Near field communication terminal capable of loading card with money and method of operating the same

• US 10,229,397 B2
• Filed: 10/04/2011
• Issued: 03/12/2019
• Est. Priority Date: 10/04/2010
• Status: Active Grant

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: Lee, Dong Hyuk, Kim, Jin Woo, Yeo, Jun Su
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Asgari, Sima
• Application Number:
  US13/252,442
• Publication Number:
  US 20120089513A1
• Time in Patent Office: 2,716 Days
• Field of Search: 705 50-500
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Disclosed herein are an NFC terminal and a method of operating an NFC terminal. The NFC terminal includes an NFC unit and a payment unit. The NFC unit communicates with an external payment processing server. The payment unit pays for loaded money data while communicating with the payment processing server.

Claims

1. A Near Field Communication (NFC) terminal, comprising:

an NFC unit which communicates with an external payment processing server;

a payment unit which stores universal subscriber identity module information and credit card information of a user;

a memory;

a control unit, which;

receives the credit card information and the universal subscriber identity module information, from the payment unit;

sends the credit card information, the universal subscriber identity module information, and a request for money data, via the NFC unit, to the external payment processing server;

receives the money data from the external payment processing server via the NFC unit;

stores the money data in the memory; and

transfers the money data from the memory to a card via the NFC unit.

2. The NFC terminal as set forth in claim 1, wherein the control unit further:

transfers the money data from the memory to a transportation card via near field communication by the NFC unit.

3. The NFC terminal as set forth in claim 1, wherein the universal subscriber identity module information includes a payment verification number, and wherein the control unit further:

requests the external payment processing server for the money data using the payment verification number.

4. The NFC terminal as set forth in claim 1, further comprising a loading button, which receives a user command, wherein the control unit further:

receives the user command from the loading button; and

requests the external payment processing server for the money data, based on the user command.

5. The NFC terminal as set forth in claim 4, further comprising a loading adjustment button, which receives an adjustment input from the user, wherein the control unit further:

receives the adjustment input from the adjustment button; and

requests the external payment processing server for the money data, based on the adjustment input.

6. A method of operating a Near Field Communication (NFC) terminal, comprising:

storing, by a payment unit of the NFC terminal, universal subscriber identity module information and credit card information of a user;

receiving, by a control unit of the NFC terminal, the credit card information and the universal subscriber identity module information, from the payment unit;

sending, by the control unit, the credit card information, the universal subscriber identity module information, and a request for money data, via an NFC unit, to an external payment processing server;

receiving, by the control unit, the money data from the external payment processing server via the NFC unit;

storing, by the control unit, the money data in a memory; and

transferring, by the control unit, the money data from the memory to a card via the NFC unit.

7. The method as set forth in claim 6, further comprising:

receiving, by a loading button of the NFC terminal, a user command;

receiving, by the control unit, the user command from the loading button; and

requesting, by the control unit, the external payment processing server for the money data, based on the user command.

8. The method as set forth in claim 6, further comprising:

receiving, by a loading adjustment button of the NFC terminal, an adjustment input from the user;

receiving, by the control unit, the adjustment input from the adjustment button; and

requesting, by the control unit, the external payment processing server for the money data, based on the adjustment input.