Patents Assigned to American Cash Exchange, Inc.
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Publication number: 20170323298Abstract: 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: ApplicationFiled: July 21, 2017Publication date: November 9, 2017Applicant: AMERICAN CASH EXCHANGE, INC.Inventors: Donald C. LICCIARDELLO, Rush TAGGART, John D. LICCIARDELLO, Debra Lynn LICCIARDELLO
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Patent number: 9715690Abstract: 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: GrantFiled: August 25, 2011Date of Patent: July 25, 2017Assignee: AMERICAN CASH EXCHANGE, INC.Inventors: Donald C. Licciardello, Rush Taggart, John D. Licciardello, Debra Lynn Licciardello
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Publication number: 20130151418Abstract: 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: ApplicationFiled: August 25, 2011Publication date: June 13, 2013Applicant: AMERICAN CASH EXCHANGE, INC.Inventors: Donald C. Licciardello, Rush Taggart, John D. Licciardello, Debra Lynn Licciardello
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Patent number: 8038058Abstract: 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: GrantFiled: August 25, 2008Date of Patent: October 18, 2011Assignee: American Cash Exchange, IncInventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
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Publication number: 20090159695Abstract: 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: ApplicationFiled: August 25, 2008Publication date: June 25, 2009Applicants: 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
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Patent number: 7416115Abstract: 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: GrantFiled: August 15, 2005Date of Patent: August 26, 2008Assignees: American Cash Exchange, L.L.C., American Cash Exchange, Inc.Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
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Patent number: 7195151Abstract: 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: GrantFiled: September 4, 2003Date of Patent: March 27, 2007Assignees: American Cash Exchange, L.L.C., American Cash Exchange, Inc.Inventors: Donald C. Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Lynn Licciardello
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Publication number: 20050269415Abstract: 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: ApplicationFiled: August 15, 2005Publication date: December 8, 2005Applicants: American Cash Exchange, Inc., American Cash Exchange, L.L.C. (ACE, LLC)Inventors: Donald Licciardello, Lawrence Greenberg, Alex Peterhans, David Romero, Debra Licciardello