Patents Assigned to American Cash Exchange, Inc.
  • Publication number: 20170323298
    Abstract: A computer-based method includes receiving, at a computer-based authorization system, a request to authorize payment to a first party at an electronic payment device from an account with funds that have been paid by a second party. The request includes an encrypted indication of an account number that corresponds to the account and a cash card number entered by the first party at the electronic payment device. The method further includes deriving an unencrypted version of the account number from the encrypted indication; comparing the unencrypted version of the account number to one or more identification codes in an electronic database, where one of the identification codes corresponds to the account; and authorizing payment from the account at the payment device based, at least in part, on whether the comparing yields a match between the unencrypted version of the account number and the identification code that corresponds to the account.
    Type: Application
    Filed: July 21, 2017
    Publication date: November 9, 2017
    Applicant: AMERICAN CASH EXCHANGE, INC.
    Inventors: Donald C. LICCIARDELLO, Rush TAGGART, John D. LICCIARDELLO, Debra Lynn LICCIARDELLO
  • Patent number: 9715690
    Abstract: A computer-based method includes receiving, at a computer-based authorization system, a request to authorize payment to a first party at an electronic payment device from an account with funds that have been paid by a second party. The request includes an encrypted indication of an account number that corresponds to the account and a cash card number entered by the first party at the electronic payment device. The method further includes deriving an unencrypted version of the account number from the encrypted indication; comparing the unencrypted version of the account number to one or more identification codes in an electronic database, where one of the identification codes corresponds to the account; and authorizing payment from the account at the payment device based, at least in part, on whether the comparing yields a match between the unencrypted version of the account number and the identification code that corresponds to the account.
    Type: Grant
    Filed: August 25, 2011
    Date of Patent: July 25, 2017
    Assignee: AMERICAN CASH EXCHANGE, INC.
    Inventors: Donald C. Licciardello, Rush Taggart, John D. Licciardello, Debra Lynn Licciardello
  • Publication number: 20130151418
    Abstract: A computer-based method includes receiving, at a computer-based authorization system, a request to authorize payment to a first party at an electronic payment device from an account with funds that have been paid by a second party. The request includes an encrypted indication of an account number that corresponds to the account and a cash card number entered by the first party at the electronic payment device. The method further includes deriving an unencrypted version of the account number from the encrypted indication; comparing the unencrypted version of the account number to one or more identification codes in an electronic database, where one of the identification codes corresponds to the account; and authorizing payment from the account at the payment device based, at least in part, on whether the comparing yields a match between the unencrypted version of the account number and the identification code that corresponds to the account.
    Type: Application
    Filed: August 25, 2011
    Publication date: June 13, 2013
    Applicant: AMERICAN CASH EXCHANGE, INC.
    Inventors: Donald C. Licciardello, Rush Taggart, John D. Licciardello, Debra Lynn Licciardello
  • Patent number: 8038058
    Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.
    Type: Grant
    Filed: August 25, 2008
    Date of Patent: October 18, 2011
    Assignee: American Cash Exchange, Inc
    Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
  • Publication number: 20090159695
    Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.
    Type: Application
    Filed: August 25, 2008
    Publication date: June 25, 2009
    Applicants: American Cash Exchange, Inc., American Cash Exchange, L.L.C. (ACE, LLC)
    Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
  • Patent number: 7416115
    Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.
    Type: Grant
    Filed: August 15, 2005
    Date of Patent: August 26, 2008
    Assignees: American Cash Exchange, L.L.C., American Cash Exchange, Inc.
    Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
  • Patent number: 7195151
    Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.
    Type: Grant
    Filed: September 4, 2003
    Date of Patent: March 27, 2007
    Assignees: American Cash Exchange, L.L.C., American Cash Exchange, Inc.
    Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
  • Publication number: 20050269415
    Abstract: This invention provides a system and method for authorizing automated value transfers from an account available to users who do not have a pre-existing trust, business or financial relationship. In an embodiment of the present invention, a Sender at a first location purchases a PIN Card at a point of sale, such as a retail location or a bank teller. The Sender contacts an intended Recipient at a remote location and discloses a Transfer PIN associated with the PIN Card, as well as the amount being transferred, to that intended Recipient. The Recipient needs only the Transfer PIN and a Cash Card to receive the money transfer at a participating remote location. To receive the value associated with the PIN Card, the Recipient inserts or swipes the Cash Card at an ATM and enters the Transfer PIN. An authorization system then authorizes the dispensing unit to dispense that value amount.
    Type: Application
    Filed: August 15, 2005
    Publication date: December 8, 2005
    Applicants: American Cash Exchange, Inc., American Cash Exchange, L.L.C. (ACE, LLC)
    Inventors: Donald Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Licciardello