use of a credit card, or a complaint. The receipt for the store according to the present invention is a sheet of paper in which the details of use and the image of the credit card used are integrated, and the customer's signature on the paper is signed. The actual situation can be traced more accurately, and the range confirmed by the signer can be proved more clearly.

  Such credit image data can be printed only when the magnetic recording data cannot be read, and the image data can be acquired and printed on the store receipt. In the credit transaction, it is also possible to issue a store receipt that prints image data. In the description of the embodiment of the present invention, an example in which the magnetic recording data of a credit card is read by a magnetic recording reader is described. However, in the case of a credit card in the form of an IC card, the recorded electronic data is not shown. It may be read by a contact type or non-contact type IC card reader.

(Example of receipts for store use)
First, FIG. 1 shows an embodiment of a store copy receipt 10 issued according to the present invention. A fixed store name and a telephone number 11 are printed on the top, and a purchaser's name, settlement date, and transaction data 12 are printed below. As the transaction data, the purchased product name “ABCDEFG” and its price, discount amount, consumption tax amount and total payment amount are exemplified. Further below that, an image 13 of the acquired credit card is printed, and a title column 14 with a line segment drawn at the bottom is provided. After confirming that there is no mistake in the printed contents, the customer signs as an intention to approve the payment process by credit card. In addition to these information, it is also possible to print information such as a credit card number and a receipt number.

  Although not shown in FIG. 1, a word indicating an intention indicating that “I want to pay the payment amount printed on this receipt with the credit card of the above image” is displayed immediately above the signature column 14. It is also possible to print (text). The signature written on the credit card at the upper part of the signature field 14 can also be captured as image data and printed. The store receipt according to the present invention is characterized by comprising a credit card image, and for print items other than the credit card image, printing required in individual stores or the like that implement the present invention. Items can be freely added or deleted.

  For example, by attaching the same serial number to the store receipt and linking the store receipt, it is possible to describe only the total payment amount on the store receipt. Although the ability to prove transaction details will decline, if there are many transaction items (purchased products) at stores such as supermarkets, the receipt for store coupons will not fluctuate significantly depending on transaction details, and store receipts Can be stored easily.

(Example of system configuration for issuing store receipts)
FIG. 2 is a functional block diagram showing an example of a store system for executing a settlement process method using a transaction card using the printing apparatus 30 according to the present invention. In the example of FIG. 2, an example of a POS system including a POS server and a POS terminal device is shown, but the present invention can be applied even to a stand-alone payment terminal device.

  The POS server 21 may be connected to a POS center management system that manages a plurality of stores or sales floors. A POS terminal device 22 is connected to the POS server 21 as a settlement terminal device. In response to a request from the POS terminal device 22, price information of purchased products is provided, and inventory information and sales information are immediately available at the time of sale. Update to The POS terminal device 22 includes a key input device, a barcode scanner, a display device, and the like (not shown). The POS terminal device 22 is further connected with a printing device 23 and a card processing device 30 according to the present invention. The card processing device 30 includes a magnetic reading unit 24 and an image reading unit 25 that acquires image data of a credit card.

  The CAT terminal 26 is an inquiry terminal for confirming the credit status of the credit card online, and is connected to the POS system to make a credit inquiry based on the credit card number from the POS system, or It can also be used as an independent inquiry terminal separately from the POS system. The CAT terminal 26 is normally used to check the credit card credit status when the settlement amount is equal to or greater than a predetermined amount.

  The settlement process procedure in FIG. 2 will be briefly described. For example, when a customer purchases a predetermined product in a supermarket, the bar code attached to the product is read by the POS terminal device 22 by a bar code scanner, and the name of the purchased product based on the read bar code data, Product information such as price data is input as transaction information. Connected to the POS terminal device 22 is a card processing device 30 including a printing device 23, a magnetic reading unit 24, and an image reading unit 25. Based on the input data, the printing device 23 prints the customer receipt, the store receipt 10 and the like on a print sheet, a slip sheet, or the like.

  The magnetic reading unit 24 of the card processing device 30 reads the magnetic recording data recorded on the credit card by sliding the credit card along a predetermined guide groove. The image reading unit 25 includes an area sensor made of, for example, a CCD or a CMOS, acquires image data (image data) on the credit card surface, and stores it as electronic data. Although CIS can be used as the image reading means, in the case of CIS, since it may be difficult to obtain a clear image of the embossed characters, the non-contact type image reading means as described above may be used. desirable.

  3 and 4 show a card processing apparatus according to an embodiment of the present invention. 3 is a perspective view of the card processing device 30, and FIG. 4 is a central longitudinal sectional view thereof. The card reader 30 has an image reading function in addition to a magnetic reading function. Therefore, the card processing device 30 includes a magnetic reading unit 24 and an image reading unit 25, and the magnetic reading unit 24 includes a reading groove 31 for sliding a credit card. Inside the reading groove 31 is provided a magnetic reading head 33 for reading the magnetic recording on the credit card (see FIG. 4).

  The image reading unit 25 is provided with an imaging stand 32 provided with a flat plate having translucency close to transparency, such as glass, on the front. The imaging stand 32 is inclined upward and obliquely upward. When acquiring a credit card image, the credit card 70 (see FIG. 4) is placed on the imaging base 32 with the surface to be imaged down, and imaging is performed. The imaging stand 32 is provided with a support guide 35 for supporting the credit card 70.

  On the back side of the imaging stand 32 (inside the image reading unit 25), an area sensor 38 (see FIG. 4) such as a CCD or C-MOS is provided as an imaging element, and the image data of the credit card 70 is acquired. Can do. In addition, it can also comprise so that an image acquisition may be performed by CIS by comprising the back side of the glass surface of the imaging stand 32 so that CIS may contact and move (not shown). Further, by using the reflecting mirror 37, the outer size of the card processing device 30 can be made compact.

  Even if the credit card 70 is configured to start imaging by providing the imaging switch 36 and pressing the imaging switch 36, a sensor (not shown) indicates that the credit card 70 is set on the imaging table 32. The image may be automatically captured after a predetermined period has elapsed after detection. The read image data is temporarily or long-term stored in the image storage unit in the card processing device 30. The read image data is transmitted to the payment processing terminal device 22 such as a POS terminal device or the printing device 23 and printed on the store receipt.

  Further, the store receipt 10 that has been signed by the customer is placed on the imaging stand 32, the store receipt 10 after the signature is imaged, and the captured image data is stored in a searchable manner. Is also possible. In this case, the acquired image data may be stored in the checkout terminal device or any other device, but it is preferable to store in the terminal device operating on a general-purpose OS from the viewpoint of security. Absent. Therefore, it is desirable to store the data in the card processing device 30 that operates with its own specifications. It is also preferable to capture and print the signature written on the credit card as image data and to capture the store receipt receipt 10 on which the customer's signature has been made.

  FIG. 5 shows a functional block diagram of the card processing device 30 shown in FIGS. The card processing device 30 includes an interface 51 with an external device such as a payment terminal device 22, a control unit 52, a magnetic reading unit 24, and an image reading unit 25 including an area sensor. Moreover, the moving mechanism 60 which moves the imaging stand 32 can be provided as needed.

  The control unit 52 includes a main control unit 53 that controls the overall operation of the card processing device 30, a magnetic recording control unit 54, an image reading control unit 55, and the like. Further, when the moving mechanism 60 is provided, the moving mechanism control unit 56 and the composition processing unit 57 that combines a plurality of images are provided. Furthermore, a decoding processing unit 58 that reads (decodes) the transaction card number from the image data can be provided.

  As shown in FIG. 5, the card processing device 30 is connected to and communicates with a payment terminal device such as a POS terminal device via an interface 51. Data read by the magnetic reading unit 24 is transmitted to the payment terminal device 22 via the control unit 52 and the interface 51. The image reading unit 25 images the credit card 70 placed on the imaging stand 32 under the control of the image reading control unit 55 and acquires image data of the credit card 70. The acquired image data is temporarily stored in the image storage unit 59. The image data is transmitted to the checkout processing terminal 22 or the printing device 23 via the interface 51 and printed on the store receipt.

  Further, the image data of the store receipt after signing can be stored in the image storage unit 59 so as to be searchable and searchable by being read by the image reading unit 25. To store in a searchable manner, for example, store the store image so that the corresponding image data can be detected and read out using the store receipt number, credit number, date and customer name as search keys. Say. The image storage unit 59 may be a memory such as a so-called RAM or flash ROM, or may be a disk device or a recording device such as a DVD. Further, as described above, from the viewpoint of security, it is preferable to store these image data in the printing apparatus, but it is also possible to store them in the payment terminal apparatus and other apparatuses.

  FIG. 6 shows an example of the moving mechanism of the imaging stand. FIG. 6A shows a state in which a long check 72 is placed on the imaging stand 61. The imaging base 61 is configured to be movable left and right, and a locking portion 62 fixed to one end of the rotating belt 63 is provided at the lower left end of the imaging base 61. When either the pulley 64 or 65 is driven to rotate left and right by a motor (not shown), the rotating belt 63 rotates and the locking portion 62 moves to the left and right. Thereby, the imaging stand 61 can be moved right and left between FIG. 6A and FIG. 6B by rotating the pulley 64 or 65 left and right. It should be noted that a projection is provided at a predetermined position of the imaging stand 61, and the projection is detected by a position detection sensor (not shown) fixed at the predetermined position, whereby imaging is performed based on the detection signal of the projection position. The moving position of the table 61 can be controlled.

  In contrast to FIG. 6, the imaging stand 61 can be fixed and the area sensor 38 can be moved left and right. For example, the area sensor 38 is attached to the locking portion 62 fixed to one end of the rotating belt 64. In this state, when either the pulley 64 or 65 is driven to rotate left and right, the rotating belt 64 rotates left or right, and the area sensor 38 attached to the locking portion 62 moves left and right according to the rotation direction of the belt 63. Moving. The movement amount of the area sensor 38 can be controlled by providing a protrusion at a predetermined position of the area sensor 38 and detecting the protrusion with a position detection sensor (not shown). In any case, the area sensor 38 may be a CIS.

(Procedure for issuing store receipts)
Next, a procedure for issuing a store receipt will be described using a flowchart. FIG. 7 is a flowchart showing an embodiment of a processing procedure for performing a settlement process using a credit card according to the present invention using various apparatuses as shown in FIG.

  In restaurants, beauty massages, etc., after the provision of various services, at a retail store or the like, the customer brings the purchased product to the checkout counter, thereby starting the checkout process. In the settlement counter, transaction data such as the name and price of the provided service or purchased product is input to the settlement terminal device by a barcode scanner or a key input device (S101). In the case of payment by credit card, the magnetic reading data of the credit card received from the customer is read by the magnetic reading unit 24 of the card processing device 30 (S102).

  When the magnetic recording data can be read and when the credit card is not placed on the imaging stand 32 (S103; No), a credit check (block 81) is performed as necessary. If there is no problem with the credit (S106; Yes), a store receipt receipt on which a credit card image is not printed is printed and issued.

  When a magnetic recording reading error or a card is placed on the imaging stand 32 (S103; Yes), image data acquisition (S108) and credit card number key input (S109) are performed. When the acquisition of image data and key input are completed (S108, S109), a credit check (block 81) is performed as necessary. If there is no problem with the credit (S112; Yes), the image data is transmitted to the checkout processing terminal or the printing apparatus, and a store receipt receipt on which the image of the credit card is printed is issued (S113).

  When a credit check is performed (S104; Yes, 110; Yes), a credit inquiry is performed to the credit confirmation system online via the CAT terminal 26 or the like (S105, S111). If there is a problem with the credit status of the credit card as a result of the credit inquiry (S106; No, S112; No), the transaction with the credit card is canceled (S115).

When the credit check is not performed (S104; No, S110; No), depending on whether or not the magnetic recording data can be read, the store receipt with no credit card image printed or the store copy with the image data printed. A receipt is issued (S107, S113). When the customer confirms the contents of the store receipt and signs it, the settlement terminal confirms the settlement process, issues a customer receipt (S114), and is in a standby state for performing the next settlement process. It becomes.

  In this example, a configuration is shown in which a checkout process and a receipt are issued after the customer's signature is completed. However, after the credit check is completed (S106; Yes, S112; Yes), or after the credit check is unnecessary (S104; No, S110; No) It is also possible to execute the checkout process immediately and continuously output the store receipt 10 and the customer receipt. At that time, the order of receipt output may be any first, and it may be configured to print the receipt for the store after the receipt for the customer is printed first.

FIG. 8 is a flowchart showing another embodiment of a processing procedure for performing a settlement process using a credit card according to the present invention.
In this embodiment, a store receipt for printing image data is issued in all processes regardless of whether or not the magnetic recording data of the credit card can be read. The only difference from FIG. 7 is that if a magnetic recording data reading error occurs (S203; Yes), the card number is input (S210), and the image of the credit card is printed on all store receipts. (S208). In this case, instead of inputting the card number, the card processing device 30 may decode the transaction card number from the image data.

  In both FIG. 7 and FIG. 8, the credit check block 81 can be omitted.

FIG. 1 is a diagram showing an example of a store receipt issued by the processing procedure of the present invention. It is a functional block diagram which shows an example of the store system for implement | achieving the payment processing method by the transaction card using the card processing apparatus concerning this invention. It is a perspective view which shows the card reader concerning one Example of this invention. It is a center longitudinal cross-sectional view of the card reader shown in FIG. FIG. 4 is a functional block diagram of the printing apparatus shown in FIG. 3. It is the schematic which shows an example of the moving mechanism of an imaging stand. It is a flowchart which shows one Embodiment of the process sequence which performs the clearing process by the transaction card concerning this invention. It is a flowchart which shows other embodiment of the process sequence which performs the clearing process by the transaction card concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Store receipt 12 Transaction data 13 Credit card image 14 Signature column 24 Magnetic reading unit 25 Image reading unit 30 Card processing device 31 Reading groove 32, 61 Imaging stand 33 Magnetic reading head 35 Support guide 36 Imaging switch 37 Reflecting mirror 38 Area sensor 62 Locking part 63 Rotating belt 64, 65 Pulley 70 Transaction card 72 Check

Claims (11)

A communication unit that performs data communication with an external processing device;
A transaction card reader for obtaining electronic record data of the transaction card;
An image reading unit for acquiring image data of a subject placed on an imaging table based on an imaging command;
A control unit that performs overall control of each unit and controls the acquired electronic recording data and the image data to be transmitted to the external processing device via the communication unit;
A card processing device comprising:   The imaging stand is provided on the front surface and includes a glass surface that is inclined at a predetermined angle to the rear, and the image reading unit accurately focuses on a subject placed on the glass surface. The card processing device according to claim 1, further comprising an image reading unit disposed on the opposite side of the glass surface.   3. The card processing apparatus according to claim 2, wherein the control unit performs control so as to permit acquisition of the image data only when an electronic recording reading error occurs.   The card processing apparatus according to claim 3, wherein the imaging command is output based on an output signal from a sensor that detects that the transaction card is placed on the imaging stand.   The card processing device according to claim 4, further comprising an operation input unit, wherein the imaging command is output based on an input signal from the operation input unit.   Furthermore, a movement mechanism that moves the subject relative to the image sensor of the image reading unit is provided, and the control unit includes a movement control unit that controls the movement mechanism, and a plurality of images obtained by imaging the subject at different movement positions. 6. The card processing device according to claim 1, further comprising: an image compositing unit that connects the two images to one image.   The card processing device according to claim 6, wherein the moving mechanism moves an imaging stand on which the subject is placed.   The card processing apparatus according to claim 6, wherein the moving mechanism moves an image sensor of the image reading unit. In a settlement system comprising a settlement terminal device, a printing device, a card processing device comprising a transaction card reader and an image reader,
(A) reading the electronically recorded data of the transaction card by the transaction card reading unit;
(B) when the electronic record data is normally read, transmitting the read electronic record data from the card processing device to the settlement terminal device, and performing a settlement process with a transaction card;
(C) a step of reading image data of a transaction card by the image reading unit when an error occurs in reading the electronic record data by the card reading unit;
(D) receiving an input of a transaction card number;
(E) transmitting the read image data to the settlement terminal device or the printing device;
(F) issuing a receipt for a store copy printed with transaction contents, the image data, and a signature section by the printing device;
(G) ending the checkout process with a transaction card when receiving the signed store receipt,
A settlement processing method using a transaction card.   10. The store receipt issuing method according to claim 9, wherein in the step (c), the image data of the transaction card is acquired and printed regardless of the reading result of the electronic record data. In place of the step (d),
(H) The transaction card settlement method according to claim 9, further comprising a step of decoding the transaction card number from the image data.

Images