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

A payment management method, comprising:

• receiving, by a currency acceptance terminal comprising a processor, hard currency from a user;
• transmitting, by the processor of the currency acceptance terminal to a mobile terminal, hard currency data indicative of a monetary amount of the received hard currency, the mobile terminal being separate from and external to the currency acceptance terminal;
• transmitting, by a processor of the mobile terminal, the hard currency data to an electronic wallet management system separate from and external to the currency acceptance terminal and the mobile terminal, wherein the electronic wallet management system is configured to manage a plurality of electronic wallets including an electronic wallet of the user;
• receiving, by the processor of the mobile terminal from the electronic wallet management system, data indicative of a stored total monetary balance of the electronic wallet of the user, the stored total monetary balance of the user including the hard currency data;
• transmitting, by the processor of the mobile terminal to a fuel dispenser, the data indicative of the stored total monetary balance of the electronic wallet of the user, the fuel dispenser being separate from and external to the currency acceptance terminal, the mobile terminal, and the electronic wallet management system;
• receiving, by a processor of the fuel dispenser from the mobile terminal, the stored total monetary balance of the electronic wallet of the user that is indicative of a monetary value usable for purchase of at least one of goods and services from a merchant;
• determining, by the processor of the fuel dispenser, an amount of payment to be made from the electronic wallet of the user based on a user selection of the at least one of goods and services, the user selection including fuel to be dispensed from the fuel dispenser;
• comparing, by the processor of the fuel dispenser, the stored total monetary balance of the electronic wallet of the user with the determined amount of payment to be made from the electronic wallet of the user without communicating with the electronic wallet management system;
• transmitting, by the processor of the fuel dispenser, total cost data to the mobile terminal, the total cost data including a total cost of the user selection including the fuel to be dispensed from the fuel dispenser;
• receiving, by the processor of the fuel dispenser, verification data from the mobile terminal, wherein the verification data includes approval data indicating an approval by the electronic wallet management system of the determined amount of payment to be made from the electronic wallet of the user for the user selection including the fuel to be dispensed from the fuel dispenser;
• in response to receiving the approval data, and without the fuel dispenser communicating with the electronic wallet management system for the approval, dispensing, by the processor of the fuel dispenser, the fuel from the fuel dispenser;
• and
• completing, by the processor of the fuel dispenser, a transaction for the user selection including the dispensed fuel by transmitting the determined amount of payment for the total cost of the user selection including the dispensed fuel to the merchant.