Patents Assigned to Citicorp Credit Services, Inc.
  • Patent number: 10102569
    Abstract: A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.
    Type: Grant
    Filed: December 28, 2011
    Date of Patent: October 16, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ramiro Munoz, Mark Kogen
  • Patent number: 10084847
    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: December 20, 2017
    Date of Patent: September 25, 2018
    Assignee: CITICORP CREDIT SERVICES, INC. (USA)
    Inventors: France Law-How-Hung, Ramadurai V. Ram
  • Patent number: 10078834
    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: March 28, 2011
    Date of Patent: September 18, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventor: Joseph C. Kawan
  • Patent number: 10074081
    Abstract: The methods and systems described herein attempt to provide a card where a consumer can reload the card with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale.
    Type: Grant
    Filed: December 19, 2011
    Date of Patent: September 11, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Andrew D. Radlow, Eran Hollander
  • Patent number: 10013680
    Abstract: 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: Grant
    Filed: August 30, 2012
    Date of Patent: July 3, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
  • Patent number: 10007908
    Abstract: 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: Grant
    Filed: May 17, 2013
    Date of Patent: June 26, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
  • Patent number: 9928491
    Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.
    Type: Grant
    Filed: February 14, 2017
    Date of Patent: March 27, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ronald King-Hang Chu, Charles Golvin, Peter Tompkins
  • Patent number: 9928545
    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: May 12, 2014
    Date of Patent: March 27, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Belen Monasterio, Shari Gooen Diamond, Julie Furr, Mark Temares
  • Patent number: 9906579
    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: November 22, 2015
    Date of Patent: February 27, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: France Law-How-Hung, Ramadurai V. Ram
  • Patent number: 9881285
    Abstract: A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
    Type: Grant
    Filed: February 3, 2014
    Date of Patent: January 30, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Ronald Padalino, Nigel Pinnell, Philip C. Shinn, Wigberto Yu
  • Patent number: 9818100
    Abstract: The present invention relates particularly to a method and system for consolidating 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: March 27, 2013
    Date of Patent: November 14, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Susan Moon, Hugh Aller, Eric Yellin, Kellie Knox, Jeff Schumacher
  • Patent number: 9768963
    Abstract: Methods and systems for secure user authentication using a OTP involve, for example, pre-storing a OTP application on a first computing device for generating a valid OTP value for the user responsive to receiving entry of a valid PIN value of the user, no part of the valid PIN value is stored on the first computing device and pre-storing on a back-end server the valid PIN value and a valid shared secret for the user. Upon receiving entry of a purported PIN value of the user, a purported shared secret is dynamically synthesized on the first computing device by the OTP application based on the purported PIN value of the user and a purported OTP value is generated on the first computing device.
    Type: Grant
    Filed: February 2, 2011
    Date of Patent: September 19, 2017
    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: 9749855
    Abstract: The present invention relates to a method for conducting transactions, such as standard banking transactions, using a wireless device, such as a cellular telephone, personal digital assistant, and other web-enabled wireless devices utilizing software downloaded to the wireless device. The software provides a user with interface screens on the display of the wireless device for facilitating information requests to a service provider having access to at least one account of the user.
    Type: Grant
    Filed: March 26, 2014
    Date of Patent: August 29, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Peter Tompkins, Jennifer Vos, Arun Ahuja
  • Patent number: 9646234
    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: August 16, 2016
    Date of Patent: May 9, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Todd S. Thomson, John Herslow, Michele Logan
  • Patent number: 9639621
    Abstract: Computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.
    Type: Grant
    Filed: May 21, 2007
    Date of Patent: May 2, 2017
    Assignee: CITICORP CREDIT SERVICES, INC. (USA)
    Inventors: France Law-How-Hung, Sam Shahdousti, Patrick Law, Anna Putnam, Peter Lomenzo
  • Patent number: 9607292
    Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.
    Type: Grant
    Filed: January 12, 2012
    Date of Patent: March 28, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ronald King-Hang Chu, Charles Golvin, Peter Tompkins
  • 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: 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: 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