Patents by Inventor Michael L. Grandcolas
Michael L. Grandcolas 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: 10013680Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.Type: GrantFiled: August 30, 2012Date of Patent: July 3, 2018Assignee: Citicorp Credit Services, Inc. (USA)Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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Patent number: 10007908Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.Type: GrantFiled: May 17, 2013Date of Patent: June 26, 2018Assignee: Citicorp Credit Services, Inc. (USA)Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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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: 8280810Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.Type: GrantFiled: January 11, 2011Date of Patent: October 2, 2012Assignee: Citicorp Development Center, Inc.Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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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: 20110112963Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.Type: ApplicationFiled: January 11, 2011Publication date: May 12, 2011Inventors: Michael L. GRANDCOLAS, Wendell W. ANTHONY, Patrick LAW, Leslie MOSS, Teresa A. PETACH, Peter TOMPKINS
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Patent number: 7908222Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.Type: GrantFiled: June 19, 2007Date of Patent: March 15, 2011Assignee: Citicorp Development Center, Inc.Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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Patent number: 7233925Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.Type: GrantFiled: February 1, 1999Date of Patent: June 19, 2007Assignee: Citicorp Development Center, Inc.Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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Patent number: 7137006Abstract: Methods and systems for single sign-on user access to multiple web servers are provided. A user is authenticated at a first web server (e.g., by user name and password). The first web server provides a web page to the user having a service selector (e.g., a hyperlink comprising the URL of a second web server offering the service indicated by the selector). When the user activates the service selector, the first web server constructs and transmits an encrypted authentication token (e.g., a cookie) from the first web server to a second web server via the user client. The first and second web servers share a sub-domain. The authentication token comprises an expiration time and is digitally signed by the first web server and is authenticated at the second web server. Upon authentication, the second web server allows the user to conduct a session at the second web server.Type: GrantFiled: September 22, 2000Date of Patent: November 14, 2006Assignee: Citicorp Development Center, Inc.Inventors: Michael L. Grandcolas, France Law, Ashwin Doshi, Michael Williams, Yeona Jang, Toni Merschen, Jack Pan
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Patent number: 6464135Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch screType: GrantFiled: June 30, 2000Date of Patent: October 15, 2002Assignee: Citicorp Development Center, Inc.Inventors: Albert E. Cohen, Michael L. Grandcolas, Stephen M. Gryte, Teresa A. Petach, Michael L. Sears
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Patent number: 6332131Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created.Type: GrantFiled: August 19, 1998Date of Patent: December 18, 2001Assignee: Transaction Technology, Inc.Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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Patent number: 5867153Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to "leverage" existing programs because now the institution can automatically "project" its existing stock of program services unto new access devices--devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.Type: GrantFiled: October 30, 1996Date of Patent: February 2, 1999Assignee: Transaction Technology, Inc.Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
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Patent number: D453766Type: GrantFiled: March 2, 1999Date of Patent: February 19, 2002Assignee: Transaction Technology, Inc.Inventors: Michael L. Grandcolas, Patrick Law, Nigel Pinnell, Ashwin Doshi