Patents by Inventor Serena Modigliani

Serena Modigliani 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).

  • Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy
    Patent number: 7831490
    Abstract: The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.
    Type: Grant
    Filed: February 26, 2004
    Date of Patent: November 9, 2010
    Assignee: Payment Pathways, Inc.
    Inventors: Franco Modigliani, Serena Modigliani, legal representative, Richard James O'Brien, Francis M. Vitagliano
  • Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy
    Publication number: 20040236681
    Abstract: The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.
    Type: Application
    Filed: February 26, 2004
    Publication date: November 25, 2004
    Inventors: Franco Modigliani, Richard James O'Brien, Francis M. Vitagliano, Serena Modigliani