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- Citigroup Patents Granted: Citigroup patents that have been granted by the United States Patent and Trademark Office (USPTO).
- Citigroup Patent Applications: Citigroup patent applications that are pending before the United States Patent and Trademark Office (USPTO).
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Publication number: 20250053953Abstract: Techniques are provided for performing automated operations to identify one or more computing devices associated with potential payees that are within a defined proximity of a user mobile device. Potential payees may include individuals and merchant point-of-sale computing systems. A processor-based computing system retrieves stored photographic and biographic information regarding the identified potential payees, and displays the retrieved photographic and biographic information for possible selection by a user of the mobile device. One or more payments from the user of the mobile device may be specified and initiated via the processor-based computing system to potential payees selected by the user, including for partial or full payment of a customer order of the user with a merchant associated with an identified point-of-sale computing system.Type: ApplicationFiled: October 28, 2024Publication date: February 13, 2025Applicant: CITIBANK, N.A.Inventor: Therman WHEELER
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Publication number: 20250055852Abstract: 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: ApplicationFiled: October 28, 2024Publication date: February 13, 2025Applicant: CITICORP CREDIT SERVICES, INC. (USA)Inventors: Mayank SHAH, Gayathri SUNDAR, Vernon MILLER, Abhishek ACHARYA
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Patent number: 12223063Abstract: Systems and methods for measuring, grading, evaluating, and comparing AI models via a graphical user interface are disclosed. The technology obtains a set of application domains of the AI model in which an AI model will be used. The application domains are mapped to one or more guidelines to determine a set of guidelines that define operational boundaries of the AI model. The guidelines are used to generate assessment domains, each associated with specific benchmarks that include indicators of a degree of satisfaction with the guidelines. For each assessment domain, assessments are constructed to evaluate the AI model's degree of satisfaction with the corresponding guidelines. The AI model is then evaluated against the assessments. Based on these comparisons, grades are assigned to the AI model for each assessment domain. The application-domain-specific grades are generated and displayed at a GUI, reflecting the AI model's degree of satisfaction with the guidelines.Type: GrantFiled: June 10, 2024Date of Patent: February 11, 2025Assignee: CITIBANK, N.A.Inventors: James Myers, William Franklin Cameron, Miriam Silver, Prithvi Narayana Rao, Pramod Goyal, Manjit Rajaretnam
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Patent number: 12225026Abstract: Methods and descriptions are described herein for using user-specific parameters to detect malicious activity in an interaction by a user. In particular, the system may receive user action data representing user actions for users relative to applications. The system may generate, using first user action data representing first user actions of a first user, parameters specific to the first user for determining whether interactions of the first user represent malicious activity. The system may receive, for the first user, a request for a pending interaction with a particular application. The system may then use a first user model trained on the first user action data to identify a set of parameters for identifying the malicious activity. The system may validate the request, in real time, by using the set of parameters to generate a likelihood that the request represents malicious activity.Type: GrantFiled: October 11, 2024Date of Patent: February 11, 2025Assignee: Citibank, N.A.Inventors: Rongrong Zhou, Ganesh Babu Gopal
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Publication number: 20250047836Abstract: Systems and methods for performing data analytics on sensitive data, such as deduplication are disclosed herein. A first request to perform a first data analytics operation for a set of sensitive data instances may be received. A first set of image representations for the set of sensitive data instances may be retrieved. A first sensitive data instance and a second sensitive data instance may be clustered into a first cluster. The first data analytics operation may be performed on the first cluster.Type: ApplicationFiled: October 18, 2024Publication date: February 6, 2025Applicant: Citibank, N.A.Inventors: Leena Mary Francis, Vaibhav Kumar, Ashutosh Pandey
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Publication number: 20250045307Abstract: Systems and methods for providing an artificial intelligence-based solution in a dynamic environment that requires models with varying degrees of nuance and specialization. One such dynamic environment relates to generating dynamic human-like conversational responses based on complex data. In particular, systems and methods recite generating dynamic human-like conversational responses using a modular architecture featuring layered data models with gated neural networks. The modular architecture compartmentalizes the various components and functions of an application. That is, the architecture may support multiple layers, each featuring models performing specific functions and/or having been trained on using specific data and/or algorithms.Type: ApplicationFiled: October 18, 2024Publication date: February 6, 2025Applicant: Citibank, N.A.Inventor: Joenteny David Martinez Gutierrez
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Publication number: 20250045667Abstract: Systems and methods are described for a three-tiered artificial intelligence architecture that synchronizes processing statement deployment across diverse computer networks. The system may receive, at a user interface, a first request for a first recommendation. The first recommendation includes a set of standardized processing statements for implementing on a function. The system may input the first request into a first network component. The first network component includes first, second, and third models. The first model is trained to generate a library of standardized processing statements. The second model is trained to generate a plurality of standardized processing characteristic values for each standardized processing statement in the library. The third model is trained to generate recommendations of sets of standardized processing statements to functions. The system receives an output from the first network component and generates for display the first recommendation based on the output.Type: ApplicationFiled: October 18, 2024Publication date: February 6, 2025Applicant: Citibank, N.A.Inventors: Maneet Sharma, Flora Sah, Adar Kiran Danait, Ashima Gupta, James Iacona, Crystal Lynn Magruder, Tracy L. Yager
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Publication number: 20250045698Abstract: Systems and methods for a software development lifecycle traceability tool. In some aspects, the system may implement a traceability tool that generates a system data stream for an SDLC management platform that stitches together source data from multiple sources, trains a machine learning model to generate progress information and execution risks for a user story on the SDLC management platform, generates a graphical user interface with information for each user story and corresponding progress tracking indicia based on output from the machine learning model, and generates an event-based view of prior actions for each user story and one or more recommended actions to address execution risks.Type: ApplicationFiled: October 24, 2024Publication date: February 6, 2025Applicant: Citibank, N.A.Inventors: Mayank VINAYAKA, Ryan PETERMAN, Badari Narayana SHANKA PRASAD, Richard LAWTON, Vitthal Ramling BETGAR, Adar DANAIT, Balaji KUMAR, Robin J. KURIAN, Maneet SHARMA, Anantha VEERASAMI
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Publication number: 20250036472Abstract: Methods and systems are described herein for generating and assigning resources based on timestamps. A plurality of permission messages associated with a plurality of authorization events may be received with each permission message including an authorization timestamp indicating a generation time of a corresponding permission message. In addition, a plurality of data records may be received with each data record including a corresponding plurality of parameters. Based on the permission messages and the data records, a resource multiplier is generated, and resources assigned to each data record are multiplied based on the resource multiplier.Type: ApplicationFiled: October 16, 2024Publication date: January 30, 2025Applicant: Citibank, N.A.Inventors: Shashikiran Budnahatti Veerabhadrappa, Tuan Dao
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Patent number: 12210858Abstract: The systems and methods provide a model deployment criterion. The model deployment criterion indicates a difference in a value against which the proxy model may be measured to determine when, if ever, the proxy model should be deployed to replace the existing rule engine. The model deployment criterion may be keyed to the proxy model (e.g., based on a difference in its size, throughput speed, number of changes, etc.), the existing rule engine (e.g., based on a difference in its age, update occurrences to its rule base, etc.), and/or comparisons between models (e.g., based on differences in results, throughput speed, efficiency, etc.).Type: GrantFiled: July 23, 2024Date of Patent: January 28, 2025Assignee: Citibank, N.A.Inventors: Miriam Silver, James Myers
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Patent number: 12210949Abstract: The systems and methods provide a model deployment criterion. The model deployment criterion indicates a difference in a value against which the proxy model may be measured to determine when, if ever, the proxy model should be deployed to replace the existing rule engine. The model deployment criterion may be keyed to the proxy model (e.g., based on a difference in its size, throughput speed, number of changes, etc.), the existing rule engine (e.g., based on a difference in its age, update occurrences to its rule base, etc.), and/or comparisons between models (e.g., based on differences in results, throughput speed, efficiency, etc.).Type: GrantFiled: July 23, 2024Date of Patent: January 28, 2025Assignee: Citibank, N.A.Inventors: Miriam Silver, James Myers
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Patent number: 12210501Abstract: Systems and methods for a programming language-agnostic data modeling platform that is both less resource intensive and scalable. Additionally, the programming language-agnostic data modeling platform allows for advanced analytics to be run on descriptions of the known logical data models, to generate data offerings describing underlying data, and to easily format data for compatibility with artificial intelligence systems. The systems and methods use a supplemental data structure that comprises logical data modeling metadata, in which the logical data modeling metadata describes the logical data model in a common, standardized language. For example, the logical data modeling metadata may comprise a transformer lineage of the logical data model.Type: GrantFiled: September 20, 2024Date of Patent: January 28, 2025Assignee: Citibank, N.A.Inventors: Chuan Li, James Boyd Adams, Yan Liu, Peter Huang, Alicia Wang
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Patent number: 12212136Abstract: Systems and methods are described herein for novel uses and/or improvements to artificial intelligence applications in an environment with limited or no available data. In particular, systems and methods are described herein for providing network arrangement recommendations based on power consumption predictions for selected applications within network arrangements featuring devices with non-homogeneous or unknown specifications.Type: GrantFiled: December 7, 2023Date of Patent: January 28, 2025Assignee: Citibank, N.A.Inventors: Adam Hess, Dawid Orczyk, Dominik Wojnarowski, Krzysztof Andrzejewski, Pawel Chrabonszcz
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Publication number: 20250028619Abstract: Systems and methods for data corroboration and forecasting in which a sever generates structured customer feedback data from unstructured customer verbatim data and uses unsupervised machine learning modeling techniques to identify similar word clusters within the structured customer feedback data, classifies the identified word clusters into multiple categories of customer issues, and detects one or more trending customer issues within the multiple categories. The server may also retrieve web/mobile application usage analytics data and system logs data and use unsupervised machine learning modeling techniques to corroborate customer web/mobile navigation and service issues associated with the structured customer feedback data.Type: ApplicationFiled: October 7, 2024Publication date: January 23, 2025Applicant: CITICORP CREDIT SERVICES, INC. (USA)Inventors: Rajendra Kishore THOTA, Anirban Dhar CHOWDHURY, Keerthivasan RAJAGOPALAN, Bhanuprakash Reddy NALAMADGU, Ashutosh SUREKA, Shadman ZAFAR
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Patent number: 12204855Abstract: A document is obtained that include natural language text and a set of conditions are extracted from the document. In at least one embodiment, the set of conditions is extracted using a machine learning model trained on other natural language text. A validation process is performed to result in a validated set of conditions and a machine-readable data structure is generated to indicate one or more conditions of the validated set of conditions expressed within the document.Type: GrantFiled: September 3, 2024Date of Patent: January 21, 2025Assignee: Citigroup Inc.Inventors: Ernst Wilhem Spannhake, II, Gayathri Venkat, Hiten Jayantilal Shah, Thomas Francis Gianelle
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Patent number: 12204565Abstract: A system facilitates a process for automatically generating artificial intelligence (AI) models. The system receives a first natural language input from a user that includes a set of phrases and an instruction to analyze data associated with the set of phrases using an AI model. The system accesses a metadata graph to determine a node corresponding to the set of phrases, where nodes in the metadata graph indicate internal data objects stored in data silos. The system processes the internal data objects indicated by the determined node to generate a first set of application data. The AI model is applied to the first set of application data to generate one or more outputs. Additional user inputs can be received to modify the first set of application data and apply the AI model to the modified data, until a desired data pipeline for the model has been constructed.Type: GrantFiled: September 17, 2024Date of Patent: January 21, 2025Assignee: CITIBANK, N.A.Inventors: Linfeng Yu, Vaibhav Kumar, Ashutosh Pandey
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Publication number: 20250023732Abstract: Presented herein are systems and methods for end-to-end encryption for session-less communications. A first server may receive, from a second server, a request to retrieve keys for a customer device to access a service. The request may include a device identifier and a first token encrypted using a first encryption key. The first server may determine, responsive to validating, that the customer device is to be issued a second token. The first server may identify least a portion of the first token decrypted using the first encryption key. The first server may generate a set of second encryption keys to be used by the customer device. The first server may package the second token to include (i) at least the portion of the first token and (ii) the set of second encryption keys. The first server may transmit, to the second server, a response including the second token.Type: ApplicationFiled: September 27, 2024Publication date: January 16, 2025Applicant: Citicorp Credit Services, Inc. (USA)Inventors: Gayathri Sundar, Mayank Shah
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Patent number: 12197859Abstract: The systems and methods disclosed herein receive an output generation request from that includes input for generating an output using a language model. The input includes a set of alphanumeric characters associated with operative standards for a first set of actions. The system divides the set of alphanumeric characters into text subsets. For each text subset, a vector representation is determined. Prompts are created for each vector representation including the set of alphanumeric characters, query contexts, keywords, and/or the text subset. Each vector representation's prompt is input into the language model, which generates a second set of actions of related actions, where subsequently generated actions are based on prior generated actions. The system aggregates the second set of actions into a third set of actions and displays a graphical layout. The graphical layout displays a representation of the set of alphanumeric characters and the corresponding actions.Type: GrantFiled: July 23, 2024Date of Patent: January 14, 2025Assignee: CITIBANK, N.A.Inventors: Shardul Malviya, Wayne Liao, Deepak Jain, Samantha Cory, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Payal Jain, Tariq Husayn Maonah
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Publication number: 20250013618Abstract: Systems and methods for a programming language-agnostic data modeling platform that is both less resource intensive and scalable. Additionally, the programming language-agnostic data modeling platform allows for advanced analytics to be run on descriptions of the known logical data models, to generate data offerings describing underlying data, and to easily format data for compatibility with artificial intelligence systems. The systems and methods use a supplemental data structure that comprises logical data modeling metadata, in which the logical data modeling metadata describes the logical data model in a common, standardized language. For example, the logical data modeling metadata may comprise a transformer lineage of the logical data model.Type: ApplicationFiled: September 20, 2024Publication date: January 9, 2025Applicant: Citibank, N.A.Inventors: Chuan Li, James Boyd Adams, Yan Liu, Peter Huang, Alicia Wang
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Publication number: 20250013446Abstract: Systems and methods for facilitating updates to data pipelines using modularly-generated platform-agnostic data pipeline portions are disclosed. The system receives a user selection of a portion of a data pipeline comprising (i) a set of nodes each indicating a data pipeline component and (ii) a set of links linking the set of nodes. The system then generates a modular-portion of the data pipeline architecture, via a transformation component, based on the user selection and stores the modular-portion of the data pipeline architecture in a remote database. The system then receives an update to at least one node of the set of nodes of the modular-portion of the data pipeline architecture. The system then updates at least a subset of a set of pre-existing data pipelines that use the generated modular-portion of the data pipeline to incorporate the update to the at least one node of the set of nodes.Type: ApplicationFiled: September 21, 2024Publication date: January 9, 2025Applicant: Citibank, N.A.Inventors: David BENAMU, Hila GARDI, Mor GELBERG, Hadar KARBY, Vaibhav KUMAR, Ashutosh PANDEY, Miriam SILVER
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Publication number: 20250004753Abstract: Systems and methods that provide centralized communication across feature programming workflows using software development lifecycle tools that dynamically determine temporal alerts are disclosed herein. By dynamically determining events that are temporally relevant, the system accounts for changes in an application timeline that comprises a plurality of events, in which each event of the plurality of events indicates when a respective feature of the plurality of features is available for use by the application, and in which the location of each event constantly changes.Type: ApplicationFiled: August 28, 2024Publication date: January 2, 2025Applicant: Citibank, N.A.Inventors: Laura McNeil, Muthukumar Arunachalam, Srikanth Bezawada, Prag Sharma
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Publication number: 20250005449Abstract: Systems and methods are described herein for novel uses and/or improvements for designing user-specific interfaces using machine learning models. When a request to display certain data by an application is received, an application token and a user token may be retrieved and input into a machine learning model to obtain a prediction of a pre-defined user-application interface configuration. A user interface token for the application may then be generated. The user interface token may indicate user interface settings/configuration desired/preferred by a user. The user interface token may then be sent to the application to cause the application to display the data using user interface configurations within the user interface token.Type: ApplicationFiled: May 22, 2024Publication date: January 2, 2025Applicant: Citibank, N.A.Inventors: Kirk M. LEWIS, II, Shahzad DIN, Aarvi THADESHWAR, Christopher James BYRNE
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Publication number: 20250005272Abstract: Systems and methods for linking a data set to respective locations of relevant data elements in documents included in electronic files in which a formatting server identifies a specific location of each occurrence of each of a plurality of different categories of fields in documents in an electronic file and links an identifier of each of the categories to each specific location of each of the occurrences. Thereafter, a review server compares data populating all of the occurrences at each specific location of at least one of the categories of fields to which the identifier of the particular category of fields is linked and generates a notification when the data populating any of the occurrences differs from data populating any of the other occurrences of the same category of fields.Type: ApplicationFiled: September 12, 2024Publication date: January 2, 2025Applicant: Citibank, N.A.Inventors: Richard McREDMOND, Ranjit BHATTACHARJEE
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Publication number: 20250004985Abstract: 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: ApplicationFiled: September 6, 2024Publication date: January 2, 2025Applicant: Citibank, N.A.Inventors: Robin J. KURIAN, Neelima RATH, MadhuShalini KURUGANTHY, Jamaal D. MARSHALL
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Publication number: 20250005444Abstract: Systems and methods are described herein for novel uses and/or improvements for designing user-specific interfaces using machine learning models. When a request to display certain data by an application is received, an application token and a user token may be retrieved and combined into a consolidated token. The consolidated token may be input into a machine learning model to obtain a user interface token for an application. The user interface token may indicate user interface settings/configuration desired/preferred by a user. The user interface token may then be sent to the application to cause the application to display the data using user interface configurations within the user interface token.Type: ApplicationFiled: September 29, 2023Publication date: January 2, 2025Applicant: Citibank, N.A.Inventors: Kirk M. LEWIS, II, Shahzad DIN, Aarvi THADESHWAR, Christopher James BYRNE
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Patent number: 12182180Abstract: The model generation platform enables generation of machine learning models based on modular storage of user-specified training data. The platform can obtain a dataset from a different heterogenous source (e.g., a structured database, an unstructured database, a semi-structured file system, manual upload of a comma-separated value file, a spreadsheet, and/or big data) through an associated application programming interface and store this data in a first storage medium. The model generation platform can obtain an indication of a portion of the dataset from a user via a user interface and determine a second storage medium for this portion of the dataset based on an associated estimated performance metric. In response to a request for generation of a machine learning model, the model generation platform can generate a machine learning model using training data comprising a subset of the portion of the dataset.Type: GrantFiled: April 4, 2024Date of Patent: December 31, 2024Assignee: Citibank, N.A.Inventors: Sanakar Narayan Karasudha Patnaik, Akshay Jain
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Patent number: 12182539Abstract: Systems and methods provide a first deployment criterion for deploying modified decision engines. A first existing decision engine is accessed, as well as a first modified decision engine that includes rule data generated by an artificial intelligence model based on the first existing decision engine. A first difference between a first output and a first modified output is determined, where the first output is generated by the first existing decision engine and the first modified output is generated by the first modified decision engine. A first selected decision engine is deployed to process subsequent data items to produce subsequent outputs, based on whether the first difference satisfies first deployment criterion. When metric generated based on the subsequent outputs satisfies a criterion modification condition, the artificial intelligence model is used to generate a second deployment criterion, wherein a second selected rule-based decision engine is deployed based on the second deployment criterion.Type: GrantFiled: May 20, 2024Date of Patent: December 31, 2024Assignee: Citibank, N.A.Inventors: James Myers, Miriam Silver
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Patent number: 12184480Abstract: Systems and methods for improving the efficiency and accuracy of network operation validation anomaly detection in conglomerate-application-based ecosystems are disclosed. The disclosed anomaly evaluation platform can provide a first network operation to a first software application for generation of a second network operation, as in a flow-based processing system. The platform can generate a communication map that characterizes the architecture and/or performance of the system. In response to providing the communication map and the network operations to a validation model, the anomaly evaluation platform can determine a validation status and execute a corrective action to cure detected anomalies preventing validation of the network operation. As such, the anomaly evaluation platform enables dynamic monitoring, evaluation, and mitigation of detected anomalies in real-time and in a performance-dependent manner.Type: GrantFiled: July 20, 2024Date of Patent: December 31, 2024Assignee: CITIBANK, N.A.Inventors: Vishal Mysore, Sukhbir Singh, Ramkumar Ayyadurai
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Patent number: 12182090Abstract: Systems and methods for a programming language-agnostic data modeling platform that is both less resource intensive and scalable. Additionally, the programming language-agnostic data modeling platform allows for advanced analytics to be run on descriptions of the known logical data models, to generate data offerings describing underlying data, and to easily format data for compatibility with artificial intelligence systems. The systems and methods use a supplemental data structure that comprises logical data modeling metadata, in which the logical data modeling metadata describes the logical data model in a common, standardized language. For example, the logical data modeling metadata may comprise a transformer lineage of the logical data model.Type: GrantFiled: November 17, 2023Date of Patent: December 31, 2024Assignee: Citibank, N.A.Inventors: Chuan Li, Jim B. Adams, Yan Liu, Peter Huang, Alicia Wang
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Publication number: 20240428050Abstract: The systems and methods may use one or more artificial intelligence models that predict an effect of a predicted event on a current state of the system. For example, the model may predict how a rate of change in time-series data may be altered throughout the first time period based on the predicted event. However, as noted above, correctly predicting the occurrence of outlier events (e.g., the predicted event), and in particular characteristics about the outlier events (e.g., when an outlier may occur, what may be a source of the outlier, what rate of change the outlier may cause, etc.), in data-sparse environments and based on time-series data presents a technical challenge.Type: ApplicationFiled: September 5, 2024Publication date: December 26, 2024Applicant: Citibank, N.A.Inventors: Prasanth Babu MADAKASIRA RAMAKRISHNA, Girish WALI, Deepali TUTEJA, Ernst Wilhelm SPANNHAKE, II, Thomas Francis GIANELLE, Milan SHAH
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Publication number: 20240427749Abstract: Systems and methods for a programming language-agnostic data modeling platform that is both less resource intensive and scalable. Additionally, the programming language-agnostic data modeling platform allows for advanced analytics to be run on descriptions of the known logical data models, to generate data offerings describing underlying data, and to easily format data for compatibility with artificial intelligence systems. The systems and methods use a supplemental data structure that comprises logical data modeling metadata, in which the logical data modeling metadata describes the logical data model in a common, standardized language. For example, the logical data modeling metadata may comprise a transformer lineage of the logical data model.Type: ApplicationFiled: November 17, 2023Publication date: December 26, 2024Applicant: Citibank, N.A.Inventors: Chuan LI, Jim B. ADAMS, Yan LIU, Peter HUANG, Alicia WANG
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Publication number: 20240427741Abstract: Systems and methods for a programming language-agnostic data modeling platform that is both less resource intensive and scalable. Additionally, the programming language-agnostic data modeling platform allows for advanced analytics to be run on descriptions of the known logical data models, to generate data offerings describing underlying data, and to easily format data for compatibility with artificial intelligence systems. The systems and methods use a supplemental data structure that comprises logical data modeling metadata, in which the logical data modeling metadata describes the logical data model in a common, standardized language. For example, the logical data modeling metadata may comprise a transformer lineage of the logical data model.Type: ApplicationFiled: June 22, 2023Publication date: December 26, 2024Applicant: Citibank, N.A.Inventors: Chuan LI, Cheng-Yaw CHANG, Ken OVERTON
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Publication number: 20240430102Abstract: Systems and methods for a bifurcated self-executing program that wraps a first self-executing program (e.g., a first smart contract) on a blockchain within a second self-executing program (e.g., a second smart contract), in which the second self-executing program enforces the digital signature requirement. The bifurcated self-executing program comprises a single compiled self-executing program that combines the first self-executing program and the second self-executing program.Type: ApplicationFiled: August 29, 2024Publication date: December 26, 2024Applicant: Citibank, N.A.Inventors: Shishir Singh, Jonathan Miles Collin Rosenoer, Andres Wolberg-Stok, Biser Dimitrov
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Publication number: 20240428242Abstract: A computer-implemented method comprising receiving a request from a computer of a first of a first computing environment to execute a network operation transferring network operation data from the first data structure to a second data structure associated with a second computing device of a second computing environment; identifying, from a hierarchical model indicating relationships between data structures maintained through a blockchain, a third data structure of a third computing device in communication with the plurality of nodes maintaining the blockchain; retrieving at least one condition corresponding to the third data structure from the blockchain; determining the network operation data satisfies the at least one condition; and appending a first record to a second record of the blockchain.Type: ApplicationFiled: September 3, 2024Publication date: December 26, 2024Applicant: CITIBANK, N.A.Inventor: Ryan MARSH
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Patent number: 12175265Abstract: Systems and methods are described herein for novel uses and/or improvements for predicting, using machine learning models, a process for a user based on function execution. An indication of completion of a predetermined application function associated with a user may be detected and a plurality of stored parameters associated with the user may be identified. The predetermined application function and the parameters may be input into a machine learning model to determine/obtain a process prediction for the user. The process may include a number of functions that may be sent to a user device for execution.Type: GrantFiled: March 29, 2024Date of Patent: December 24, 2024Assignee: Citibank, N.A.Inventors: Philip Cody Keister, Vaibhav Kumar Gupta, Sandeep Yellambhotla, Geeta Priyanka Janapareddy, Sharika Kanakam, George Higa, Melissa Mathews, Joelle Bove, Aditya Thipireddy
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Publication number: 20240419574Abstract: Systems and methods provide for an integrated script development and script validation platform. The integrated script development and script validation platform archives data in a way such that the dependencies between contributions of code strings (e.g., script sets) are detected and recorded. That is, the systems and methods detect dependency branches in the script code of script sets. By doing so, the systems and methods may identify individual performance characteristics for a given script set as well as determine the overall impact on the application itself.Type: ApplicationFiled: August 28, 2024Publication date: December 19, 2024Applicant: Citibank, N.A.Inventors: Robin Jose Kurian, Balaji Kobula Madhavan, Joseph Julius Bosco Arockia Dass
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Publication number: 20240420121Abstract: 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: ApplicationFiled: August 29, 2024Publication date: December 19, 2024Applicant: Citibank, N.A.Inventors: Alex MCMAHON, Paul CAREY, Archana LOGANATHAN, Wayne CROMBIE
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Publication number: 20240420149Abstract: 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: ApplicationFiled: August 26, 2024Publication date: December 19, 2024Applicant: Citigroup Technology, Inc.Inventors: Paola GITTINO, William George CORMIER, Steve Thomas DAYTON, Miriam SILVER
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Patent number: 12170672Abstract: 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: GrantFiled: July 6, 2023Date of Patent: December 17, 2024Assignee: CITICORP CREDIT SERVICES, INC. (USA)Inventors: Mayank Shah, Gayathri Sundar, Vernon Miller, Abhishek Acharya
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Publication number: 20240412198Abstract: Data representing ownership of a traditional asset of a first party having a predefined monetary value stored at a first party network node is replicated to a plurality of other party network nodes, including a second party network node, communicably coupled to the first party network node and to one another. Entry of data is received at the first party network node that represents a partition by the first party of the asset of the first party on a non-value axis into at least two non-overlapping assets and a transfer of ownership of one of those two assets to the second party. The data representing the partition of the non-value axis and transfer of ownership of one of the two non-overlapping assets to the second party is replicated to the plurality of other party nodes, including the second party network node.Type: ApplicationFiled: May 10, 2024Publication date: December 12, 2024Applicant: Citibank, N.A.Inventors: Roy EMEK, Oren GLICKMAN
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Publication number: 20240411766Abstract: Systems and methods are described herein for novel uses and/or improvements to data aggregation related to artificial intelligence applications, specifically applications related to aggregating time-series data. As one example, systems and methods are described herein for predicting effects when aggregating time-series data and modifying the one or more data streams used to populate a model profile and/or feed an artificial intelligence application with the time-series data.Type: ApplicationFiled: August 20, 2024Publication date: December 12, 2024Applicant: Citibank, N.A.Inventors: Ernst Wilhelm Spannhake, II, Thomas Francis Gianelle, Milan Shah
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Patent number: 12164896Abstract: The systems and methods provide continuous integration and continuous deployment pipeline management using pipeline-agnostic rule sets applied to pre-deployment code samples. The system standardizes the application of a rule set to a pre-deployment code sample to use data at a given location, but the system allows for the sample itself to determine which data stream of the data streams at that data location is used. As such, the systems and methods avoid the need for the plethora of rule sets that would overwhelm a user and defeat the purpose of the CaaS product, but the system allows for processing pre-deployment code samples that are specific to the sample.Type: GrantFiled: December 12, 2023Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Tridib Choudhury, Manish Shah, Satish Chandreskharan, Robert Kovach, Shweta Sobat, Arunkumar Saripalli
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Patent number: 12164409Abstract: Systems and methods for data corroboration and forecasting in which a sever generates structured customer feedback data from unstructured customer verbatim data and uses unsupervised machine learning modeling techniques to identify similar word clusters within the structured customer feedback data, classifies the identified word clusters into multiple categories of customer issues, and detects one or more trending customer issues within the multiple categories. The server may also retrieve web/mobile application usage analytics data and system logs data and use unsupervised machine learning modeling techniques to corroborate customer web/mobile navigation and service issues associated with the structured customer feedback data.Type: GrantFiled: November 15, 2019Date of Patent: December 10, 2024Assignee: CITICORP CREDIT SERVICES, INC. (USA)Inventors: Rajendra Kishore Thota, Anirban Dhar Chowdhury, Keerthivasan Rajagopalan, Bhanuprakash Reddy Nalamadgu, Ashutosh Sureka, Shadman Zafar
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Patent number: 12164525Abstract: Systems and methods are described herein for novel uses and/or improvements to data aggregation related to artificial intelligence applications, specifically applications related to aggregating time-series data. As one example, systems and methods are described herein for predicting effects when aggregating time-series data and modifying the one or more data streams used to populate a model profile and/or feed an artificial intelligence application with the time-series data.Type: GrantFiled: July 18, 2023Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Ernst Wilhelm Spannhake, II, Thomas Francis Gianelle, Milan Shah
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Patent number: 12166689Abstract: Systems and methods for mitigating latency. For example, prior to ingesting a data stream, the system extracts a communication identifier from the data stream. The system may then compare the communication identifier to a state-specific communication reference directory that indicates a current state a given communication, a cloud component currently processing the communication (or a portion thereof), and/or other information used to sort the communication. As the state-specific communication reference directory ensures proper triaging of the data stream, the system is not reliant on maintaining session persistence.Type: GrantFiled: May 15, 2024Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Adarsh Kochhar, Autumn Thomas, Kevin O'Sullivan, Peter Aherne, Rajat Kedia, Tim Michael, Vidhi Khatri, Vidhir Kaup, Vinod Rajaram
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Patent number: 12166888Abstract: Systems and methods for encrypting data are described herein. For example, the system may receive, from an application associated with a provider system, a request for a delivery token. The request may include an address and an identifier of a distribution system. The system may determine a distributor key for decrypting delivery tokens for the distribution system. The system may also identify an encryption key for encrypts delivery tokens, where the encryption key corresponds to the distributor key. The system may generate the delivery token, including the address, using the encryption key. The system may then transmit the delivery token to the application associated with the provider system.Type: GrantFiled: May 10, 2024Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Tuan Quoc Dao, Mayank Dinesh Shah
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Patent number: 12164968Abstract: Methods and systems are described herein for generating and assigning resources based on timestamps. A plurality of permission messages associated with a plurality of authorization events may be received with each permission message including an authorization timestamp indicating a generation time of a corresponding permission message. In addition, a plurality of data records may be received with each data record including a corresponding plurality of parameters. Based on the permission messages and the data records, a resource multiplier is generated, and resources assigned to each data record are multiplied based on the resource multiplier.Type: GrantFiled: May 2, 2024Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Shashikiran Budnahatti Veerabhadrappa, Tuan Dao
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Patent number: 12165124Abstract: Techniques are provided for performing automated operations to identify one or more computing devices associated with potential payees that are within a defined proximity of a user mobile device. Potential payees may include individuals and merchant point-of-sale computing systems. A processor-based computing system retrieves stored photographic and biographic information regarding the identified potential payees, and displays the retrieved photographic and biographic information for possible selection by a user of the mobile device. One or more payments from the user of the mobile device may be specified and initiated via the processor-based computing system to potential payees selected by the user, including for partial or full payment of a customer order of the user with a merchant associated with an identified point-of-sale computing system.Type: GrantFiled: June 21, 2018Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventor: Therman Wheeler
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Patent number: 12165035Abstract: The systems and methods may use one or more artificial intelligence models that predict an effect of a predicted event on a current state of the system. For example, the model may predict how a rate of change in time-series data may be altered throughout the first time period based on the predicted event. In addition, the system may use a machine learning model to classify a user, based on current state characteristics, into a class of users and identify peers of the user. Based on those peers, the system may identify items for the user and generate a predetermined output variable.Type: GrantFiled: January 19, 2024Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Prasanth Babu Madakasira Ramakrishna, Girish Wali, Deepali Tuteja, Ernst Wilhelm Spannhake, II, Thomas Gianelle, Milan Shah
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Publication number: 20240403885Abstract: Systems and methods involve an automated risk assessment platform server that receives data regarding a potential fraudulent account event from a fraud detection platform processor and a data mining function that extracts additional data related to the potential fraudulent account event from a plurality of data sources. An artificial intelligence engine function enhances the additional data for further processing, and a pattern recognition function searches the data for one or more data patterns that indicate whether or not the account event is fraudulent and generates a treatment recommendation when at least one data pattern is found that indicates that the account event is fraudulent.Type: ApplicationFiled: June 4, 2024Publication date: December 5, 2024Applicant: Citibank, N.A.Inventors: Jeffrey Brian BASHORE, Charles Hoonchul KIM, John William ERICKSON