Citigroup Patents

Citigroup Inc. provides financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management, to consumers, corporations, governments and institutions.

Citigroup Patents by Type

  • Patent number: 9560203
    Abstract: Embodiments described can more effectively complete complicated service transactions in a more efficient manner by having a team of well-trained professionals who are instantly “streamed” into any location as necessary. A two-way communication system can provide instant or quick access to the right expert at the right point in time, thereby converting what might otherwise be a negative customer experience into a positive sales and service opportunity.
    Type: Grant
    Filed: September 5, 2014
    Date of Patent: January 31, 2017
    Assignee: Citibank, N.A.
    Inventors: Christopher E. Kay, Sam Lising, Tim Kobe
  • Patent number: 9558495
    Abstract: A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: January 31, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventor: William Johnson
  • Patent number: 9544312
    Abstract: Methods and systems for managing directory information, such as onboarding a LDAP server, employing a processor coupled to memory and other computer hardware and software components for receiving a request related to one or more applications from a requestor in pre-determined business logic, acknowledging the request by an approver function without requiring the requestor to negotiate, for example, with an LDAP administrator to justify the request, and provisioning the request into the enterprise LDAP server in the pre-determined business logic.
    Type: Grant
    Filed: October 30, 2012
    Date of Patent: January 10, 2017
    Assignee: CITIGROUP TECHNOLOGY, INC.
    Inventors: Sandeep Nair, Jerry Speyer, Udaya Chandupatla
  • Patent number: 9507960
    Abstract: Systems and methods for automated data privacy compliance involve a data privacy operations server receiving information via a web server regarding an initiative and packaging the initiative information for assessment by a data privacy legal compliance function. One or more databases storing an inventory of data privacy compliance requirements resources are accessible by the data privacy legal compliance function via a relational database server to assess the packaged initiative information. A clear function generates an approval recommendation based on the assessment of the packaged initiative information by the data privacy legal compliance function.
    Type: Grant
    Filed: February 25, 2015
    Date of Patent: November 29, 2016
    Assignee: Citigroup Technology, Inc.
    Inventors: Wanda Bell, Lewis Ahron Kaufman, William Joseph Krajewski, John J. McGillicuddy, Paul Aloysius Scanlon, Jr., Abhijit Dey, Sharon Ameet Fanse, Giridhar Holenarsipur Nagaraj, Shyamli Rai, Sunitha Sundaramurthy, Gurpreet Chahil, Jeetendra Chandwani, Arham Gupta, Mangesh Ashok Karhadkar, Vincent Francis La Padula, Paul J. Murray, Himanshu Shailesh Shah, Rasika Vartak
  • Patent number: 9477385
    Abstract: Methods and systems for managing a graphical user interface involve, for example, defining, using a processor coupled to memory, a threshold distance between windows on a display screen at which a mutual attraction between the windows is activated to draw the windows together as components of a picture of windows. Also using the processor, all windows of a same functional type that are components of the picture of windows are resized simultaneously without affecting the size of windows of other functional types that are also components of the picture of windows. Likewise using the processor, all windows on the display screen are maintained in an active state regardless of a focus of a user input device.
    Type: Grant
    Filed: February 5, 2015
    Date of Patent: October 25, 2016
    Assignee: CITIBANK, N.A.
    Inventors: David Niall O'Byrne, Alaa Abdulkhaleq Saeed, Ashvin Parkash, Wyatt Alexander Flores, Vanderlei Cardoso da Silva, Ori Anavim, Kumaravel Kannan Nagarajan, Andrew Robert Blackman, Naveenprasad Subbiyan, Krishnaraj Rajagopalan, Laura Krystyna Lingard Turner
  • Patent number: 9462473
    Abstract: The invention relates to systems and methods for secure, remote, wireless submission of financial transactions. Authentication and authorization functionality are provided through use of proof of possession tests, a token service that provides a user device with a token that includes user entitlement data, and high assurance digital certificates.
    Type: Grant
    Filed: January 11, 2016
    Date of Patent: October 4, 2016
    Assignee: CITIGROUP GLOBAL MARKETS, INC.
    Inventors: Hilary Ward, Gary E. Greenwald, Francis A. Shanahan
  • Patent number: 9440481
    Abstract: A transaction card has a substructure consisting at least in part of a layer of fibrous material, such as carbon fiber strands or filaments, arranged in a pre-selected pattern, such as a weave pattern, that is at least partially enclosed by a transparent plastic film. A sheet is laminated on each of two opposing faces of the substructure to form a transaction card core. One or both of the sheets laminated on the opposing faces of the substructure is also made of a transparent material, and one or both of the two opposing faces of the transaction card core can be printed. An over-laminate film, such as a transparent polyvinyl chloride plastic film, can be laminated on each of two opposing faces of the transaction card core.
    Type: Grant
    Filed: April 4, 2008
    Date of Patent: September 13, 2016
    Assignee: Citicorp Credit Services, Inc.
    Inventors: John Herslow, Michele Logan
  • Patent number: 9438633
    Abstract: A system and method remotely enrolls, authenticates and provides unified authentication services in an ASP setting to a user to access requested information via a communication medium. A filter is coupled to client side components via the communication medium and a user management component coupled to the client side components via the communication medium. The user management component allows end-users to register their credentials only once. In addition, the user management component allows end-users to define the level of protection of access to their web application accounts. This includes accounts that have been configured specifically for use with the present invention and particular user credentials and accounts that have been subsequently set up but configured to use the same user credentials. The present invention can then reuse those credentials to authenticate the user to one or more potentially unrelated web applications.
    Type: Grant
    Filed: April 10, 2015
    Date of Patent: September 6, 2016
    Assignee: Citibank, N.A.
    Inventors: Bikram S. Bakshi, David W. Helms, Anthony C. Rochon, Trevor J. Walker
  • Patent number: 9418381
    Abstract: A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification (“ID”), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service (“SMS”) messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.
    Type: Grant
    Filed: April 12, 2001
    Date of Patent: August 16, 2016
    Assignee: Citigroup Credit Services, Inc. (USA)
    Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
  • Patent number: 9411820
    Abstract: Methods and systems for modeling a replication topology involve, for example, representing a plurality of replication components of a replication topology in a first binary matrix using a processor coupled to memory and generating a result matrix based at least in part on the first binary matrix likewise using the processor. Thereafter, also using the processor, replication components of the replication topology may be identified that are either enabled or non-enabled to receive replications from other replication components of the replication topology based at least in part on the result matrix.
    Type: Grant
    Filed: June 5, 2015
    Date of Patent: August 9, 2016
    Assignee: Citigroup Technology, Inc.
    Inventors: Sandeep Nair, Jerry Speyer, Raj Punuru
  • Patent number: 9398013
    Abstract: A system and method for allowing a user to access enterprise resources comprising authentication devices and an authentication server. The authentication devices allow a user to enter authentication data. The authentication server is in communication with the authentication devices. The authentication server comprises a policy database storing a policy. The policy comprises guidelines including a first guideline establishes a qualification necessary for the user to access enterprise resources and a second guideline establishes a qualification necessary for the user to activate a silent signal. The authentication server is adapted to request assistance for the user if the silent signal is activated.
    Type: Grant
    Filed: February 24, 2014
    Date of Patent: July 19, 2016
    Assignee: Citibank, N.A.
    Inventors: Peter Garrett Bianco, William Taylor Boon, Anthony C. Rochon, Marc A. Sherman, Robert Brewster Sterling, Karl Roger Ware
  • Patent number: 9378490
    Abstract: A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.
    Type: Grant
    Filed: August 13, 2010
    Date of Patent: June 28, 2016
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Alan Slater, Michael L. Sears, Phoebe Rin-Rin Hsu, Cuong D. Do, H. Patrick McSharry, Edward M. R. Dudasik, Stephen M. Gryte, Robert O. Brooks
  • Patent number: 9369452
    Abstract: A system and method whereby an unregistered, anonymous user at an organization's website makes a submission/inquiry and is able to access a secure response containing private information without pre-registering or establishing an account with the organization. A response to the user is made via an unsecured e-mail notification that provides the user with an HTTPS link to an authentication page. The user then enters his/her user identification, for example, the user email address and password which was associated with the original submission/inquiry. Once the email address and password is authenticated, the secure response message is displayed on the user's web browser in SSL. Each response is provided on a per-submission basis.
    Type: Grant
    Filed: June 13, 2014
    Date of Patent: June 14, 2016
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Sikun Lan, Yong K. Huang, Kent Frazier, Roy Sykes, Joseph Zusman
  • Patent number: 9264902
    Abstract: The invention relates to systems and methods for secure, remote, wireless submission of financial transactions. Authentication and authorization functionality are provided through use of proof of possession tests, a token service that provides a user device with a token that includes user entitlement data, and high assurance digital certificates.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: February 16, 2016
    Assignee: Citigroup Global Markets Inc.
    Inventors: Hilary Ward, Gary E. Greenwald, Francis A. Shanahan
  • Patent number: 9230253
    Abstract: A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
    Type: Grant
    Filed: September 15, 2014
    Date of Patent: January 5, 2016
    Assignee: Citicorp Credit Services, Inc.
    Inventor: William Johnson
  • Patent number: 9223891
    Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.
    Type: Grant
    Filed: September 15, 2011
    Date of Patent: December 29, 2015
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: France Law-How-Hung, Ramadurai V. Ram
  • Patent number: 9215211
    Abstract: A system and method of guaranteeing the presence of secure and tamper-proof remote files over a distributed communication medium, such as the Internet, is provided. The system and method automatically detects, and then self-repairs corrupt, modified or non-existent remote files. The method first performs an integrity check on a remote file and then determines whether the integrity check passed. If the integrity check passed, then the user goes through the authentication process as normal. If the integrity check fails, then the present invention redirects to an install module in order to prepare to reinstall the remote file. Via the install module, the present invention then reinstalls the remote file and the user is then taken through the authentication process as normal.
    Type: Grant
    Filed: June 16, 2014
    Date of Patent: December 15, 2015
    Assignee: Citibank, N.A.
    Inventors: Steve Vlcan, Bikram Singh Bakshi
  • Patent number: 9130844
    Abstract: Systems and methods for harvesting excess compute capacity across different compute domains involve a monitoring engine that collects resource utilization data continuously in real time for each of a plurality of server nodes in each of a plurality of different compute domains via a network. An elastic compute workload management engine receives the collected resource utilization data from the monitoring engine via the network, extracts excess workload from one or more server nodes with excess workload demand in a first one of the plurality of different compute domains via the network and inserts the extracted excess workload into one or more server nodes with currently available compute capacity in a second one of the plurality of different compute domains via the network.
    Type: Grant
    Filed: November 11, 2014
    Date of Patent: September 8, 2015
    Assignee: Citigroup Technology, Inc.
    Inventors: Imran Malik, Scott Free, Rafael Brito, Mohsin Jaffar
  • Patent number: 9129279
    Abstract: A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.
    Type: Grant
    Filed: September 6, 2013
    Date of Patent: September 8, 2015
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
  • Patent number: 9105022
    Abstract: A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching.
    Type: Grant
    Filed: June 8, 2010
    Date of Patent: August 11, 2015
    Assignee: Citibank, N.A.
    Inventors: Neeraj Sharma, Ateesh Tankha, Anthony Merola
  • Patent number: 9081840
    Abstract: Methods and systems for modeling a replication topology involve, for example, representing a plurality of replication components of a replication topology in a first binary matrix using a processor coupled to memory and generating a result matrix based at least in part on the first binary matrix likewise using the processor. Thereafter, also using the processor, replication components of the replication topology may be identified that are either enabled or non-enabled to receive replications from other replication components of the replication topology based at least in part on the result matrix.
    Type: Grant
    Filed: September 21, 2012
    Date of Patent: July 14, 2015
    Assignee: Citigroup Technology, Inc.
    Inventors: Sandeep Nair, Jerry Speyer, Raj Punuru
  • Publication number: 20150178828
    Abstract: A method and system comprising: receiving, by a master program administrator server from a first asset purchasing entity server, a first asset purchasing entity portfolio report on a periodic basis and from a second asset purchasing entity server, a second asset purchasing entity portfolio report on a periodic basis. Transmitting, by the master program administrator server to a program asset administrator server, the first asset purchasing entity portfolio report and the second asset purchasing entity portfolio report, and a central funding entity collection report based on payment collection from the first asset purchasing entity server and the second asset purchasing entity server. Receiving, by the master program administrator server from the program asset administrator server, an analysis report based and transmitting an action item based on the analysis report.
    Type: Application
    Filed: December 17, 2014
    Publication date: June 25, 2015
    Applicant: CITIBANK, N.A.
    Inventor: Konel PAREKH
  • Patent number: 9047705
    Abstract: Methods and systems for electronically displaying financial data involve, for example, providing access to an authorized user via a client computing device to financial data on a back-end server using a processor coupled to memory; likewise using the processor, sending the financial data to the client computing device from the back-end server; and also using the processor, rendering a three-dimensional graphic display showing a plurality of geographic locations associated with the financial data on the client computing device.
    Type: Grant
    Filed: October 4, 2012
    Date of Patent: June 2, 2015
    Assignee: Citibank, N.A.
    Inventor: Thomas Ko
  • Patent number: 9027109
    Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.
    Type: Grant
    Filed: February 28, 2013
    Date of Patent: May 5, 2015
    Assignee: Citibank, N.A.
    Inventors: Andres Wolberg-Stok, Sonia Olivo Alfieri, Dominic Varacalli, Syed Rahat, Wayne Browning
  • Patent number: 9009798
    Abstract: A system and method remotely enrolls, authenticates and provides unified authentication services in an ASP setting to a user to access requested information via a communication medium. A filter is coupled to client side components via the communication medium and a user management component coupled to the client side components via the communication medium. The user management component allows end-users to register their credentials only once. In addition, the user management component allows end-users to define the level of protection of access to their web application accounts. This includes accounts that have been configured specifically for use with the present invention and particular user credentials and accounts that have been subsequently set up but configured to use the same user credentials. The present invention can then reuse those credentials to authenticate the user to one or more potentially unrelated web applications.
    Type: Grant
    Filed: September 11, 2008
    Date of Patent: April 14, 2015
    Assignee: Citibank, N.A.
    Inventors: Bikram S. Bakshi, David W. Helms, Anthony C. Rochon, Trevor J. Walker
  • Patent number: 9002750
    Abstract: For secure user authentication using a one-time password (OTP) application is pre-stored on a device for generating a OTP value responsive to entry of a valid PIN, no part of the PIN is stored on the device and pre-storing on a server the PIN and a valid shared secret for the user. Upon receiving entry a purported PIN, a purported shared secret is dynamically synthesized on the device by the OTP application based on the purported PIN of the user and a purported OTP value is generated based on the purported shared secret. When entry of the purported OTP value is received by the server in an attempt to log on the server from another device, the server cryptographically calculates a purported shared secret based on the purported OTP value, and log on to the server from the other device is allowed if the calculated purported shared secret corresponds to the pre-stored shared secret.
    Type: Grant
    Filed: April 23, 2007
    Date of Patent: April 7, 2015
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Ronald King-Hang Chu, Mark Kogen, Warren Tan, Simon Ma, Yosif Smushkovich, Gerry Glindro, Jeffrey William Coyte Nicholas
  • Patent number: 8984439
    Abstract: Methods and systems for managing a graphical user interface involve, for example, defining, using a processor coupled to memory, a threshold distance between windows on a display screen at which a mutual attraction between the windows is activated to draw the windows together as components of a picture of windows. Also using the processor, all windows of a same functional type that are components of the picture of windows are resized simultaneously without affecting the size of windows of other functional types that are also components of the picture of windows. Likewise using the processor, all windows on the display screen are maintained in an active state regardless of a focus of a user input device.
    Type: Grant
    Filed: February 14, 2013
    Date of Patent: March 17, 2015
    Assignee: Citibank, N.A.
    Inventors: David Niall O'Byrne, Alaa Abdulkhaleq Saeed, Ashvin Parkash, Wyatt Alexander Flores, Vanderlei Cardoso da Silva, Ori Anavim, Kumaravel Kannan Nagarajan, Andrew Robert Blackman, Naveenprasad Subbiyan, Krishnaraj Rajagopalan, Laura Krystyna Lingard Turner
  • Patent number: 8972297
    Abstract: The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal.
    Type: Grant
    Filed: November 15, 2011
    Date of Patent: March 3, 2015
    Assignee: Citibank, N.A.
    Inventors: Christopher Eric Kay, Ricardo Outi, Sopnendu Mohanty, Mavanur Narakesari Rangaraj, Jonathan Christian Larsen
  • Publication number: 20150006307
    Abstract: A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
    Type: Application
    Filed: September 15, 2014
    Publication date: January 1, 2015
    Applicant: CITICORP CREDIT SERVICES, INC.
    Inventor: William JOHNSON
  • Patent number: 8924293
    Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.
    Type: Grant
    Filed: December 5, 2012
    Date of Patent: December 30, 2014
    Assignee: Citicorp Development Center, Inc.
    Inventor: Joseph C. Kawan
  • Patent number: 8924294
    Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
    Type: Grant
    Filed: March 18, 2014
    Date of Patent: December 30, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Sean T. Lynch, Dickson Chu
  • Patent number: 8918338
    Abstract: A method and system for the issuance of Instant Credit has an Instant Credit engine that performs instantaneous analysis. The method and system can operate along side existing “batch” processes. In addition, the method and system offer various channels of distribution for the Instant Credit products. With the present invention, Instant Credit and other Instant services (e.g., instant account balance transfers, etc.) can be obtained via, Internet, point-of-sale and other distribution channels. The present system also enables highly dynamic product offerings, which can be generated “instantaneously” based on a variety of factors, such as, for example, the channels of distribution (e.g., telephone or Internet), the product sought and/or even the particular individual and/or entity that is applying for a line of credit.
    Type: Grant
    Filed: April 7, 2000
    Date of Patent: December 23, 2014
    Assignee: Citibank, N.A.
    Inventors: Bob Bornhofen, Luke Byrne, David Bray, Richard Elder, Richard Feight, Kathleen Hill Pinnola, Faye Shimshi, Ray Quinlan, Mark Cheeseman
  • Patent number: 8904195
    Abstract: Methods and systems for secure communication between a client application and a secure element on a mobile device involve, for example, encrypting a request including a randomly generated session key by the client application with a user's unique public key and sending the encrypted request to the secure element. The request message is decrypted with a user's unique private key on the secure element, a response message is encrypted with the session key retrieved from the decrypted request and sent to the client application, which decrypts the response with the session key.
    Type: Grant
    Filed: August 21, 2013
    Date of Patent: December 2, 2014
    Assignee: Citibank, N.A.
    Inventors: Syed Rahat, Wayne Browning
  • Patent number: 8880889
    Abstract: The invention relates to systems and methods for secure, remote, wireless submission of financial transactions. Authentication and authorization functionality are provided through use of proof of possession tests, a token service that provides a user device with a token that includes user entitlement data, and high assurance digital certificates.
    Type: Grant
    Filed: March 3, 2008
    Date of Patent: November 4, 2014
    Assignee: Citigroup Global Markets, Inc.
    Inventors: Hilary Ward, Gary E. Greenwald, Francis A. Shanahan
  • Patent number: 8844810
    Abstract: A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: September 30, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventor: William Johnson
  • Patent number: 8830291
    Abstract: Embodiments described can more effectively complete complicated service transactions in a more efficient manner by having a team of well-trained professionals who are instantly “streamed” into any location as necessary. A two-way communication system can provide instant or quick access to the right expert at the right point in time, thereby converting what might otherwise be a negative customer experience into a positive sales and service opportunity.
    Type: Grant
    Filed: April 8, 2011
    Date of Patent: September 9, 2014
    Assignee: Citibank, N.A.
    Inventors: Christopher E. Kay, Sam Lising, Tim Kobe
  • Publication number: 20140245419
    Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.
    Type: Application
    Filed: February 28, 2013
    Publication date: August 28, 2014
    Applicant: CITIBANK, N.A.
    Inventor: CITIBANK, N.A.
  • Publication number: 20140229891
    Abstract: Methods and systems for managing a graphical user interface involve, for example, defining, using a processor coupled to memory, a threshold distance between windows on a display screen at which a mutual attraction between the windows is activated to draw the windows together as components of a picture of windows. Also using the processor, all windows of a same functional type that are components of the picture of windows are resized simultaneously without affecting the size of windows of other functional types that are also components of the picture of windows. Likewise using the processor, all windows on the display screen are maintained in an active state regardless of a focus of a user input device.
    Type: Application
    Filed: February 14, 2013
    Publication date: August 14, 2014
    Applicant: CITIBANK, N.A.
    Inventor: Citibank, N.A.
  • Publication number: 20140201071
    Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
    Type: Application
    Filed: March 18, 2014
    Publication date: July 17, 2014
    Applicant: CITICORP CREDIT SERVICES, INC.
    Inventors: Sean T. Lynch, Dickson Chu
  • Publication number: 20140200909
    Abstract: Methods and systems for electronically managing healthcare expenses and payments involve, for example, receiving information from a health plan processor consisting at least in part of an adjudicated balance owed by a user to a healthcare provider, optionally receiving an adjustment of the adjudicated balance from the healthcare provider, and presenting the adjudicated balance and the optional adjustment, if any, to the user. Thereafter, a payment of the user for the adjudicated balance, as optionally adjusted, may be received, and the user's payment, or information therefor, for the adjudicated balance, as optionally adjusted, may be sent to the healthcare provider.
    Type: Application
    Filed: January 17, 2013
    Publication date: July 17, 2014
    Applicant: Citibank, N.A.
    Inventor: Citibank, N.A.
  • Patent number: 8782770
    Abstract: Methods and systems for managing security during a divestiture may involve, for example, differentiating divested assets and employees from non-divested assets and employees and identifying non-divested assets which divested employees are permitted to access. In addition, divested employee access to the non-divested assets which divested employees are not permitted to access is locked down, and a separation firewall is deployed between divested networks and non-divested networks.
    Type: Grant
    Filed: December 10, 2013
    Date of Patent: July 15, 2014
    Assignee: Citigroup Technology, Inc.
    Inventor: Bromin Menezes
  • Patent number: 8768809
    Abstract: Methods and systems for managing financial data to measure the liquidity risk for a client involve, for example, implementing, using a computer having a processor coupled to memory, client-defined templates for a cash flow forecasting module. Also using the computer, forecast data for the client may be received via the client-defined templates by the cash flow forecasting module. Likewise using the computer, a real-time predictive aggregated measure of available cash flow for the client by currency by value date is generated by the cash flow forecasting module. In addition, a real time measure of forecast variance is computed by the cash flow forecasting module through pseudo logic matching of the actual cash flows at transaction level against the likely much higher level at which the forecasting process is operating.
    Type: Grant
    Filed: September 5, 2013
    Date of Patent: July 1, 2014
    Assignee: Citibank, N.A.
    Inventors: Duncan Cole, Lucinda Gerhard
  • Patent number: 8768830
    Abstract: Methods and systems described herein can consolidate a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.
    Type: Grant
    Filed: September 8, 2011
    Date of Patent: July 1, 2014
    Assignee: Citibank, N.A.
    Inventors: Marty Jorgensen, Michael Moss, Eziah Syed
  • Patent number: 8762237
    Abstract: Providing an account-based product. A communications portal is provided and consumer data is received via the portal. At least one derived characteristic, e.g., qualification, is determined contemporaneously from the consumer data. A product set is presented, via the portal, including at least one product determined at least in part by the derived characteristic. A selection from the product set is received via the portal, and at least one product feature, e.g., balance transfer, of at least one selected product is activated contemporaneous with the product selection.
    Type: Grant
    Filed: June 19, 2003
    Date of Patent: June 24, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Belen Monasterio, Shari Gooen Diamond, Julie Furr, Mark Temares
  • Patent number: 8756676
    Abstract: A system and method whereby an unregistered, anonymous user at an organization's website makes a submission/inquiry and is able to access a secure response containing private information without pre-registering or establishing an account with the organization. A response to the user is made via an unsecured e-mail notification that provides the user with an HTTPS link to an authentication page. The user then enters his/her user identification, for example, the user email address and password which was associated with the original submission/inquiry. Once the email address and password is authenticated, the secure response message is displayed on the user's web browser in SSL. Each response is provided on a per-submission basis.
    Type: Grant
    Filed: October 1, 2010
    Date of Patent: June 17, 2014
    Assignee: Citicorp Development Center, Inc.
    Inventors: Sikun Lan, Yong K. Huang, Kent Frazier, Roy Sykes, Joseph Zusman
  • Patent number: 8756418
    Abstract: A system and method of guaranteeing the presence of secure and tamper-proof remote files over a distributed communication medium, such as the Internet, is provided. The system and method automatically detects, and then self-repairs corrupt, modified or non-existent remote files. The method first performs an integrity check on a remote file and then determines whether the integrity check passed. If the integrity check passed, then the user goes through the authentication process as normal. If the integrity check fails, then the present invention redirects to an install module in order to prepare to reinstall the remote file. Via the install module, the present invention then reinstalls the remote file and the user is then taken through the authentication process as normal.
    Type: Grant
    Filed: December 27, 2012
    Date of Patent: June 17, 2014
    Assignee: Citibank, N.A.
    Inventors: Steve Vlcan, Bikram Singh Bakshi
  • Patent number: 8746552
    Abstract: Methods, systems, and machines for monitoring card reader activity involve, for example, receiving data regarding a level of activity of a card reader of an access door of a self-service financial transaction terminal vestibule and also receiving data regarding a level of activity of a card reader of at least one self-service financial transaction terminal located within the vestibule. Periodically, the level of activity of the card reader of the access door may be compared with the level of activity of the card reader of the at least one self-service financial transaction terminal, and an alert may be generated when a ratio of the level of activity of the card reader of the access door to the level of activity of the card reader of the at least one self-service financial transaction terminal falls below a predetermined value.
    Type: Grant
    Filed: January 24, 2014
    Date of Patent: June 10, 2014
    Assignee: Citigroup Technology, Inc.
    Inventors: Randal Yokomoto, Ian Kidman
  • Patent number: 8744964
    Abstract: A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call.
    Type: Grant
    Filed: September 12, 2013
    Date of Patent: June 3, 2014
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Glennon Franklin, Edmond Eger
  • Patent number: D722739
    Type: Grant
    Filed: June 15, 2011
    Date of Patent: February 17, 2015
    Assignee: Citibank, N.A.
    Inventors: Christopher E. Kay, Ricardo Outi, Sopnendu Mohanty, Michael Ely, Hector J. Moll-Carrillo, Samuel Kong-Yue Lising, Isao Takezawa, Timothy Mathew Kobe
  • Patent number: D766323
    Type: Grant
    Filed: February 28, 2014
    Date of Patent: September 13, 2016
    Assignee: Citibank, N.A.
    Inventors: Ofir Eyal, Alaa Saeed, Naveenprasad Subbiyan, Raphael Menachem, Tamir Twina