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: 12689597
    Abstract: Systems and methods for managing resources across a global and/or cloud network. In particular, systems and methods for mitigating issues related to providing services while resources are off-line (or may potentially go off-line). For example, the systems and methods may mitigate issues related to providing services while resources are off-line (or may potentially go off-line) by monitoring network services at an aggregate level.
    Type: Grant
    Filed: September 17, 2024
    Date of Patent: July 21, 2026
    Assignee: Citibank, N.A.
    Inventors: John Oladapo Olalowo Olatunji, Diego Miyake Dos Santos, Rodolphe De Lassus Saint-Genies, Ryan Rhea Rugg, Sujay Nanjashetty, Ambrish Bansal
  • Patent number: 12688667
    Abstract: Presented herein are systems and methods for the employment of machine learning models for image processing. A method may include a capture of a video feed including image data of a document at a client device. The client device can provide the video feed to another computing device. The method can include, by the client device or the other computing device object recognition for recognizing a type of document and capturing an image exceeding a quality threshold of the document amongst the frames within the video feed. The method may further include the execution of other image processing operations on the image data to improve the quality of the image or features extracted therefrom. The method may further include anti-fraud detection or scoring operations to determine an amount of risk associated with the image data.
    Type: Grant
    Filed: April 4, 2025
    Date of Patent: July 21, 2026
    Assignee: CITIBANK, N.A.
    Inventors: Ashutosh K. Sureka, Venkata Sesha Kiran Kumar Adimatyam, Miriam Silver, Daniel Funken
  • Patent number: 12688173
    Abstract: The systems and methods disclosed herein receive a dataset including an observed set of values for a set of variables. The system can use a first set of AI models to identify a set of anomalies in the observed set of values by comparing an observed set of patterns against multiple reference patterns. The system can use a second set of AI models to evaluate the identified anomalies by comparing an observed set of association rules with an expected set of association rules. The system can use a third set of AI models to generate reconfiguration commands to remove the identified anomalies. The reconfiguration commands can be automatically executed to modify the observed association rules to align with the expected association rules.
    Type: Grant
    Filed: August 22, 2025
    Date of Patent: July 21, 2026
    Assignee: CITIBANK, N.A.
    Inventors: James Myers, Yael Man, John E. Ortega, Alberto Cetoli, Minjeong Cho, Jason Ryan Engelbrecht, Ines Teixeira
  • Patent number: 12689524
    Abstract: Methods and systems for routing execution requests to autonomous artificial intelligence agents using performance-based selection are disclosed herein. An agent routing system may receive a prompt for completing an action using artificial intelligence agents from a plurality of agents, where each agent may be associated with computer-executable operations configured for autonomous execution on software applications. The system may determine a set of agents enabled to complete the requested action and may access action completion datasets for these agents. Each dataset may include action parameters for completed actions, including status parameters indicating successful completion and timestamps of completion. The system may select an artificial intelligence agent based on a frequency composite parameter generated from successful completion status parameters and a time composite parameter indicating completion timing.
    Type: Grant
    Filed: February 12, 2026
    Date of Patent: July 21, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, Imir Arifi, James Myers, Sofia Rahman
  • Publication number: 20260203303
    Abstract: Systems and methods for uses and/or improvements to data transfers that mitigate and/or avoid the metadata overwrites. For example, systems and methods for data transfer operations such as those involving, but not limited to, performing multicomputer data transferring across computer networks without staging servers, synthetically generating metadata subject to multicomputer data transferring across computer networks, or performing multicomputer data transfer across computer networks for real-time metadata ingestion. The systems and methods first load data into a buffer and then stream it directly to the target location. By performing data transfers by first loading data into a buffer and then streaming it directly to the target location, the system avoids many metadata-preservation challenges because the data is treated as a raw byte stream rather than as an object being rewritten by the storage system.
    Type: Application
    Filed: January 26, 2026
    Publication date: July 16, 2026
    Applicant: Citibank, N.A.
    Inventor: Justin Restivo
  • Patent number: 12683913
    Abstract: Systems and methods for executing multi-party validations for complex communications across multiple computer networks using bifurcated digital signing processes. For example, the system may receive a first request, at a bifurcated digital signing process, to perform a first multi-party validation action, wherein the first request has a first processing characteristic. The system may, in response to receiving the first request, process the first request with a first signing routine of the bifurcated digital signing process. The system may determine, based on the first signing routine, whether the first processing characteristic corresponds to a predetermined processing characteristic. The system may, in response to determining that the first processing characteristic corresponds to the predetermined processing characteristic, process the first request with a second signing routine of the bifurcated digital signing process to perform the first multi-party validation action.
    Type: Grant
    Filed: April 15, 2025
    Date of Patent: July 14, 2026
    Assignee: Citibank, N.A.
    Inventors: Anthony McLaughlin, Ryan Rugg, Sawyer Uzzell
  • Patent number: 12681754
    Abstract: A system for handling interrupts in a cloud computing environment is disclosed. The system may include a controller process that receives an interrupt indicator from a worker process, signaling a potential interruption. The controller may determine if the worker process is expected to be halted and removed within a predetermined time period. If so, the controller may transmit a status request to the worker process. In response, the controller may receive completed task results and determine uncompleted tasks. The controller may generate a checkpoint data structure indicating completed and uncompleted tasks. A computational payload comprising the completed results and checkpoint data structure may be transmitted for recording within the cloud computing system. This approach may enable efficient management of computational resources and task continuity in cloud environments subject to periodic process halting and removal.
    Type: Grant
    Filed: August 14, 2025
    Date of Patent: July 14, 2026
    Assignee: Citibank, N.A.
    Inventors: Mark Philpott, Dominic Burgan, Steven Readett, Krzysztof Jastrzebski, Isaac Kilis
  • Patent number: 12683856
    Abstract: The technology may be utilized in network environments that use fiber optic cables to connect components. Components of the network perform functions as transceivers that transmit and receive light signals via the fiber cable. When optic power data received from the transceivers is recognized as a fault, an event is identified. The system logs each received event and converts all measurements into a common unit of measurement. The system analyzes aggregated data from the transceivers to detect patterns and trends, monitor the received data and provide real time fault predictions. For example, a machine learning process may recognize subtle trends or patterns in the data, and use the recognition to predict potential failures. The system uses the received data to create a graphical user interface (“GUI”) that represents the health of the network.
    Type: Grant
    Filed: March 25, 2024
    Date of Patent: July 14, 2026
    Assignee: Citibank, N.A.
    Inventors: Raja Balasubramanian, Rene Wilfredo Villatoro Escalante, Chike Gideon Okechukwu, Terry John Jenkins, Scott Taylor
  • Publication number: 20260195340
    Abstract: Systems and methods for uses and/or improvements to data transfers that mitigate and/or avoid the metadata overwrites. For example, systems and methods for data transfer operations such as those involving, but not limited to, performing multicomputer data transferring across computer networks without staging servers, synthetically generating metadata subject to multicomputer data transferring across computer networks, or performing multicomputer data transfer across computer networks for real-time metadata ingestion. The systems and methods first load data into a buffer and then stream it directly to the target location. By performing data transfers by first loading data into a buffer and then streaming it directly to the target location, the system avoids many metadata-preservation challenges because the data is treated as a raw byte stream rather than as an object being rewritten by the storage system.
    Type: Application
    Filed: January 26, 2026
    Publication date: July 9, 2026
    Applicant: Citibank, N.A.
    Inventor: Justin Restivo
  • Publication number: 20260195751
    Abstract: A distributed ledger technology application can establish a first connection with a computing application executed by a banking computing infrastructure and a second connection with one or more nodes hosting a distributed ledger via a second communication protocol. The application can receive, from a client device through the through the first connection using the first communication protocol, a receive instruction to complete an asset transfer to transfer an asset from a source account hosted in the banking computing infrastructure to a DLT-based client account. The application can execute an asset conversion agent to determine whether any asset conversion is required. The application can execute an instruction generation agent to generate a new receive instruction. The application can execute a ledger agent to generate an instruction to cause the one or more nodes to add a record of the asset transfer to the distributed ledger.
    Type: Application
    Filed: March 5, 2026
    Publication date: July 9, 2026
    Applicant: CITIBANK, N.A.
    Inventors: Aseem AGRAWAL, Chirdeep Singh CHHABRA, Karim Abdelkader CHABANE, Miriam SILVER
  • Publication number: 20260195341
    Abstract: Systems and methods for uses and/or improvements to data transfers that mitigate and/or avoid the metadata overwrites. For example, systems and methods for data transfer operations such as those involving, but not limited to, performing multicomputer data transferring across computer networks without staging servers, synthetically generating metadata subject to multicomputer data transferring across computer networks, or performing multicomputer data transfer across computer networks for real-time metadata ingestion. The systems and methods first load data into a buffer and then stream it directly to the target location. By performing data transfers by first loading data into a buffer and then streaming it directly to the target location, the system avoids many metadata-preservation challenges because the data is treated as a raw byte stream rather than as an object being rewritten by the storage system.
    Type: Application
    Filed: January 26, 2026
    Publication date: July 9, 2026
    Applicant: Citibank, N.A.
    Inventor: Justin Restivo
  • Publication number: 20260195746
    Abstract: A computer-implemented method comprising receiving a transaction request from a first node within the plurality of nodes, the transaction request corresponding to a pending transaction between the first node and a second node; identifying a distributed ledger associated with the pending transaction, the distributed ledger including a first record having a hierarchy file indicating a hierarchy among the first node, the second node, and the third node; identifying a second record having an executable file to approve the transaction request received from the first node; executing the executable file, wherein the executable file is configured to retrieve data from a data source associated with the third node and analyze data to approve or deny the transaction request; and appending a third record comprising the set of transaction attributes to the distributed ledger.
    Type: Application
    Filed: August 25, 2025
    Publication date: July 9, 2026
    Applicant: CITIBANK, N.A.
    Inventor: Ryan MARSH
  • Patent number: 12676840
    Abstract: Systems and methods for uses and/or improvements to blockchain and blockchain technology, particularly to provide a scalable solution to the aforementioned security and privacy concerns. As one example, systems and methods are described herein for a double-layer restriction subnet architecture that overcomes the technical limitations of conventional blockchains, whether public or permissioned, and subnets thereof. The double-layer restriction subnet architecture comprises a series of permissioned subnets, which provides both the security/privacy benefits of permissioned blockchains but also the scalability of subnet efficiency.
    Type: Grant
    Filed: July 25, 2024
    Date of Patent: July 7, 2026
    Assignee: Citigroup Technology, Inc.
    Inventors: Aharon Baruch Haber, Shobhit Maini, Haiping Choo
  • Publication number: 20260189456
    Abstract: Systems and methods are described herein for novel uses and/or improvements for autonomous configuration of network applications on a network. When a request is received for adding a new application to the network, the system may analyze the request and identify which network devices need a change in configuration. The system may also determine, based on the request, what type of changes are needed. The system may then generate one or more commands for each identified network device and transmit those commands to each device for performing automatic network configuration for the application.
    Type: Application
    Filed: December 31, 2024
    Publication date: July 2, 2026
    Applicant: Citibank, N.A.
    Inventor: Mohamed ALSALOOM
  • Publication number: 20260189591
    Abstract: Systems and methods are described herein for novel uses and/or improvements for autonomous configuration of network applications on a network. When a request is received for adding a new application to the network, the system may analyze the request and identify which network devices need a change in configuration. The system may also determine, based on the request, what type of changes are needed. The system may then generate one or more commands for each identified network device and transmit those commands to each device for performing automatic network configuration for the application.
    Type: Application
    Filed: December 31, 2024
    Publication date: July 2, 2026
    Applicant: Citibank, N.A.
    Inventor: Mohamed ALSALOOM
  • Patent number: 12670248
    Abstract: The systems and methods disclosed herein monitor application (e.g., artificial intelligence (AI) model) operations using interactions between the application and a kernel. The systems and methods disclosed herein intercept, using a kernel interface, one or more function invocations transmitted from the application (e.g., an AI model without model modification). Event record(s) are generated for one or more functions to define process identifiers, resource interaction types, timestamps, and/or resource identifiers. Observed pattern(s) for the application are identified by comparing current event record(s) with previous record(s), and the identified observed pattern(s) are evaluated against reference pattern(s) to generate score(s). Data packet(s) that indicate observed pattern(s), corresponding score(s), and/or cryptographic digital fingerprint(s) of the one or more functions are generated. The data packet(s) are transmitted to distributed ledgers for immutable storage.
    Type: Grant
    Filed: January 21, 2026
    Date of Patent: June 30, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Randolph Myers
  • Publication number: 20260180920
    Abstract: Systems and methods disclosed herein perform privacy-preserving evaluations of artificial intelligence (AI) agents. The system identifies an auditing AI agent from a set of auditing AI agents for assessing target AI agent sets. The system obtains a data structure that defines operative boundaries for a target AI agent set and generates a reference value by applying a first transformation operation set on the data structure. The system transmits the reference value to a multi-agent storage and receives, via the multi-agent storage, a verification artifact from the target AI agent set that indicates an observed value generated by applying a second transformation operation set on an artifact set generated by the target AI agent set. The system determines, via the auditing AI agent, a verification status and responsive to a particular artifact failing to satisfy one or more assessment metrics, generates an action set to modify the target AI agent set.
    Type: Application
    Filed: February 13, 2026
    Publication date: June 25, 2026
    Applicant: Citibank, N.A.
    Inventors: Ganesh Prasad BHAT, James Randolph MYERS
  • Patent number: 12664263
    Abstract: The systems and methods disclosed herein monitor application (e.g., artificial intelligence (AI) model) operations using interactions between the application and a kernel. The systems and methods disclosed herein intercept, using a kernel interface, one or more function invocations transmitted from the application (e.g., an AI model without model modification). Event record(s) are generated for one or more functions to define process identifiers, resource interaction types, timestamps, and/or resource identifiers. Observed pattern(s) for the application are identified by comparing current event record(s) with previous record(s), and the identified observed pattern(s) are evaluated against reference pattern(s) to generate score(s). Data packet(s) that indicate observed pattern(s), corresponding score(s), and/or cryptographic digital fingerprint(s) of the one or more functions are generated. The data packet(s) are transmitted to distributed ledgers for immutable storage.
    Type: Grant
    Filed: January 21, 2026
    Date of Patent: June 23, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Randolph Myers
  • Patent number: 12664204
    Abstract: The systems and methods disclosed herein orchestrate memory sharing among autonomous (or semi-autonomous) AI agentic models (“agents”) by dynamically organizing agent memories based on operational characteristics, taxonomic classifications, and/or other factors. Received operational data (e.g., token sets) are mapped to predefined taxonomic nodes (e.g., taxonomic node subsets) based on a degree of similarity between the operational data and predefined taxonomic nodes. An ontological reference pointer is determined for the operational data based on a position of the taxonomic node subset within the ontological data structure. The operational data is compressed into a memory capsule data structure using the ontological reference pointer. A blockchain transaction identifier is generated for the memory capsule data structure and stored in a distributed network accessible to multiple agents.
    Type: Grant
    Filed: September 12, 2025
    Date of Patent: June 23, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Myers, Prashant Praveen
  • Patent number: 12665897
    Abstract: Machines, devices, and other objects are configured to use authorization tokens to verify object identities without human input. In examples, the object uses a password to validate the object's identity to an authorization server to obtain an access token for use in multiple applications. In another example, the object uses a certificate to validate the object's identity to an authorization server to obtain an access token. In other examples, any other suitable identifying data may be used to validate the object's identity to an authorization server to obtain an access token. The process of using passwords, certificates, or other validation processes to obtain tokens or other authorization mechanisms allows the object to authenticate themselves without human interaction and to use a single identity to access services from multiple service providers that trust a central authorization server.
    Type: Grant
    Filed: March 25, 2024
    Date of Patent: June 23, 2026
    Assignee: CITIGROUP TECHNOLOGY, INC.
    Inventors: Sandeep Nair, Matthew E. Nunn, Julio Caraballo, Jason Edward Morris, Udaya Chandupatia, Partha S. Peddi
  • Patent number: 12665699
    Abstract: Methods and systems for cloud-based resource transmission are disclosed. A system may receive a resource allocation message from a computing device in a source encoding. The message may be transformed into a destination encoding using a transformation map to generate an encoded message. The encoded message may be transmitted to a message processing system. An error message with an error code may be received in response. The system may determine which message caused the error based on the error code. It may be determined that the first computing device caused the error. An indication of the error code may be transmitted to the first computing device. This approach may enable efficient handling and error resolution for resource allocation messages across multiple encodings and devices.
    Type: Grant
    Filed: March 3, 2026
    Date of Patent: June 23, 2026
    Assignee: Citibank, N.A.
    Inventors: Matthew Smalley, Charles C. Tsai, Keshava Kottapally
  • Patent number: 12664543
    Abstract: A computer-implemented method comprising receiving a first event request corresponding to a pending event between a first computing device and a second computing device, the first event request comprising a first set of event attributes corresponding to the pending event; transmitting, each of a plurality of first subsets of event attributes to a different set of nodes; receiving a second event request corresponding to the pending event between the first computing device and the second computing device; and transmitting each of the plurality of second subsets of event attributes to a different set of the plurality of sets of nodes, wherein each of the plurality of sets of nodes compares the first subset of event attributes that the set of nodes receives with the second subset of event attributes that the set of nodes receives; and a block instance corresponding to the pending event to a blockchain.
    Type: Grant
    Filed: May 21, 2024
    Date of Patent: June 23, 2026
    Assignee: CITIBANK, N.A.
    Inventor: Shishir Singh
  • Patent number: 12664264
    Abstract: The systems and methods disclosed herein monitor application (e.g., artificial intelligence (AI) model) operations using interactions between the application and a kernel. The systems and methods disclosed herein intercept, using a kernel interface, one or more function invocations transmitted from the application (e.g., an AI model without model modification). Event record(s) are generated for one or more functions to define process identifiers, resource interaction types, timestamps, and/or resource identifiers. Observed pattern(s) for the application are identified by comparing current event record(s) with previous record(s), and the identified observed pattern(s) are evaluated against reference pattern(s) to generate score(s). Data packet(s) that indicate observed pattern(s), corresponding score(s), and/or cryptographic digital fingerprint(s) of the one or more functions are generated. The data packet(s) are transmitted to distributed ledgers for immutable storage.
    Type: Grant
    Filed: January 21, 2026
    Date of Patent: June 23, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Randolph Myers
  • Patent number: 12664433
    Abstract: The present disclosure provides systems and methods for hierarchical multi-level model distillation that create specialized artificial intelligence models from large language models. A hierarchy for generating specialized generative models from a large language model is determined, including models associated with different categories and complexity levels for tasks with varying computational requirements. The specialized models are trained using the large language model based on specific categories to provide responses to category-related requests. Each model is pruned based on complexity levels to enable responses to requests of varying complexity. The models are quantized from common precision factors to corresponding precision factors associated with complexity levels. Deployment locations are determined for each pruned model based on complexity levels. Specialized models are transmitted to corresponding locations for deployment across diverse computational environments.
    Type: Grant
    Filed: October 29, 2025
    Date of Patent: June 23, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, Nikhil Arunkumar Joshi, Venkata Uttam Kumar Chunduri, Yinan Zhai, Zainab Vora
  • Publication number: 20260170860
    Abstract: Presented herein are systems and methods for the employment of machine learning models for image processing as may be performed by computing devices associated with an end user. A method may include obtaining video data comprising a plurality of frames including a document of a document type. The method may include executing an object recognition engine of a machine-learning architecture using image data of the plurality of frames, the object recognition engine trained to detect edges of documents. The method may include identifying, based on the edge detection, a plurality of boundaries for the document. The method may include validating, based on the plurality of boundaries, the document as the document type. The method may include transmitting via one or more networks, to a computer remote from the computing device, responsive to the validation of the type of document, the image data for the plurality of frames depicting the document.
    Type: Application
    Filed: February 9, 2026
    Publication date: June 18, 2026
    Applicant: Citibank, N.A.
    Inventors: Ashutosh K. SUREKA, Venkata Sesha Kiran Kumar ADIMATYAM, Miriam SILVER, Daniel FUNKEN
  • Publication number: 20260169956
    Abstract: A network system to analyze a combined output of various input files from data-based applications. The system provides custom profiling of the data from each application based on an application of one or more sets of rules. The system stores the data from any other number of applications in a base level of granularity to allow direct comparison of the data from each application output. Because the data is stored at a same level of granularity, the data may be compared or processed regardless of the application from which the data is received. The system applies rules to compare the data across the applications to identify outliers, trends, or commonalities. The system may also search for and identify data fitting a specific rule across the applications to extract, modify, or label the data. The system provides a visualization of the data based on the rules applied.
    Type: Application
    Filed: February 6, 2026
    Publication date: June 18, 2026
    Applicant: Citibank, N.A.
    Inventors: Robin J. KURIAN, Neelima RATH, MadhuShalini KURUGANTHY, Jamaal D. MARSHALL
  • Publication number: 20260162109
    Abstract: A computer-implemented method for seamlessly processing transactions using distributed ledger technology. The method may comprise: linking one or more conventional accounts hosted in a conventional banking infrastructure to one or more DLT-based client accounts hosted on a distributed ledger, wherein the DLT application comprises a routing address configured to be used in conventional transaction infrastructure using conventional communication protocols; storing one or more wallet identifications for the one or more DLT-based client accounts and a mapping of the one or more wallet identifications to the one or more conventional accounts hosted in the conventional banking infrastructure; exchanging a sequence of messages to execute an asset transfer and complete a transaction lifecycle, the sequence of messages based on the first asset type; updating the distributed ledger based on the asset transfer; and sending appropriate messages to clients.
    Type: Application
    Filed: January 26, 2026
    Publication date: June 11, 2026
    Applicant: CITIBANK, N.A.
    Inventors: Aseem AGRAWAL, Chirdeep Singh CHHABRA, Karim Abdelkader CHABANE
  • Patent number: 12650895
    Abstract: The present disclosure provides a malfunction interdiction system with monitoring, detection, and response capabilities specifically designed for distributed AI environments. The system may first detect any AI agents that are malfunctioning and then remediate any malfunctions via quarantine and/or AI agent termination. Upon detection of a malfunction, the system may automatically isolate the compromised agent through a quarantine process that modifies network configuration settings to block communication with network devices while maintaining connectivity to monitoring systems for forensic analysis and potential remediation. The system may additionally or alternatively initiate graduated deactivation procedures ranging from partial restrictions to full deactivation.
    Type: Grant
    Filed: October 2, 2025
    Date of Patent: June 9, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Myers
  • Patent number: 12651078
    Abstract: Systems, methods, and devices for monitoring and controlling communications between autonomous agents are disclosed. The system monitors real-time communications between autonomous agents, intercepting and recording each communication. Communications are translated to a standardized language and processed through communication protocol filters that evaluate compliance with predefined operational policies. The system parses each translated communication to identify policy violations. When violations are detected, the system modifies communications to ensure compliance with operational policies. All communications and modifications are recorded via distributed ledger technology for audit and accountability purposes. This approach enables comprehensive oversight of autonomous agent interactions while maintaining tamper-proof records of all monitoring and control activities.
    Type: Grant
    Filed: October 20, 2025
    Date of Patent: June 9, 2026
    Assignee: Citibank, N.A.
    Inventors: Manjit Rajaretnam, Sofia Rahman, William Cameron, Imir Arifi, James Myers
  • Patent number: 12652172
    Abstract: The technology is directed to a system for separately encrypting parameters of an access token. The system may receive a request for an access token and may determine computing devices for receiving the access token and sets of parameters that each computing device is to access. The system may identify encryption keys associated with the computing devices. Each computing device may store a corresponding decryption key for decryption a corresponding set of parameters. The system may encrypt each set of parameters using a corresponding encryption key to generate encrypted sets of parameters. The system may generate the access token by adding the encrypted sets of parameters to the access token. The system may then transmit the access token to a requesting device.
    Type: Grant
    Filed: May 17, 2024
    Date of Patent: June 9, 2026
    Assignee: Citibank, N.A.
    Inventors: Tuan Quoc Dao, Mayank Dinesh Shah
  • Publication number: 20260154526
    Abstract: The systems and methods disclosed herein orchestrate task execution among autonomous (or semi-autonomous) AI agentic models (“agents”) using a gateway router that dynamically coordinates the agents based on prompt characteristics, user context, and/or real-time operational factors. Received inputs (e.g., prompts) are segmented into subcomponents (e.g., sub-queries), which are routed/mapped to candidate agents based on the output parameters of the subcomponent (e.g., performance thresholds, cost thresholds) and operational parameters (e.g., cost, performance metric values, user access restrictions, timing restrictions) of each agent. The gateway router maintains dynamic routing data structures for each agent that are continuously updated based on environmental stimuli (e.g., geo-political stimuli, sensor stimuli, agent stimuli). For example, the gateway router causes agents to dynamically switch between rule engines identified by the routing tables in response to detecting environmental stimuli.
    Type: Application
    Filed: January 23, 2026
    Publication date: June 4, 2026
    Applicant: Citibank, N.A.
    Inventors: James MYERS, Ganesh Prasad BHAT, Sourabh DEB, Jason ENGELBRECHT, Zheyu WANG, Haolin JIN
  • Publication number: 20260156054
    Abstract: Presented herein are systems and methods for managing networked environments. A computer system may maintain a plurality of process flows to manage a plurality of services in a network. Each respective process flow of the plurality of process flows may identify: (i) a respective trigger to invoke the respective process flow to initiate a first process of a plurality of processes on at least one of the plurality of services. The computing system may select, responsive to detecting a trigger, a process flow from the plurality of process flows based on the trigger. The computing system may execute, in accordance with the process flow, at least one process of the plurality of processes on at least one of the plurality of services in the network.
    Type: Application
    Filed: January 21, 2026
    Publication date: June 4, 2026
    Applicant: Citigroup Technology, Inc.
    Inventors: Ashim KANTAL, Sunny BEHL, Suresh Kanyaka BILLA, Sandeep RAVI
  • Patent number: 12645733
    Abstract: Techniques and systems described herein relate to data storage and contextual retrieval of images in a database. In one example, an image is stored along with a unique vector embedding to a database. The image can then be retrieved based on a similarity between an input query and the image or the unique vector embedding.
    Type: Grant
    Filed: August 11, 2025
    Date of Patent: June 2, 2026
    Assignee: Citibank, N.A.
    Inventors: Vishal Mysore, Sumit Sood
  • Patent number: 12645805
    Abstract: Systems and methods for generating and testing on-chain programs are disclosed herein. A system for generating on-chain programs may receive a request to generate on-chain program code for an on-chain program and determine a model required for the program. The system may retrieve functions associated with the model and determine blockchain operations to be added to the program. The system may determine parameters for blockchain operations and generate on-chain program code. A system for testing on-chain programs may install an on-chain program onto a test blockchain and retrieve functions associated with a model generated for testing. The system may generate blockchain operations for testing and input each operation into a cryptography-based storage application. The system may cause execution of the operations and receive results. Based on determining that a number of failed results exceed a threshold, the system may generate a notification.
    Type: Grant
    Filed: February 27, 2025
    Date of Patent: June 2, 2026
    Assignee: Citibank, N.A.
    Inventor: Alex McMahon
  • Patent number: 12645560
    Abstract: A set of software criteria including a condition that a software test be successfully performed prior to deploying a software package to a user device and location information indicating a storage location for status information of the software test is obtained. A testing status of the software package is analyzed using the status information at the storage location and software package is deployed to the user device as a result of the testing status confirming that the condition has been met in response to a request to deploy the software package to the user device.
    Type: Grant
    Filed: July 3, 2024
    Date of Patent: June 2, 2026
    Assignee: Citigroup Inc.
    Inventors: Adar K Danait, Ajay Kumar Tumukuntala, Akshatha Ramesh Shenoy, Ashwin Perappa Prashanth, Danielle A La Rue, Flora P Sah, Heather Marie Robison Joshi, Maneet Sharma, Pavithra Araleri Visweswariah, Radhika Shetty, Varaha Venkata Ganeswara Pitla, Vitthal Ramling Betgar
  • Patent number: 12641106
    Abstract: Presented herein are system and methods for detecting anomalies in microservices. A server may receive a first plurality of metrics from a microservice of a plurality of microservices. Each of the microservices may provide a respective function for an application independently from other microservices. The server may apply the first plurality of metrics to an ensemble of anomaly detection models to generate classifications. Each of the classifications may indicate the first plurality of metrics as one of anomalous or normal from a respective model of the ensemble. The ensemble may be trained using a second plurality of metrics from the microservice. The server may identify a majority of the plurality of classifications as indicating the first plurality of metrics as anomalous. The server may determine that at least one of the first plurality of metrics satisfies a threshold. The server may generate an alert to indicate an anomaly event.
    Type: Grant
    Filed: August 5, 2024
    Date of Patent: May 26, 2026
    Assignee: CITIBANK, N.A.
    Inventors: Sunny Behl, Hariharan Badrinathan
  • Patent number: 12639624
    Abstract: Computer-automated tools to assist machine learning model development may be suitable for users without domain expertise or specialized expertise in particular model types. An initial grid search via gradient boosting is applied to a source data set and target to generate a reduced search space including prioritized set of features ranked by importance value. A genetic algorithm searches the supervised learning classification problem space with various model choices and feature engineering. AI model training techniques may include machine learning test models, test hyperparameters, and network architectures. Feature engineering generates new features, and model development promotes features with fitness scores satisfying a defined threshold. Feature engineering may employ feature combinations, scaling, normalization, and feature convolutions. ML model development may apply a genetic operator including one or more of crossover, mutation, and selection.
    Type: Grant
    Filed: February 11, 2022
    Date of Patent: May 26, 2026
    Assignee: Citicorp Credit Services Inc. (USA)
    Inventor: Richard Alvarez
  • Patent number: 12639139
    Abstract: Systems and methods are disclosed comprising techniques for preliminary signal evaluation, such as generating a first session record for a first environment state for the user runtime session, retrieving a second session record for a second environment state for prior user runtime sessions, inputting the first and the second session records into a first generative model to generate a predicted session event set for the user runtime session, selectively determining a prioritized session event from the predicted session event set based on comparing realization parameters of the predicted session event set, inputting the prioritized session event and the first environment state into a second generative model to generate a preliminary session event for execution during the user runtime session, and when the environment state of user runtime session satisfies activation criterions of the preliminary session event, executing the preliminary session event prior to execution of the prioritized session event.
    Type: Grant
    Filed: October 31, 2025
    Date of Patent: May 26, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Randolph Myers
  • Publication number: 20260140790
    Abstract: Presented herein are system and methods for configuring data records of application programming interface (API) specifications for applications in network environments. A service may retrieve data associated with a first API for a first plurality of functions. The service may execute a generative model using the data associated with the first API to generate a first plurality of embeddings corresponding to a first API specification. The service may identify, from a database, a second plurality of embeddings corresponding to a second API specification for a second API that defines a second plurality of functions available for invocation to the one or more applications. The service may determine a redundancy between the first API specification and the second API specification using the first plurality of embeddings and the second plurality of embeddings. The service may select an API from one of the first API and the second API.
    Type: Application
    Filed: January 13, 2026
    Publication date: May 21, 2026
    Applicant: CITIBANK, N.A.
    Inventors: Jaya C. CHILAKAMARRI, David R. CHARLES, Usha S. YELLAPU, Miriam SILVER
  • Publication number: 20260142933
    Abstract: Systems and methods disclosed herein perform privacy-preserving evaluations of artificial intelligence (AI) agents. A first AI agent associated with a first entity obtains a machine-readable data structure defining one or more operative boundaries for a second AI agent associated with a second entity. The system generates a unique fixed reference value representing the machine-readable data structure by applying a first transformation operation set, and transmits the unique fixed reference value to a multi-agent storage to store the value. The system receives, via the multi-agent storage, a verification artifact from the second AI agent that indicates an observed value based on internal operational data of the second AI agent corresponding to the operative boundaries.
    Type: Application
    Filed: January 9, 2026
    Publication date: May 21, 2026
    Applicant: Citibank, N.A.
    Inventors: Ganesh Prasad BHAT, James Randolph MYERS
  • Publication number: 20260140791
    Abstract: Presented herein are systems and methods for integrating model context protocols (MCPs) for use in network environments. A server may retrieve a data file comprising an MCP schema defining a plurality of functions of a MCP for a generative model for use in a network environment. The server may identify, from a plurality of domains, a domain using the MCP schema in the data file. The server may select, from a plurality of policies corresponding to the plurality of domains, a policy which the MCP schema is to be validated based on the domain. The server may determine that the MCP schema for the MCP is validated in the policy. The server may configure, based on determining that the MCP schema is validated, a data record on a database to indicate an approval of the MCP for use in the network environment.
    Type: Application
    Filed: January 13, 2026
    Publication date: May 21, 2026
    Applicant: CITIBANK, N.A.
    Inventors: Jaya C. CHILAKAMARRI, David R. CHARLES, Usha S. YELLAPU, Miriam SILVER
  • Patent number: 12632310
    Abstract: Methods and systems for dividing computational tasks across multiple artificial intelligence agents are disclosed herein. A routing system may receive requests for executing computational functions that include function execution instructions and request data indicators. The system may detect multiple sets of boundaries within the request data, with each boundary set corresponds to the computational function. Data fragments may be generated using these boundaries, with each fragment overlapping neighboring fragments to minimize semantic disruption. An execution map may be created that assigns sub-functions to different artificial intelligence agents based on corresponding sub-functions for each data fragment. A dependency graph may be generated to indicate the execution order of sub-functions. The system may transmit data fragments and metadata to artificial intelligence agents based on the dependency graph and execution map.
    Type: Grant
    Filed: September 12, 2025
    Date of Patent: May 19, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, Ramee S. Karthikeyan, Nikhil Arunkumar Joshi
  • Patent number: 12634152
    Abstract: Methods and systems for routing execution requests to autonomous artificial intelligence agents using performance-based selection are disclosed herein. An agent routing system may receive a prompt for completing an action using artificial intelligence agents from a plurality of agents, where each agent may be associated with computer-executable operations configured for autonomous execution on software applications. The system may determine a set of agents enabled to complete the requested action and may access action completion datasets for these agents. Each dataset may include action parameters for completed actions, including status parameters indicating successful completion and timestamps of completion. The system may select an artificial intelligence agent based on a frequency composite parameter generated from successful completion status parameters and a time composite parameter indicating completion timing.
    Type: Grant
    Filed: September 22, 2025
    Date of Patent: May 19, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, Imir Arifi, James Myers, Sofia Rahman
  • Patent number: 12632309
    Abstract: Systems and methods for time-based resource allocation are disclosed herein. A system receives requests for intermediate allocation of a set of resources during a first period of time. Each request may include a target entity to receive a portion of the intermediate allocation and a user-linked resource token. The system determines a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period is elapsed. During the first period, the system transfers the set of resources to target entities. During a second period, the system receives a message from a target entity indicating a return of at least a portion of the intermediate allocation. The system updates the set of resources and calculates an updated first subset of resources. Responsive to determining that the second period is elapsed, the system may automatically transmit a resource allocation command configured to trigger final allocation.
    Type: Grant
    Filed: July 18, 2025
    Date of Patent: May 19, 2026
    Assignee: Citibank, N.A.
    Inventors: Michael Draayer, Stephanie G. Smith, Shankar Ramachandran
  • Patent number: 12632301
    Abstract: Presented herein are system and methods for handling processing of data in cloud environments. A server receives a first dataset generated in response to a function of a first application. A server generates a set of identifiers defining a sequence of processing of the first dataset associated with the function. The identifiers include a first identifier indicating the first application as a predecessor for the first dataset and a second identifier indicating a second application as a successor for the first dataset. The server identifies the second application corresponding to the second identifier as the successor for processing the first dataset. The server communicates at least a portion of the first dataset with a second server hosting the second application to receive a second dataset generated by the second application. The server stores the second dataset in the cloud environment.
    Type: Grant
    Filed: March 18, 2024
    Date of Patent: May 19, 2026
    Assignee: CITIBANK, N.A.
    Inventors: Hansraj Jain, Ma Jun, Rajagopalan Premkumar, Vidyalakshmi Pathai Ramakrishnan
  • Patent number: 12632351
    Abstract: Systems and methods for dynamic agentic disruption processing are disclosed. In some implementations, the system identifies a contingency graph that links an agent issuing an agent request with a plurality of compute clusters including a primary compute cluster executing the agent request and a mirrored compute cluster. The system generates a disruption score for the primary compute cluster based on information associated with the agent request. The system, responsive to the disruption score satisfying a condition, transfers to the mirrored compute cluster control of the agent and the agent state tied to the agent request. The system directs execution of the agent request from the mirrored compute cluster using the security context for the agent such that the agent state remains encrypted in transit and at rest.
    Type: Grant
    Filed: October 31, 2025
    Date of Patent: May 19, 2026
    Assignee: Citibank, N.A.
    Inventors: Ganesh Prasad Bhat, James Randolph Myers
  • Publication number: 20260135853
    Abstract: A network system to provide mutable access tokens for access requests that eliminate a need for token replacement. The system allows an access token to be changed to update data in the token. When data stored with the token changes, such as when a user or partner has a change in status, a new token is not required to be requested, generated, dispersed, or stored. Conventional systems refuse the API call request and require the new token be provided. The described system instead completes the request while simultaneously notifying the user to subsequently retrieve an updated access token. Requesting, generating, communicating, and presenting a new token requires additional time, bandwidth, computing capacity, and system interactions. While performing new token acquisition in conventional systems, devices are forced to perform additional interactions, which may result in a time delay or in one or more devices exceeding capacity, becoming overloaded, and seizing.
    Type: Application
    Filed: January 9, 2026
    Publication date: May 14, 2026
    Applicant: CITICORP CREDIT SERVICES, INC. (USA)
    Inventors: Mayank SHAH, Gayathri SUNDAR, Vernon MILLER, Abhishek ACHARYA
  • Publication number: 20260134708
    Abstract: Presented herein are systems and methods for the employment of machine learning models for image processing. A mobile application for client-side image processing and validation, which interacts with and leverages native image processing software of the client device, where the image processing software and the mobile application include any number of machine-learning models for identifying a document and attributes of the document for recognition and validation. This mobile application uses the image processing software from a client operating system to control the camera. The image processing software generates various types of information about a video frame and the document, and the mobile application invokes APIs or software libraries of the image processing software to access the information and validate the frame and document.
    Type: Application
    Filed: January 6, 2026
    Publication date: May 14, 2026
    Applicant: Citibank, N.A.
    Inventors: Ashutosh K. SUREKA, Venkata Sesha Kiran Kumar ADIMATYAM, Miriam SILVER, Daniel FUNKEN, Toan PHAM, Vicky KAPADIA, Sakthivel PALANIVEL, Anurag BHAKOO
  • Patent number: 12626259
    Abstract: Methods and systems for network analysis, modeling, and visualization of electronic data involve using a machine learning algorithm for generating, in a relationship visualization aspect of a graphical user interface, a visualization consisting at least in part of a plurality of icons, each icon representing an interacting entity, and activating a visualization consisting at least in part of an element disposed between each of a plurality of pairs of the plurality of icons representing interactions between the users. The machine learning algorithm identifies communities of users based on created models of each interacting user. The machine learning algorithm displays the visualization based on predictions of how the display will be acknowledged by a viewer. The machine learning algorithm makes predictions of how an interacting user and the community will evolve over time.
    Type: Grant
    Filed: August 26, 2024
    Date of Patent: May 12, 2026
    Assignee: Citigroup Technology, Inc.
    Inventors: Paola Gittino, William George Cormier, Steve Thomas Dayton, Miriam Silver
  • Publication number: 20260127583
    Abstract: Systems and methods for communication of electronic data in which one or more memory-coupled entity processors programmed to execute a stateless application that persists no data except configuration data in the stateless application and causes the at least one entity processor to receive data in a first format from a data source to which the stateless application executing on the at least one entity processor is loosely coupled; translate the received data to a second format for a data destination; and submit the data in the second format to the data destination to which the stateless application executing on the at least one entity processor is also loosely coupled.
    Type: Application
    Filed: December 31, 2025
    Publication date: May 7, 2026
    Applicant: Citibank, N.A.
    Inventors: Alex MCMAHON, Paul CAREY, Archana LOGANATHAN, Wayne CROMBIE