Patents by Inventor Debra Licciardello

Debra Licciardello has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • 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