Method for loading money, an electronic device, and a system

• US 20030208446A1
• Filed: 08/29/2001
• Published: 11/06/2003
• Est. Priority Date: 09/04/2000
• Status: Abandoned Application

• Current Assignee: Nokia Mobile Phones UK Limited (Nokia Corporation)
• Original Assignee: Nokia Mobile Phones UK Limited (Nokia Corporation)
• Inventors: Janne, Uusilehto
• Application Number:
  US09/942,382
• Publication Number:
  US 20030208446A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/204 Loading of a stored value token using an ATM
• CPC Class Codes: G07F 19/208 Use of an ATM as a switch or hub

Abstract

The present invention relates to a method for loading money from money loading means (15) to money depositing means (1). In the method, money is deposited in electrical form. In the method, a loading condition is determined. Further in the method, a signal transmitted by the money loading means (15) is received, and said loading condition is examined. Thus, if the loading condition is fulfilled and if the signal transmitted by the loading means (15) can be received, money is loaded automatically.

Claims

1. A method for loading money from money loading means (15) to money depositing means (1), wherein money is deposited in electrical format, characterized in that in the method, a loading condition is determined, a signal transmitted by the money loading means (15) is received, and said loading condition is examined, wherein loading takes place automatically, if the loading condition is fulfilled and if the signal transmitted by the money loading means (15) can be received.

2. The method according to claim 1, characterized in that said loading condition used is a minimum sum, wherein in the method, the sum of money deposited in the money depositing means (1) is compared with said minimum sum, and loading takes place, if the deposited sum of money is smaller than said minimum sum.

3. The method according to claim 1 or 2, characterized in that said loading condition used is a maximum sum, wherein in the method, the sum of money deposited in the money depositing means (1) is compared with said minimum sum, and loading takes place, if the deposited sum of money is smaller than said maximum sum.

4. The method according to claim 1, 2 or 3, characterized in that in the method, also the sum of money to be loaded at each loading time is determined.

5. The method according to any of the claims 1 to 4, characterized in that in connection with the loading of money, an identification number is transmitted to the money loading means (15) for identification of the user.

6. The method according to any of the claims 1 to 5, characterized in that a cash card is used as the money depositing means (1).

7. The method according to any of the claims 1 to 6, characterized in that an automatic teller machine is used as the money loading means (15).

8. The method according to any of the claims 1 to 6, characterized in that a mobile communication network is used as the money loading means (15).

9. An electronic device (5) provided with money depositing means (1) comprising means (8) for setting up a data transmission connection to money loading means (1), and means (8, 10, 13) for loading money from the money loading means (15) to the money depositing means (1), characterized in that it comprises means (12) for determining a loading condition, means (13) for receiving a signal transmitted by the money loading means (15), and means (10) for examining the loading condition, wherein the loading is arranged to be performed automatically, if the signal transmitted by the money loading means (15) can be received and if said loading condition is fulfilled.

10. The electronic device (5) according to claim 9, characterized in that the means (13) for loading money comprise wireless communication means.

11. The electronic device according claims 9 or 10, characterized in that the money depositing means (1) comprise a cash card.

12. The electronic device (5) according to any of the claims 9 to 11, characterized in that it comprises an identification card for identifying the user of the electronic device, and that the money depositing means (1) are arranged in connection with said identification card.

13. The electronic device (5) according to any of the claims 9 to 12, characterized in that it comprises means for performing functions of a mobile station.

14. A system for loading money, comprising money loading means (15), money depositing means (1), an electronic device (5) provided with the money depositing means (1), means (8) for setting up a data transmission connection between the electronic device (5) and the money loading means (1), and means (8, 10, 13) for loading money from the money loading means (15) to the money depositing means (1), characterized in that the system comprises means (12) for determining a loading condition, means (20) for transmitting a signal from the money loading means (15), means (13) for receiving the signal transmitted by the money loading means (15), and means (10) for examining the loading condition, wherein the loading is arranged to be performed automatically, if the signal transmitted by the money loading means (15) can be received and if said loading condition is fulfilled.