Patents by Inventor Howard Schechtman
Howard Schechtman 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).
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Patent number: 8543506Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, 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. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.Type: GrantFiled: November 17, 2011Date of Patent: September 24, 2013Assignee: Citibank Development Center, Inc.Inventors: Michael L. Grandcolas, Nancy Bryant, Howard A. Schechtman, Dilip J. Parekh
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Patent number: 8204830Abstract: A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.Type: GrantFiled: April 21, 2011Date of Patent: June 19, 2012Assignee: Citicorp Development Center, Inc.Inventors: Nancy Bryant, Howard A. Schechtman, Lucilla Warren, Wigberto Yu, Netty Meiroff
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Publication number: 20120078794Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, 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. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.Type: ApplicationFiled: November 17, 2011Publication date: March 29, 2012Applicant: Citicorp Development Center, Inc.Inventors: Michael L. Grandcolas, Nancy Bryant, Howard A. Schechtman, Dilip J. Parekh
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Patent number: 8112330Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices and internally within the financial institution to staff terminals using a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, 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: GrantFiled: September 27, 2000Date of Patent: February 7, 2012Assignee: Citibank Development Center, Inc.Inventors: Michael L. Grandcolas, Nancy Bryant, Howard A. Schechtman, Dilip J. Parekh
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Publication number: 20110213708Abstract: A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.Type: ApplicationFiled: April 21, 2011Publication date: September 1, 2011Inventors: Nancy BRYANT, Howard A. SCHECHTMAN, Lucilla WARREN, Wigberto YU, Netty MEIROFF
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Patent number: 7953662Abstract: A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.Type: GrantFiled: January 7, 2010Date of Patent: May 31, 2011Assignee: Citicorp Development Center, Inc.Inventors: Nancy Bryant, Howard A. Schechtman, Lucilla Warren, Wigberto Yu, Netty Meiroff
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Publication number: 20100114770Abstract: A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . .Type: ApplicationFiled: January 7, 2010Publication date: May 6, 2010Inventors: Nancy Bryant, Howard A. Schechtman, Lucilla Warren, Wigberto Yu, Netty Meiroff
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Patent number: 7668781Abstract: A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . .Type: GrantFiled: April 17, 2008Date of Patent: February 23, 2010Assignee: Citicorp Development Center, Inc.Inventors: Nancy Bryant, Howard A. Schechtman, Lucilla Warren, Wigberto Yu, Netty Meiroff
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Publication number: 20080235124Abstract: A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . .Type: ApplicationFiled: April 17, 2008Publication date: September 25, 2008Inventors: Nancy Bryant, Howard A. Schechtman, Lucilla Warren, Wigberto Yu, Netty Meiroff
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Patent number: 7421410Abstract: The present invention provides methods and systems for promoting banking services to non-customers at an automated teller machine (ATM) through an incentive system. Non-customers who enroll in the incentive system are awarded points based on ATM use, viewing of advertisements at an ATM, and other factors. When a pre-determined number of points is accumulated by the non-customer, the non-customer is provided with an award (e.g., a convenience fee for use of the ATM is forgiven). In addition, use of networked ATMs by the non-customer is tracked in order to provide tailored awards and advertisements.Type: GrantFiled: October 6, 2000Date of Patent: September 2, 2008Assignee: Citicorp Development Center, Inc.Inventors: Howard A. Schechtman, Peter Paradiso
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Patent number: 6073119Abstract: This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks, such as the internet, email capability, options to view information on banking capabilities, access to home banking, and other electronically-related user functions. The invention incorporates a purpose-designed environment that can be integrated into a branch or other banking institution facility. The invention also includes a video wall feature that allows interaction by networked users; users may take control of portions of the wall and add selected information to these portions.Type: GrantFiled: December 3, 1997Date of Patent: June 6, 2000Assignee: Citicorp Development Center, Inc.Inventors: Sylvia Bornemisza-Wahr, Kevin Sy Lam, Frank McCallick, Roy Sinai, Peter Paradiso, Howard A. Schechtman, Kenneth J. Randall, Peter Tompkins, Teresa A. Petach
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Patent number: 5963647Abstract: Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Access is achieved by the recipient entering a codeword selected by the sender, along with a transaction code randomly generated by the system. Once the sender provides the codeword and the transaction code to the recipient, the recipient can receive transferred cash through an ATM, even without using a card to access the system. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account. Although cash is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender, the sender's account is not debited until the cash is actually received by the recipient. Other features, including security, cancellation, and status inquiries are also described.Type: GrantFiled: June 17, 1997Date of Patent: October 5, 1999Assignee: Citicorp Development Center, Inc.Inventors: John Downing, William M. Hernandez, William D. Hooper, Netty Meiroff, Jaithirth Rao, Rodman Reef, Howard A. Schechtman, Edward Horowitz
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Patent number: 5589855Abstract: A method and system for entering numerical information in a manner that can be easily used by visually impaired individuals are disclosed. Using a touch screen display, for each digit of a multidigit number a first location on the screen is touched a number of times equal to the digit followed by touching a second location. Once all the digits have been entered, a third location is touched. This method allows for dividing the touch screen display into a small number of large area touch active regions, such as quadrants, thus reducing the accuracy required to enter a value since the large area quadrants are easily referenced to the screen boundaries. Further, audible cues are used to prompt the user as well as provide feedback.Type: GrantFiled: August 14, 1992Date of Patent: December 31, 1996Assignee: Transaction Technology, Inc.Inventors: Paul Blumstein, Randy Cole, James Cook, Ashwin Doshi, Michael Grandcolas, Stephen Gryte, Frank McCallick, Marvin Moskowitz, Howard Schechtman, Michael Sears, Steve Shulman, Walter Greenberg, Patricia Millo, Paul Sidikman, Alex J. Virnig, Paul Witman, Valerie Fenster
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Patent number: D401231Type: GrantFiled: August 12, 1996Date of Patent: November 17, 1998Assignee: Citicorp Development CenterInventors: Howard A. Schechtman, Peter Paradiso, Frank McCallick, Melvin Michio Takata, Matt Alancheril, Steven Skov Holt, Gregory Horn, Michelle Lassman, Mark Rolston, Johannes von Sichart, Ian Steyaert