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: 20260351031Abstract: 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: ApplicationFiled: July 13, 2026Publication date: November 5, 2026Applicant: Citibank, N.A.Inventors: Ashutosh K. SUREKA, Venkata Sesha Kiran Kumar ADIMATYAM, Miriam SILVER, Daniel FUNKEN
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Publication number: 20260349963Abstract: Presented herein are systems and methods for regularly updating computer-form files. A method may include obtaining, by a computer, raw data containing a plurality of data records associated with a customer from a plurality of databases, for each data record, determining, by the computer, a data category indicating one or more computer-form files for a data entry of the data record based upon a preconfigured mapping between a type of data of the data entry mapped to the data category, in response to detecting a new customer data requirement, updating, by the computer, the one or more computer-form files associated with each data category according to each data record of each daily interval, and at a preconfigured time, generating, by the computer, the one or more computer-form files based upon each data category using each data record of each daily interval.Type: ApplicationFiled: February 3, 2026Publication date: November 5, 2026Applicant: Citigroup Technology, Inc.Inventors: Yogesh ABHYANKAR, Manojkumar Mahantappa PARAGOND
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Publication number: 20260349864Abstract: Presented herein are systems and methods for determining root cause of errors during execution of multiple applications. Systems include at least one processor to detect a cause analysis instruction identifying one or more systems; receive error metadata associated with a first operation error; determine a first debug operation set based on the error metadata; determine a first result associated with a first debug operation of the first debug operation set; and determine a second result associated with a second debug operation based on the first result for the first debug operation. The one or more processors can generate an error report based on the first result and the second result, the error report indicating each result and a next debug operation set of one or more next debug operations.Type: ApplicationFiled: July 13, 2026Publication date: November 5, 2026Applicant: Citigroup, Inc.Inventor: Rajagopalan PADMANABAN ANAND
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Patent number: 12786213Abstract: Methods and systems for detecting malicious inputs into artificial intelligence agents are disclosed herein. A communication session between an artificial intelligence agent and a client device may be monitored. The communication session may include multiple requests from the client device and multiple responses from the artificial intelligence agent. A topic detection machine learning model may be used to determine response metrics for each response. Each response metric may indicate proximity of a corresponding response to a prohibited topic. The system may determine whether response metrics meet or exceed a threshold proximity to a prohibited topic. Based on determining that response metrics meet the threshold proximity, a response indicating that the prohibited topic has been detected may be generated and transmitted to the client device.Type: GrantFiled: October 13, 2025Date of Patent: November 3, 2026Assignee: Citibank, N.A.Inventors: Imir Arifi, Ganesh Prasad Bhat, James Myers
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Patent number: 12783502Abstract: Systems and methods for novel uses and/or improvements to blockchains and blockchain technology. As one example, systems and methods are described herein for self-validating digital records that may be transferred in real-time through a cross-network registry. For example, in a conventional system, minting a token (e.g., a digital record) involves writing a self-executing program that defines the transfer rules of the digital record. Once the self-executing program is written, it is deployed on a blockchain, and the digital record is minted by publishing it to a blockchain.Type: GrantFiled: March 11, 2025Date of Patent: November 3, 2026Assignee: Citibank, N.A.Inventors: Nisha Surendran, Shishir Singh, Jack White, Justin Karol
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Patent number: 12784038Abstract: A computer-implemented method comprising receiving a transaction request from a first computing device, the transaction request corresponding to a pending transaction between the first computing device and a second computing device and comprising a first set of transaction attributes; appending block instances to blockchains of the first and second computing devices, retrieving or receiving, from the second computing device, a second set of transaction attributes; when the first set of transaction attributes match, identifying a second blockchain associated with the pending transaction; automatically executing a protocol to compare the first set of transaction attributes with data stored onto a ledger of the identified second blockchain; and, in response to determining that the first set of transaction attributes complies with data of the ledger of the identified second blockchain, appending block instance to the blockchain comprising data corresponding to the transaction request to blockchains of the first aType: GrantFiled: August 14, 2025Date of Patent: November 3, 2026Assignee: CITIBANK, N.A.Inventor: Shishir Singh
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Patent number: 12784042Abstract: A computer-implemented method comprising receiving a request to execute a transaction transferring transaction data from a first account to a second account associated with a second computing device in communication with a distributed ledger, the request comprising an identification of the first account and the second account; identifying a third account associated with a third computing device in communication with the distributed ledger; retrieving first account data for the first account and third account data for the third account from the distributed ledger; comparing a first value from the first account data and a third value from the third account data to a threshold; determining the transaction satisfies a transaction policy; and generating a record in the distributed ledger indicating the transaction transferring the transaction data from the first account to the second account in response to the determination that the transaction satisfies the transaction policy.Type: GrantFiled: February 24, 2025Date of Patent: November 3, 2026Assignee: CITIBANK, N.A.Inventor: Ryan Marsh
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Patent number: 12786140Abstract: Systems and methods for providing on-demand access to resources across global or cloud computer networks are described herein. In particular, the systems and methods can use transformer models to estimate proxy resource capacities. These proxy resource capacities can be leveraged to satisfy certain conditions for executing blockchain actions, enabling resources to be used even when a current capacity of those resources does not satisfy the conditions.Type: GrantFiled: March 3, 2025Date of Patent: November 3, 2026Assignee: Citibank, N.A.Inventors: Joao Paulo De Castro Marchese, Christopher Opeyemi Olomo, Leonardo Perenha Baccala, Valeria Alejandra Sica
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Patent number: 12786245Abstract: A model checking system detects violations and conflicts in security and verification policies by running model checking processes. The system detects privilege escalation attacks in misconfigured identification and access management (“IAM”) policies by modeling security policy documents and IAM actions as logical formulas and then running model checking on the model. The system translates non-Boolean variables, such as string variables, into Boolean variables in order to apply an SAT model checker. The model checker also determines whether a policy violation can be achieved in a finite number of steps by elevating privileges of some compromised principal over multiple iterations of the model checking process, or proves absence thereof.Type: GrantFiled: January 31, 2025Date of Patent: November 3, 2026Assignee: Citibank, N.A.Inventors: Ilia Shevrin, Mickey Hovel, Max Leibovich, Oded Margalit, Uri Kahana
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Patent number: 12783615Abstract: Systems, methods, and devices for facilitating computational resource access by artificial intelligence (AI) agents through token-based allocation and multi-agent workflow optimization. The system generates tokens corresponding to computational resources including processing power, memory, storage, and bandwidth. AI agents submit resource requests with priority tokens, creating queues ordered by priority token quantity. Higher-priority bids receive preferential positions. The system transfers resource tokens to agents based on queue order, enabling resource access through token exchange. The system can receive user prompts indicating computational objectives and determines multiple AI agentic approaches comprising AI model sequences. After evaluating approaches against operational policies, the system generates resource utilization and performance estimates, executing a preferred approach balancing efficiency with output quality.Type: GrantFiled: March 2, 2026Date of Patent: November 3, 2026Assignee: Citibank, N.A.Inventors: Ganesh Prasad Bhat, James Myers, Payal Jain, Tariq Husayn Maonah, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Sourabh Deb, Jason Engelbrecht, Zheyu Wang, Haolin Jin, Avi Levin, Nimrod Barak, Miriam Silver
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Publication number: 20260342708Abstract: Systems and methods are described herein for providing seamless service route updates for service routing platforms. When a request for a new service route is received, the system may use the data within the request to transform the service route into a format supported by one or more platforms that will have the route setup. Once the transformation has been completed, the system may store the transformed service route or service routes in a route repository. In addition, the system may store the service route in a standardized format separately. The system may then determine that a new service route has been added and match the new service route with one or more service routing platforms. Once the match has been made, for each service route, the system may transmit the transformed service routes to the corresponding service routing platforms.Type: ApplicationFiled: July 3, 2025Publication date: October 29, 2026Applicant: Citibank, N.A.Inventors: Umesh REDDY, Ranjith DULIGUNTI, Akash GUJARATHI
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Patent number: 12775478Abstract: Event-driven architecture for control microservices. In some implementations, the system generates a graphical user interface including one or more screen elements for receiving input values for a resource request. Based on determining that the user has navigated away from a current screen element, the system executes, by a control microservice, control logic associated with the current screen element and compares an execution time for the control logic against a latency threshold. Based on the control logic raising an exception and the execution time exceeding the latency threshold, the system executes a detective control that asynchronously routes the resource request to an exception-handling queue. Based on the control logic raising an exception and execution time being within the latency threshold, the system executes a preventive control that blocks or corrects the one or more input values before the resource request is executed.Type: GrantFiled: September 30, 2025Date of Patent: October 27, 2026Assignee: CITIBANK, N.A.Inventors: Stephen Saponara, Michael Hershkowitz, Gregory Vardi, Scott Wilson, Robert Stolte
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Patent number: 12775603Abstract: 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: January 27, 2025Date of Patent: October 27, 2026Assignee: Citibank, N.A.Inventors: Chuan Li, James Boyd Adams, Yan Liu, Peter Huang, Alicia Wang, Miriam Silver
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Patent number: 12776946Abstract: Systems and methods for automatically updating validation rules used to detect and remediate network operation validation anomalies in conglomerate-application-based ecosystems are disclosed. The disclosed anomaly evaluation platform can dynamically monitor a set of document repositories containing specific guidelines for generating validation reports. In response to detecting updates in the guidelines, the anomaly evaluation platform retrieves a communication map defining parent-child relationships between validation rules and generates an updated communication map. The anomaly evaluation platform detects a transmission of a first network operation to a software application, which uses the first network operation to generate a second network operation. The anomaly evaluation platform provides the first network operation, the second network operation, and the updated communication map to an artificial intelligence model to generate a validation report that meets the specific criteria guidelines.Type: GrantFiled: October 23, 2024Date of Patent: October 27, 2026Assignee: CITIBANK, N.A.Inventors: Vishal Mysore, Sukhbir Singh, Ramkumar Ayyadurai
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Publication number: 20260332569Abstract: 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: ApplicationFiled: June 29, 2026Publication date: October 22, 2026Applicant: Citigroup Technology, Inc.Inventors: Aharon Baruch Hauber, Shobhit Maini, Haiping Choo
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Publication number: 20260329868Abstract: Systems and methods disclosed herein generate validated responses using artificial intelligence (AI)-based models. The system obtains/receives an output generation request (e.g., from a graphical user interface (GUI)) that can include a document set and a query set. The system classifies the query set by partitioning it into multiple query subsets and assigning a complexity score. Based on the classification, the system generates a computational workflow set using a first AI model set to retrieve a resource set responsive to the query set. The system executes the workflow using a second AI model set (the same as or different from the first AI model set) and validates the retrieved resources against predefined criteria (e.g., rules, guidelines). If the resources satisfy the criteria, the system generates a response using a third AI model set. The system can display a graphical layout on the GUI showing the request, retrieved resources, and/or generated response.Type: ApplicationFiled: July 24, 2025Publication date: October 22, 2026Applicant: Citibank, N.A.Inventors: Ganesh Prasad Bhat, Joshua Goldman, Ramee S. Karthikeyan, Wei Jie Ng, Subramanian Sankaran
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Patent number: 12771737Abstract: Systems and methods for improvements for processing electronic communications over computer networks. As one example, systems and methods may ensure real-time (and/or near real-time) processing of electronic communications over computer networks by detecting real-time delays in electronic communications over computer networks in an ongoing manner and in environments in which users have no access to intermediary devices using a parallel processing stream.Type: GrantFiled: September 9, 2024Date of Patent: October 20, 2026Assignee: Citibank, N.A.Inventors: Zoltan Thoma, Mohsin Jaffar, Jeremy York, Anthony Frederick John Warden
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Patent number: 12771653Abstract: 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: November 25, 2024Date of Patent: October 20, 2026Assignee: 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: 12770143Abstract: 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: GrantFiled: August 25, 2025Date of Patent: October 20, 2026Assignee: CITIBANK, N.A.Inventor: Ryan Marsh
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Publication number: 20260322683Abstract: A system for monitoring optical computing components is disclosed. The system may include processors and non-transitory computer-readable media comprising instructions. The system may receive optical measurements from optical interconnects internal to a distributed computing system, where the optical interconnects couple distributed computing components each having an associated optical communication device enabling optical communication at a package level. The system may receive performance metrics of the distributed computing components comprising workload activity, synchronization behavior, or thermal conditions. The system may input the optical measurements and performance metrics into an artificial intelligence model trained to predict potential faults. The system may determine a fault domain comprising a chiplet interface, an optical engine, a laser source, a coupler, or a reconfigurable optical path.Type: ApplicationFiled: June 23, 2026Publication date: October 15, 2026Applicant: Citibank, N.A.Inventors: Raja BALASUBRAMANIAN, Rene Wilfredo VILLATORO ESCALANTE, Chike Gideon OKECHUKWU, Terry John JENKINS, Scott TAYLOR, James Randolph MYERS
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Publication number: 20260320496Abstract: 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: ApplicationFiled: May 22, 2026Publication date: October 15, 2026Applicant: Citicorp Credit Services, Inc. (USA)Inventor: Richard Alvarez
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Publication number: 20260320198Abstract: Systems and methods for assessing vulnerability of virtual resources are disclosed herein. A system may receive a request and parameterized rules from a database of parameterized rules for assessing potential vulnerability of user resources caused by a virtual resource transmission. The system may extract user vulnerability tolerance parameters indicative of user propensity for vulnerability and virtual resource vulnerability tolerance parameters indicative of vulnerability of the virtual resource. The system may input, into a parameterized rule, a user vulnerability tolerance parameter and a virtual resource vulnerability tolerance parameter to trigger execution of each parameterized rule. The system may then generate a match indicator indicating whether the virtual resource matches the user transmissions profile and, responsive to determining that the virtual resource does not match the user transmissions profile, trigger a temporary rejection on the transmission request requiring an override authorization.Type: ApplicationFiled: August 7, 2025Publication date: October 15, 2026Applicant: Citibank, N.A.Inventors: Manish GUPTA, Mrinal Kanti BHATTACHARYA, Abhishek DAYYA
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Patent number: 12761980Abstract: Presented herein are system and methods for integrating application programming interfaces (APIs) for use in network environments. A service of an API management platform may receive, from an administrator device, a request to deploy an API for use in a network environment among one or more applications. The request may include a specification defining the API according to a template for a domain of a plurality of domains. The service may identify, from a plurality of policies corresponding to the plurality of domains, a policy based on the domain for the template with which the specification of the request is defined. The service may determine that the API is validated in accordance with the policy for the domain. The service may generate an indication of approval of the API for use in the network environment among the one or more applications, responsive to determining that the API is validated.Type: GrantFiled: April 4, 2024Date of Patent: October 13, 2026Assignee: Citibank, N.A.Inventors: Jaya C. Chilakamarri, David R. Charles, Usha S. Yellapu
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Patent number: 12762040Abstract: The systems and methods disclosed herein enable evaluation of machine learning model outputs within a virtual environment. The disclosed model validation platform enables testing of code generated for detection of malicious or anomalous outputs. For example, the model validation platform can construct a virtual machine isolated from the system and test model-generated code for validation of LLM-generated outputs. In some implementations, the model validation platform determines parameters of the virtual machine and/or associated validation test based on an evaluation of the machine learning model's output and/or the associated underlying prompt. For example, the parameters of the validation test depend on an evaluation of the user or the provided input (e.g., depending on the presence of sensitive data within the prompt). By doing so, the system enables dynamic evaluation of machine learning model outputs to improve the security and robustness of associated generated code.Type: GrantFiled: October 4, 2024Date of Patent: October 13, 2026Assignee: CITIBANK. N.A.Inventors: Payal Jain, Tariq Husayn Maonah, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies
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Patent number: 12763955Abstract: 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: October 30, 2024Date of Patent: October 13, 2026Assignee: Citibank, N.A.Inventors: Tuan Quoc Dao, Mayank Dinesh Shah
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Patent number: 12764110Abstract: An identity verification system enables peer-to-peer authentication in a potentially insecure channel by leveraging a secure channel communication. The system authenticates a user via an identity verification application. The system provides a validation code to the user. The user communicates the validation code to a counterparty of the peer-to-peer communication. The system receives a request to authenticate the counterparty with the validation code and counterparty authentication data. The system authenticates the counterparty and sends the user the authentication of the counterparty. Alternatively, the user device communicates a request to generate a secure code for participants in a first insecure group application session. The user device selects an authenticated counterparty to receive the secure code from a list of authenticated counterparties. The user creates a second application session using the secure code as a password.Type: GrantFiled: February 14, 2025Date of Patent: October 13, 2026Assignee: Citibank, N.A.Inventors: Elroi Luria, Shay Davidpur, Dina Vaingolts, Yaniv Bouhadana, Oded Margalit
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Patent number: 12762253Abstract: The systems and methods disclosed herein receives artifacts generated using a first set of models within a multi-model superstructure. The multi-model superstructure includes a second set of models to test the first set of models. The multi-model superstructure dynamically routes the artifacts of the first set of models to one or more models of the second set of models by (i) determining a set of dimensions of the artifacts against which to evaluate the artifacts and (ii) identifying the models in the second set used to test the particular dimension. The second set of models then assesses each artifact against a set of assessment metrics. If an artifact fails to meet one or more assessment metrics, the second set of models generates actions to align the artifact with the set of assessment metrics.Type: GrantFiled: April 18, 2025Date of Patent: October 13, 2026Assignee: CITIBANK, N.A.Inventors: Sofia Rahman, James Myers, Prashant Praveen, Shardul Malviya, Wayne Liao, Deepak Jain, Samantha Cory, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Payal Jain, Tariq Husayn Maonah, Vishal Mysore, Ramkumar Ayyadurai, Chamindra Desilva, William Franklin Cameron, Miriam Silver, Prithvi Narayana Rao, Pramod Goyal, Manjit Rajaretnam
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Publication number: 20260312920Abstract: 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: ApplicationFiled: June 23, 2026Publication date: October 8, 2026Applicant: Citibank, N.A.Inventors: Anthony McLaughlin, Ryan Rugg, Sawyer Uzzell
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Publication number: 20260311172Abstract: 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: ApplicationFiled: June 17, 2026Publication date: October 8, 2026Applicant: CITIBANK, N.A.Inventor: Shishir SINGH
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Patent number: 12756555Abstract: Disclosed herein are systems, methods, and computer-readable media for generating and transmitting communication signals based on update signals that are detected using artificial intelligence (AI) agents. One or more AI agents can monitor a plurality of sources to detect update signals associated with available operations targeting one or more entities. In response to detecting an update signal, the AI agents can identify operations based on relevance and adherence to policy rulesets. The AI agents can generate a multimodal communication artifact that causes presentation of the operations, describes factors supporting the operations, and identifies a degree of adherence of the operations to the policy rulesets. The AI agents can automatically capture indications of the operations and adherence to the policy rulesets, allowing for provable compliance of the AI agents with the policy rulesets.Type: GrantFiled: April 1, 2026Date of Patent: October 6, 2026Assignee: CITIBANK, N.A.Inventors: Vasanthakumar Rajendran, Joseph V. Bonanno, Jr., Karolina Belwal, Jefferson Okraku, Rachit Kumar, Patrick Vroman, James Randolph Myers, Allen Sylvester Irudayaraj
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Patent number: 12754944Abstract: The systems and methods disclosed herein relate to querying data using artificial intelligence models. A generalized model receives an output generation request and partitions it into segments mapped to specific domains, where each domain indicates associated databases and guidelines. The segments are routed to domain-specific models trained on domain-specific data, which generate query fragments by comparing performance metrics and system resource usage metrics. The query fragments are aggregated into an overall query that satisfies guidelines across domains. The systems and methods can include a feedback loop to adjust the domain-specific models using user interactions and performance metrics to dynamically adapt to a skill level or experience of the user.Type: GrantFiled: June 3, 2025Date of Patent: October 6, 2026Assignee: CITIBANK, N.A.Inventors: Julisia Jackson, James Myers, Chamindra Desilva, Shardul Malviya, Wayne Liao, Deepak Jain, Samantha Cory, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Payal Jain, Tariq Husayn Maonah, Vishal Mysore, Ramkumar Ayyadurai
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Patent number: 12756673Abstract: The systems and methods disclosed herein load a monitoring program into a kernel or other monitoring component of an operating system external to a user space. The monitoring program attaches to at least one hook point associated with execution of an artificial intelligence agent and captures a plurality of event records (a process identifier, an operation identifier, a resource identifier, a timestamp) associated with the agent. The system generates a cryptographic value by applying one or more functions to a representation of at least a subset of the event records and maintains the cryptographic value on a distributed database within a record associated with the agent. The distributed database maintains a sequence of records that links each record to one or more previous records. The system can detect anomalous agent operations and execute enforcement actions within the monitoring component that restrict agent execution.Type: GrantFiled: May 15, 2026Date of Patent: October 6, 2026Assignee: Citibank, N.A.Inventors: Vishal Mysore, Prithvi Narayana Rao, Payal Jain, Sawyer Uzzell, Joao Paulo De Castro Marchese, James Randolph Myers, Ganesh Prasad Bhat, Miriam Silver
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Patent number: 12755160Abstract: The systems and methods disclosed herein provide a lightweight artificial intelligence agent router that dynamically allocates tasks across a plurality of stateless AI agents. The router receives a task request and classifies it into one or more task types by comparing the request against historical task-agent pairings stored in a datastore. Each agent is registered in an agent registry that includes a metadata profile with performance metrics derived from prior executions. The router scores each agent by evaluating these performance metrics against the classified task type to rank the agents and select a subset of the agents whose scores satisfy a threshold value. The router determines an execution order by evaluating dependencies between sequential portions of the task request, thereby ensuring that outputs from earlier agents are available as inputs to subsequent agents. After task completion, the router updates the agent registry with execution results to adjust future routing decisions.Type: GrantFiled: March 18, 2026Date of Patent: October 6, 2026Assignee: Citibank, N.A.Inventors: Miriam Silver, James Myers, William Franklin Cameron, Prithvi Narayana Rao, Ganesh Prasad Bhat, Sourabh Deb, Jason Engelbrecht, Zheyu Wang, Haolin Jin
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Patent number: 12755213Abstract: Systems, methods, and devices that relate to assessing uncertainty associated with entities are disclosed. In one example aspect, the method receives artifacts relating to an entity and categories for assessing uncertainty. For each category, a generative model retrieves and standardizes data points from the artifacts. A rule-based model inputs the standardized data points to output a rating. The generative model then generates an assessment of the rating and data points according to a predefined structure. The method outputs a summary, rating, and standardized data points for each category. These outputs can be used by other systems for assessing the uncertainty of the entity and taking action based on the assessment.Type: GrantFiled: July 10, 2025Date of Patent: October 6, 2026Assignee: Citibank, N.A.Inventors: Yuxuan Zhang, Geoffrey Robichaux, Jason Ryan Engelbrecht, Matthias Pronin, Hardik Sanchawat, Guanqiu Zheng, Amir Ghoncheh
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Publication number: 20260303545Abstract: Systems and methods disclosed herein enforce agent compliance using kernel-level eBPF programs. The system obtains a machine-readable data structure defining operative boundaries for a target AI agent set and generates a reference value by applying a transformation operation on the data structure. The system loads eBPF programs and policy maps into a kernel, attaching them to hook points to intercept agent operations. Kernel-captured events are received via a kernel event stream, and an observer component generates a kernel-attested observed value by canonically serializing the events and applying a second transformation operation. A compliance comparator determines verification status by comparing the reference value with the observed value. When non-compliance is detected, the system loads an enforcement program into the kernel to restrict agent operations.Type: ApplicationFiled: June 16, 2026Publication date: October 1, 2026Applicant: Citibank, N.A.Inventors: James Randolph MYERS, Miriam SILVER, Ganesh Prasad BHAT
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Patent number: 12748776Abstract: Systems and methods for an active-active mirrored artificial intelligence architecture are disclosed. In some implementations, the system identifies, for an inference request from a user, at least two geographically separate compute clusters configured to handle the inference request, each compute cluster storing a version of an artificial intelligence model for processing the inference request. The system determines, from the inference request, a data consistency requirement mapping the inference request to one or more data consistency types. The system determines, for each compute cluster, a composite metric based on, among other things, a consistency freshness score of the compute cluster. The system routes the inference request to a selected compute cluster having a lowest composite metric subject to a constraint that the consistency freshness score for the compute cluster satisfies the data consistency requirement for the inference request.Type: GrantFiled: February 13, 2026Date of Patent: September 29, 2026Assignee: Citibank, N.A.Inventors: Ganesh Prasad Bhat, James Randolph Myers
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Patent number: 12750380Abstract: Systems and methods for analyzing operations to determine factors contributing to a malicious classification and providing recommendations to prevent future misclassifications are disclosed herein. A feature modification system receives operation data associated with monitored operations, where each operation is characterized by a set of feature values. A machine learning-based detection model processes the operation data to generate a prediction indicating whether each operation is malicious. Based on a prediction indicating that an operation has been classified as malicious, the system determines the impact of each feature on the prediction as well as the variability of each feature to identify impactful and modifiable features. The system generates an input dataset including entries with modified features and processes the dataset to obtain a new set of predictions.Type: GrantFiled: April 3, 2025Date of Patent: September 29, 2026Assignee: Citibank, N.A.Inventors: Rongrong Zhou, Ganesh Babu Gopal
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Patent number: 12748648Abstract: Presented herein are systems and methods for determining root cause of errors during execution of multiple applications. Systems include at least one processor to detect a cause analysis instruction identifying one or more systems; receive error metadata associated with a first operation error; determine a first debug operation set based on the error metadata; determine a first result associated with a first debug operation of the first debug operation set; and determine a second result associated with a second debug operation based on the first result for the first debug operation. The one or more processors can generate an error report based on the first result and the second result, the error report indicating each result and a next debug operation set of one or more next debug operations.Type: GrantFiled: November 18, 2024Date of Patent: September 29, 2026Assignee: CITIGROUP, INC.Inventor: Rajagopalan Padmanaban Anand
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Patent number: 12744806Abstract: Presented herein are systems and methods for generating suspicious activity reports using large language models. A system may include one or more processors that obtain event data associated with an event from a client device and from one or more databases, apply a prompt generator on the event data to generate a large language model (LLM) prompt, and generate a machine-readable suspicious activity (SAR) report in accordance with an LLM prompt. The one or more processors may also apply the prompt generator on the event data based on determining that a fraud risk score associated with the event satisfies a reporting threshold score. Computer program products are also presented.Type: GrantFiled: November 25, 2024Date of Patent: September 22, 2026Assignee: Citibank, N.A.Inventors: Girish Wali, Deepali Tuteja, Prasanth Babu Madakasira Ramakrishna, Brett Pickard, Saketh Ram Gurumurthi, Miriam Silver
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Publication number: 20260281138Abstract: 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: ApplicationFiled: May 18, 2026Publication date: September 17, 2026Applicant: CITIBANK, N.A.Inventors: Sunny BEHL, Hariharan BADRINATHAN
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Publication number: 20260280911Abstract: Systems and methods for using on-chain programs for message transfer are disclosed herein. A system may receive a request to obtain control of second on-chain data structures of a second type. The request may comprise identifiers for first on-chain data structures of a first type. The system may determine that the first type is stored on a first blockchain and the second type is stored on a second blockchain and execute an operation that transfers control of first on-chain data structures of the first type to be controlled by a second cryptography-based storage application associated with an agent on the first blockchain. In response to a confirmation that the operation was successful, the system may cause a message to be transmitted to a second on-chain program instructing it to transfer the second on-chain data structures to be controlled by the user.Type: ApplicationFiled: October 13, 2025Publication date: September 17, 2026Applicant: Citibank, N.A.Inventors: Haiping CHOO, Aharon HABER
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Publication number: 20260278600Abstract: 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: May 4, 2026Publication date: September 17, 2026Applicant: CITIBANK, N.A.Inventor: Ryan MARSH
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Patent number: 12737650Abstract: Systems, methods, and devices for generating constrained outputs for large language models are disclosed. The system receives an input query relating to a request from a user via a user interface associated with an entity. The system retrieves knowledge elements from a proprietary knowledge corpus, including frameworks, methodologies, or constraints specific to the entity. For each knowledge element, the system inputs the query and knowledge element into a large language model to generate a preliminary output. The system applies user-specific rules to generate a constrained output by parsing the preliminary output, evaluating response components against user-specific constraints as logical predicates, and modifying components that violate rules. The system generates citations linking outputs to source identifiers, aggregates the constrained outputs and citations to generate a composite response, and transmits it to the user interface.Type: GrantFiled: March 31, 2026Date of Patent: September 15, 2026Assignee: Citibank, N.A.Inventors: Joseph V Bonanno, Jr., Satchel Aviram, Vasanthakumar Rajendran, Karolina Belwal, Rachit Kumar, James Randolph Myers
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Patent number: 12737805Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.Type: GrantFiled: August 15, 2024Date of Patent: September 15, 2026Assignee: Citibank, N.A.Inventors: Andres Wolberg-Stok, Sonia Olivo Alfieri, Dominic Varacalli, Syed Rahat, Wayne Browning
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Patent number: 12737635Abstract: The systems and methods disclosed herein receive alphanumeric characters defining operative boundaries for expected model use cases, along with operational data. The expected model use cases share common attributes, which are used by a first AI model to construct observed model use cases from the operational data. Each observed model use case includes features such as a text-based description, expected input and output, AI model(s) generating the expected output from the input, and/or data supporting the AI models. For each observed model use case, a second AI model maps the alphanumeric characters and features to a risk category, selecting from multiple risk categories based on the level of risk associated with the features. The system identifies criteria for the observed model use case within the alphanumeric characters and generates gaps by comparing the criteria with the features of the observed model use case.Type: GrantFiled: December 11, 2025Date of Patent: September 15, 2026Assignee: CITIBANK, N.A.Inventors: Sofia Rahman, Christopher Tucker, James Randolph Myers, Prashant Praveen, Shardul Malviya, Wayne Liao, Deepak Jain, Samantha Cory, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Payal Jain, Tariq Husayn Maonah, Vishal Mysore, Ramkumar Ayyadurai, Chamindra Desilva
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Patent number: 12738274Abstract: The systems and methods disclosed herein detect indicators of undesirable intent during interactions between users and digital avatars by evaluating emotional signals in user speech. The system generates emotion feature vectors from user input streams that capture characteristics such as pitch variation, speech rate, vocal intensity, spectral features, and so forth. The system uses a two-level evaluation that compares the emotion feature vector against a population baseline derived from historical user interactions to generate a population anomaly score and further compares the emotion feature vector against an allow list database and a deny list database to generate a threat match score based on known protected categories (e.g., threat categories, allowed categories). The system aggregates these scores to produce a risk score, which is evaluated against threshold values to determine a response action (e.g.Type: GrantFiled: March 30, 2026Date of Patent: September 15, 2026Assignee: Citibank, N.A.Inventors: James Randolph Myers, Jefferson Okraku
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Patent number: 12737181Abstract: The systems and methods disclosed herein receives, from a computing device, operational data indicating software or hardware assets used on informational assets, and obtains set of alphanumeric characters defining operative boundaries for expected system assets, which include a set of common attributes. Using the set of attributes, a first set of AI models determines observed system assets from the operational data, each with specific features. A second set of AI models associates each information asset with the corresponding observed system assets. For each observed system asset, a third set of AI models identifies criteria within the alphanumeric characters, compares the criteria with the asset's features to identify gaps, and generates actions to ensure the observed system asset meets the identified criteria.Type: GrantFiled: December 15, 2025Date of Patent: September 15, 2026Assignee: CITIBANK, N.A.Inventors: Sofia Rahman, Christopher Tucker, James Randolph Myers, Prashant Praveen, Shardul Malviya, Wayne Liao, Deepak Jain, Samantha Cory, Mariusz Saternus, Daniel Lewandowski, Biraj Krushna Rath, Stuart Murray, Philip Davies, Payal Jain, Tariq Husayn Maonah, Vishal Mysore, Ramkumar Ayyadurai, Chamindra Desilva
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Publication number: 20260267999Abstract: 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: ApplicationFiled: May 1, 2026Publication date: September 10, 2026Applicant: Citibank, N.A.Inventor: Alex McMahon
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Publication number: 20260267725Abstract: Systems and methods for real-time mapping and visualization generation of system components. The system may receive a first user request to generate a first visualization of a first configuration of a first subset of components in a first software system. The system may, in response to the first user request, retrieve a first software applications lineage log, wherein the first software applications lineage log comprises a log of event data of current processes being performed in the first software system. The system may generate a first feature input based on the first software applications lineage log. The system may input the first feature input into a first artificial intelligence model to generate a first output.Type: ApplicationFiled: April 28, 2026Publication date: September 10, 2026Applicant: Citibank, N.A.Inventors: Pranita Patil, Michael Naggar, Richard Lawton, Mayank Vinayaka, Dinakar Anumolu, Brendan Hall
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Publication number: 20260270085Abstract: 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: April 27, 2026Publication date: September 10, 2026Applicant: Citibank, N.A.Inventors: Shishir Singh, Jonathan Miles Collin Rosenoer, Andres Wolberg-Stok, Biser Dimitrov