Methods, systems, and devices for loading currency into an electronic wallet

Patent metadata

Field	Value
Publication number	US-11620638-B2
Application number	US-201715798861-A
Country	US
Kind code	B2
Filing date	Oct 31, 2017
Priority date	Oct 31, 2017
Publication date	Apr 4, 2023
Grant date	Apr 4, 2023

Abstract

Various methods, systems, and devices for loading currency into an electronic wallet are provided. In general, a currency acceptance terminal can be configured to accept currency from a user for loading into the user's electronic wallet, which may be used to purchase products from a merchant. The currency acceptance terminal can be unmanned such that the currency can be accepted and loaded into the electronic wallet without a cashier or other employee handling the currency or the currency acceptance terminal.

First claim

What is claimed is:

1. A payment management system, comprising:
a currency acceptance terminal configured to receive currency in association with an electronic wallet of a user that stores monetary value usable for purchase of at least one of goods and services from a merchant;
a mobile terminal that is separate from and external to the currency acceptance terminal; and
a fuel dispenser, the fuel dispenser being separate from and external to the currency acceptance terminal, the mobile terminal, and an electronic wallet management system, wherein:
the currency acceptance terminal is configured to transmit data indicative of a monetary amount of the received currency to the mobile terminal;
the mobile terminal is configured to transmit data indicative of the monetary amount to an electronic wallet management system that manages a plurality of electronic wallets including the electronic wallet of the user, the electronic wallet management system being separate from and external to the currency acceptance terminal and the mobile terminal;
the mobile terminal is configured to receive data from the electronic wallet management system indicative of the stored monetary value of the electronic wallet of the user and to transmit the data indicative of the stored monetary value of the electronic wallet of the user to the fuel dispenser;
the fuel dispenser is configured to determine an amount of payment to be made from the electronic wallet of the user based on a selection of goods and/or services received via the fuel dispenser from the user, the selection including fuel to be dispensed from the fuel dispenser;
the fuel dispenser is configured to compare the stored monetary value of the electronic wallet of the user received from the mobile terminal with the determined amount of payment to be made from the electronic wallet of the user without communicating with the electronic wallet management system;
the fuel dispenser is configured to receives an instruction causing the fuel dispenser to dispense the fuel from the fuel dispenser;
the mobile terminal is configured to transmit data to the fuel dispenser that is indicative of an approval of payment to be made from the electronic wallet of the user for fuel to be dispensed from the fuel dispenser;
in response to the mobile terminal transmitting to the fuel dispenser the data indicative of the approval of payment to be made, the mobile terminal is configured to receive data from the fuel dispenser indicative of a total cost of the fuel dispensed from the fuel dispenser; and
in response to receiving the data from the fuel dispenser that is indicative of the total cost, the mobile terminal is configured to transmit data to the electronic wallet management system indicative of the total cost of the fuel.

2. The system of claim 1 , wherein the currency acceptance terminal has a secure depository therein that stores the received currency therein.

3. The system of claim 1 , wherein the received currency includes at least one of paper money and a coin.

4. The system of claim 1 , wherein the currency acceptance terminal is configured to be unmanned when receiving the currency and transmitting the data indicative of the monetary amount of the received currency to the mobile terminal.

5. The system of claim 1 , wherein, in response to the receipt of the currency, the currency acceptance terminal is configured to automatically transmit the data indicative of the monetary amount of the received currency to the mobile terminal.

6. A payment management method, comprising:
receiving currency at a currency acceptance terminal;
transmitting data indicative of a monetary amount of the received currency from the currency acceptance terminal to a mobile terminal that is separate from and external to the currency acceptance terminal;
transmitting data indicative of the monetary amount from the mobile terminal to an electronic wallet management system that manages a plurality of electronic wallets including an electronic wallet of a user that stores monetary value usable for purchase of at least one of goods and services from a merchant, the electronic wallet management system being separate from and external to the currency acceptance terminal and the mobile terminal;
increasing the stored monetary value of the electronic wallet of the user at the electronic wallet management system by the monetary amount;
after increasing the stored monetary value of the electronic wallet of the user, transmitting data indicative of the stored monetary value of the electronic wallet of the user from the electronic wallet management system to the mobile terminal;
transmitting data indicative of payment to be made for fuel from the electronic wallet of the user and the data indicative of the stored monetary value of the electronic wallet of the user from the mobile terminal to a fuel dispenser configured to dispense the fuel;
after transmitting the data indicative of the payment and the stored monetary value, the fuel dispenser comparing the stored monetary value of the electronic wallet of the user with the payment to be made from the electronic wallet of the user and transmitting data indicative of the comparison to the mobile terminal, the comparing performed without communicating with the electronic wallet management system; and
dispensing the fuel from the fuel dispenser.

7. The method of claim 6 , further comprising, prior to receiving the currency, electronically connecting the mobile terminal and the currency acceptance terminal.

8. The method of claim 7 , wherein the electronically connecting includes using an app installed on the mobile terminal.

9. The method of claim 6 , wherein the received currency is deposited in a secure depository within the currency acceptance terminal.

10. The method of claim 6 , wherein the received currency includes at least one of paper money and a coin.

11. The method of claim 6 , wherein the currency acceptance terminal is unmanned.

12. The method of claim 6 , wherein the electronic wallet management system is cloud-based and includes a memory storing the plurality of electronic wallets.

13. The method of claim 6 , wherein the currency acceptance terminal is unmanned and the fuel dispenser is unmanned.

14. A payment management method, comprising:
receiving at a mobile terminal data from an unmanned currency acceptance terminal that is indicative of a monetary value of currency received by and stored in the currency acceptance terminal;
transmitting from the mobile terminal to a cloud-based electronic wallet management system data indicative of the monetary value of the received currency and data indicative of an electronic wallet that is uniquely associated with a user of the mobile terminal and that is stored at the cloud-based electronic wallet management system;
receiving at the mobile terminal data from the cloud-based electronic wallet management system data indicative of the electronic wallet having been updated to reflect the monetary value of the currency;
transmitting from the mobile terminal to a fuel dispenser data indicative of a stored monetary value of the electronic wallet of the user;
determining, by the fuel dispenser and from the data indicative of a stored monetary value of the electronic wallet of the user received by the fuel dispenser from the mobile terminal, a payment to be made from the electronic wallet of the user based on a selection of goods/services received via the fuel dispenser from the user, the selection including fuel to be dispensed from the fuel dispenser;
comparing, by the fuel dispenser, the stored monetary value of the electronic wallet

Assignees

• Wayne Fueling Systems Llc

Inventors

• Fieglein Henry

Classifications

• G07F13/025

  wherein the volume is determined during delivery · CPC title

• G07F9/001

  Interfacing with vending machines using mobile or wearable devices · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G07F19/202

  Depositing operations within ATMs (depositing in general G07D11/00) · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title