Patents Assigned to Citibank Development Center, Inc.
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Patent number: 8650625Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.Type: GrantFiled: September 21, 2012Date of Patent: February 11, 2014Assignee: Citibank Development Center, Inc.Inventors: Michael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yongqiang Chen
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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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Publication number: 20130097429Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.Type: ApplicationFiled: September 21, 2012Publication date: April 18, 2013Applicant: CITIBANK DEVELOPMENT CENTER, INC.Inventor: CITIBANK DEVELOPMENT CENTER, INC.
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Patent number: 8302172Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.Type: GrantFiled: November 15, 2011Date of Patent: October 30, 2012Assignee: Citibank Development Center, Inc.Inventors: Michael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yonggiang Chen
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Patent number: 8146141Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which during a log on process, an encryption applet and the public key of a public/private key pair of a banking application server, the private key for which is known by a hardware security module (HSM) of the banking application, are downloaded by a user's browser. The applet contains code for generating a DES key and performing DES and PKI encryption. A user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of the application server by the applet before being transmitted to the application server.Type: GrantFiled: December 16, 2004Date of Patent: March 27, 2012Assignee: Citibank Development Center, Inc.Inventors: Michael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yongqiang Chen
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Publication number: 20120072714Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.Type: ApplicationFiled: November 15, 2011Publication date: March 22, 2012Applicant: Citibank Development Center, Inc.Inventors: Michael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yonggiang Chen
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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