Citigroup Patent Applications

Patents granted to Citigroup by the U.S. Patent and Trademark Office (USPTO).

  • Publication number: 20150178828
    Abstract: A method and system comprising: receiving, by a master program administrator server from a first asset purchasing entity server, a first asset purchasing entity portfolio report on a periodic basis and from a second asset purchasing entity server, a second asset purchasing entity portfolio report on a periodic basis. Transmitting, by the master program administrator server to a program asset administrator server, the first asset purchasing entity portfolio report and the second asset purchasing entity portfolio report, and a central funding entity collection report based on payment collection from the first asset purchasing entity server and the second asset purchasing entity server. Receiving, by the master program administrator server from the program asset administrator server, an analysis report based and transmitting an action item based on the analysis report.
    Type: Application
    Filed: December 17, 2014
    Publication date: June 25, 2015
    Applicant: CITIBANK, N.A.
    Inventor: Konel PAREKH
  • Publication number: 20150006307
    Abstract: A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
    Type: Application
    Filed: September 15, 2014
    Publication date: January 1, 2015
    Applicant: CITICORP CREDIT SERVICES, INC.
    Inventor: William JOHNSON
  • Publication number: 20140245419
    Abstract: 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: Application
    Filed: February 28, 2013
    Publication date: August 28, 2014
    Applicant: CITIBANK, N.A.
    Inventor: CITIBANK, N.A.
  • Publication number: 20140229891
    Abstract: Methods and systems for managing a graphical user interface involve, for example, defining, using a processor coupled to memory, a threshold distance between windows on a display screen at which a mutual attraction between the windows is activated to draw the windows together as components of a picture of windows. Also using the processor, all windows of a same functional type that are components of the picture of windows are resized simultaneously without affecting the size of windows of other functional types that are also components of the picture of windows. Likewise using the processor, all windows on the display screen are maintained in an active state regardless of a focus of a user input device.
    Type: Application
    Filed: February 14, 2013
    Publication date: August 14, 2014
    Applicant: CITIBANK, N.A.
    Inventor: Citibank, N.A.
  • Publication number: 20140200909
    Abstract: Methods and systems for electronically managing healthcare expenses and payments involve, for example, receiving information from a health plan processor consisting at least in part of an adjudicated balance owed by a user to a healthcare provider, optionally receiving an adjustment of the adjudicated balance from the healthcare provider, and presenting the adjudicated balance and the optional adjustment, if any, to the user. Thereafter, a payment of the user for the adjudicated balance, as optionally adjusted, may be received, and the user's payment, or information therefor, for the adjudicated balance, as optionally adjusted, may be sent to the healthcare provider.
    Type: Application
    Filed: January 17, 2013
    Publication date: July 17, 2014
    Applicant: Citibank, N.A.
    Inventor: Citibank, N.A.
  • Publication number: 20140201071
    Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
    Type: Application
    Filed: March 18, 2014
    Publication date: July 17, 2014
    Applicant: CITICORP CREDIT SERVICES, INC.
    Inventors: Sean T. Lynch, Dickson Chu
  • Publication number: 20140143152
    Abstract: It is desirable to implement security features that can prevent the unauthorized use of a customer's sensitive account information from an RFID sticker. The methods and systems described herein attempt to resolve the deficiencies with the conventional RFID stickers. In a more secure implementation, a financial institution allows a customer to activate or deactivate the account for use with the RFID sticker by submitting a request to the financial institution using internet banking, mobile banking, SMS texting, or other communications method.
    Type: Application
    Filed: January 8, 2014
    Publication date: May 22, 2014
    Applicant: Citibank, N.A.
    Inventor: Satish Mukunda MENON
  • Publication number: 20140122568
    Abstract: Methods and systems for managing directory information, such as onboarding a LDAP server, employing a processor coupled to memory and other computer hardware and software components for receiving a request related to one or more applications from a requestor in pre-determined business logic, acknowledging the request by an approver function without requiring the requestor to negotiate, for example, with an LDAP administrator to justify the request, and provisioning the request into the enterprise LDAP server in the pre-determined business logic.
    Type: Application
    Filed: October 30, 2012
    Publication date: May 1, 2014
    Applicant: CITIGROUP TECHNOLOGY, INC.
    Inventor: CITIGROUP TECHNOLOGY, INC.
  • Publication number: 20140095251
    Abstract: Methods and systems for optimizing marketing strategy to financial institution customers or prospective customers employ a processor coupled to memory and other computer hardware and software components for receiving customer profile data with a plurality of transaction card issuers other than the financial institution, developing models based at least in part on the customer profile data and at least in part on financial institution customer account and credit data, and generating estimated spend and balance behaviors for at least one financial institution customer with the plurality of transaction card issuers other than the financial institution based at least in part on said models. Based at least in part on the estimated spend and balance behaviors, financial institution marketing initiatives are created.
    Type: Application
    Filed: October 3, 2012
    Publication date: April 3, 2014
    Applicant: Citicorp Credit Services, Inc.
    Inventor: Citicorp Credit Services, Inc.
  • Publication number: 20140089262
    Abstract: Methods and systems for modeling a replication topology involve, for example, representing a plurality of replication components of a replication topology in a first binary matrix using a processor coupled to memory and generating a result matrix based at least in part on the first binary matrix likewise using the processor. Thereafter, also using the processor, replication components of the replication topology may be identified that are either enabled or non-enabled to receive replications from other replication components of the replication topology based at least in part on the result matrix.
    Type: Application
    Filed: September 21, 2012
    Publication date: March 27, 2014
    Applicant: CITIGROUP TECHNOLOGY, INC.
    Inventors: Sandeep Nair, Jerry Speyer, Raj Punuru
  • Publication number: 20140067669
    Abstract: Methods and systems for managing communication streams from multiple sources while utilizing a single short code employ a processor coupled to memory and other computer hardware and software components for establishing at least one conversation session with an outbound message to a recipient and defining a lifespan of the outbound message of the at least one conversation session. At least one reply to a response from the recipient to the outbound message of the at least one conversation session is delivered during the lifespan of the outbound message of the at least one conversation session.
    Type: Application
    Filed: August 31, 2012
    Publication date: March 6, 2014
    Applicant: CITICORP DEVELOPMENT CENTER, INC.
    Inventors: Todd Meeks, Scott Metz, Giri Narayanan, Rajendra Thota, Christina Carter, Saurabh Gaba, Milan Shah, Griselda Palaniswamy, Jit Sen
  • Publication number: 20140046816
    Abstract: Methods and systems for managing cardholder spending on a transaction card account employ a processor coupled to memory and other computer hardware and software components to receive a monthly spending budget for a cardholder, track expenditures of the cardholder in a current month against the monthly spending budget, and adjust the monthly spending budget for a succeeding month when expenditures exceed a credit limit of the cardholder. The adjustment may be made according to an order of a predetermined prioritization of a plurality of budget categories or by a proportional amount in each of the plurality of budget categories in the absence of a predetermined prioritization.
    Type: Application
    Filed: August 8, 2012
    Publication date: February 13, 2014
    Applicant: CITIGROUP CREDIT SERVICES, INC.
    Inventors: Mishez Avari, Andrew Eric Ziesmer
  • Publication number: 20130299585
    Abstract: A magnetic stripe card reader assembly and method includes a panel having portions defining a card entry opening of a card entry path provided for receiving a magnetic stripe card with the magnetic stripe disposed perpendicular to the card entry path. A card swipe path in communication with the card entry path is provided for swiping the card with the magnetic stripe disposed parallel to the card swipe path, and a magnetic stripe read head is disposed proximate the card swipe path for reading only a pre-determined segment of the magnetic stripe. The panel is also provided with portions defining a card withdrawal opening of a card withdrawal path in communication with the card swipe path and partly overlapping the card entry opening for withdrawal of the card with the magnetic stripe disposed perpendicular to the card withdrawal path.
    Type: Application
    Filed: May 14, 2012
    Publication date: November 14, 2013
    Applicant: CITIGROUP TECHNOLOGY, INC.
    Inventors: Randy Yokomoto, Ian Kidman, Nhut Trung Ha, Joseph Butryn
  • Publication number: 20130297490
    Abstract: Methods and systems for routing payment transactions electronically for multinational vendors in a transnational business environment in which an integrated payments platform processor is used in receiving payment transactions related to a plurality of different countries by a financial institution for online purchases. Each payment transaction is interrogated, using the integrated payments platform processor, to identify the payment transaction as an internal type of transaction or an external type of transaction and a country to which the payment transaction relates. Internal types of transactions are routed to an internal transaction processing path and external types of transactions to an external processing path, and the financial institution may arrange settlement of each payment transaction likewise using the processor.
    Type: Application
    Filed: May 3, 2012
    Publication date: November 7, 2013
    Applicant: Citigroup Technology, Inc.
    Inventors: Deborah D. McWhinney, Julia C. Pukas, Kevin Tissot, Guy B. Sereff, Cecilia Leung, Julie Monaco, David Strong, Craig Hansen
  • Publication number: 20130268420
    Abstract: Methods and systems for real-time, interactive solutioning and visualization of working capital for an enterprise employ a processor coupled to memory and other computer hardware and software components for storing fixed data consisting at least in part of information regarding financial institution products and information regarding governmental regulations; storing variable data consisting at least in part of information regarding operations of the enterprise; receiving variable data interactively consisting at least in part of information regarding enterprise preferences; and generating at least one recommendation for a proposed structure for the enterprise based at least in part on the fixed data and the variable data.
    Type: Application
    Filed: April 5, 2013
    Publication date: October 10, 2013
    Applicant: Citigroup Technology, Inc.
    Inventors: Shi Wei Ong, E May Neoh, Stephen Chan, Keng Mun Lee, Kwan Hoon Park, Andrew Kehoe, Alfonso Martin, Anthony Nappi, Geraldine Yip, Dianne Challenor, Sudeep Yadav, Gourang Shah, Philippe Jaccard, Jason Batman, Mike David, Danielle Johnson, Peter Williams, Elizabeth Towler, Gary Greenwald, Yogesh Ajinkya, Sabiha Kazi
  • Publication number: 20130262292
    Abstract: Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path.
    Type: Application
    Filed: March 27, 2012
    Publication date: October 3, 2013
    Applicant: Citigroup Credit Services, Inc.
    Inventors: Darren Davis, Tom Koch, John D. Miller, Eric Philips, Guy B. Sereff, Stacy Tobias, Vasu Vemuri, Rochelle Wesselink, Scott Tanguay, Robert Strub, Caleb Williams, Shamus Weiland
  • Publication number: 20130254000
    Abstract: Methods and systems for generating customer incentive awards involve receiving, using a processor coupled to memory, information regarding a balance of a deposit account, such as a savings account, of at least one customer for determination of an award amount related to a loan account of the customer. Using the processor, the award amount may be computed based on at least in part on the balance of the deposit account and at least in part on an interest rate of the loan account of the customer. Thereafter, likewise using the processor, the award amount may be applied to an account designated by the customer, such as a mortgage loan account of the customer.
    Type: Application
    Filed: May 14, 2013
    Publication date: September 26, 2013
    Applicant: Citibank, N.A.
    Inventors: Eric William Bloomquist, Brian Dennis Brown
  • Publication number: 20130238497
    Abstract: Methods and systems for performing a pre-staged financial transaction using a computing device involve, for example, receiving, using a self-service transaction terminal processor, pre-staged transaction data in a session at the self-service financial transaction terminal, which pre-staged transaction data was entered on a mobile computing device at a time preceding a time of the session. Thereafter, using the self-service transaction terminal processor, a transaction is executed, based at least in part on the pre-staged transaction data.
    Type: Application
    Filed: March 8, 2012
    Publication date: September 12, 2013
    Applicant: Citicorp Development Center, Inc.
    Inventors: Renjith Ramachandran, Erwin Catindig, Naeem Rana, Lakshmi Maddala Ragavendra Swamy, Jason Orn
  • Publication number: 20130238493
    Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
    Type: Application
    Filed: April 19, 2013
    Publication date: September 12, 2013
    Applicant: Citicorp Credit Services, Inc.
    Inventors: Sean T. Lynch, Dickson Chu
  • Publication number: 20130232032
    Abstract: Methods and systems for performing mobile collections utilize computer hardware and software for receiving delivery information including, for example, an agent identifier, a delivery identifier and details of a scheduled delivery, and a buyer identifier. Upon receiving the delivery identifier and a submit request from a communication device of the agent, an authorization request is sent to a communication device of the buyer. On receiving the buyer identifier and an authorization response from the communication device of buyer, a settlement request for the delivery is sent to a banking network. Thereafter, payment for the delivery is received in an account of the supplier.
    Type: Application
    Filed: March 1, 2012
    Publication date: September 5, 2013
    Applicant: Citibank Europe plc
    Inventors: Preeti Chaturvedi, David Fleming, Michael Knorr, Tomasz Smilowicz, Thomas Ko, Gerard Doyle
  • Publication number: 20130218698
    Abstract: The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.
    Type: Application
    Filed: March 27, 2013
    Publication date: August 22, 2013
    Applicant: Citicorp Credit Services Incorporated
    Inventor: Citicorp Credit Services Incorporated
  • Publication number: 20130103612
    Abstract: The present invention relates to a method and system for assessing the risks and/or exposures associated with financial transactions using various statistical and probabilistic techniques. Specifically, the present invention relates to a method and system for identifying plausible sources of error in data used as input to financial risk assessment systems using Bayesian belief networks as a normative diagnostic tool to model relationships between and among inputs/outputs of the risk assessment system and other external factors.
    Type: Application
    Filed: December 10, 2012
    Publication date: April 25, 2013
    Applicant: Citibank, N.A.
    Inventor: Citibank, N.A.
  • Publication number: 20130097429
    Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.
    Type: Application
    Filed: September 21, 2012
    Publication date: April 18, 2013
    Applicant: CITIBANK DEVELOPMENT CENTER, INC.
    Inventor: CITIBANK DEVELOPMENT CENTER, INC.
  • Publication number: 20130073606
    Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.
    Type: Application
    Filed: September 15, 2011
    Publication date: March 21, 2013
    Applicant: Citicorp Development Center, Inc.
    Inventors: France Law-How-Hung, Ramadurai V. Ram
  • Publication number: 20130073594
    Abstract: Methods and systems for assessing data involve, collecting samples of data elements from a database storing a population of data elements representing attributes of each numerous different financial transactions. Critical data elements from the collected samples are determined. Data quality rules are built and data dimensions are calculated for the critical data elements. A quality of data within the critical data elements for different data quality dimensions is monitored. Critical data elements that produce a high number of outliers are identified and causes for the outliers are identified. Thereafter, a corrective action plan to address a solution for the causes for the outliers may be developed and executed.
    Type: Application
    Filed: September 19, 2011
    Publication date: March 21, 2013
    Applicant: Citigroup Technology, Inc.
    Inventors: Rajesh Jugulum, Rajalakshmi Ramachandran, Jagmeet Singh, Robert A. Granese, Kenneth Brzozowski, Harold Ian Joyce, Don Gray
  • Publication number: 20130041746
    Abstract: Methods and systems of electronic messaging for verification and/or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.
    Type: Application
    Filed: August 10, 2011
    Publication date: February 14, 2013
    Applicant: Citibank, N.A.
    Inventors: Eran Hollander, Andrew John Kese, Carrie Jubinski, Nicole Carroll, Allison Lindemann
  • Publication number: 20130041817
    Abstract: Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.
    Type: Application
    Filed: August 12, 2011
    Publication date: February 14, 2013
    Applicant: Citibank, N.A.
    Inventors: Gary Greenwald, Dickson Chu
  • Publication number: 20130041767
    Abstract: Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.
    Type: Application
    Filed: October 31, 2011
    Publication date: February 14, 2013
    Applicant: Citibank, N.A.
    Inventors: Eran Hollander, Andrew John Kese, Carrie Jubinski, Nicole Carroll, Allison Lindemann
  • Publication number: 20120296795
    Abstract: Methods and systems for matching buy and sell orders that maximize the number of shares matched while simultaneously providing an even allocation of shares regardless of when a given order is received, are provided herein. The methods and system utilize an optimization function to determine the optimized price point at which the maximum number of shares can be matched using such inputs as a set of buy and sell orders, market spread, and participant defined exclusion criteria. This optimized price point may then be used to select those buy and sell orders eligible for participation in the matching event. Shares are then evenly allocated between participants using, for example, a round-lot base allocation procedure. The methods and systems may also utilize an anti-gaming function that compresses multiple orders from a single participant into a single participant interest prior to allocating shares.
    Type: Application
    Filed: May 20, 2011
    Publication date: November 22, 2012
    Applicant: CITIGROUP GLOBAL MARKETS, INC.
    Inventor: Hannes Greim
  • Publication number: 20120265680
    Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.
    Type: Application
    Filed: April 13, 2011
    Publication date: October 18, 2012
    Applicant: CITIGROUP CREDIT SERVICES, INC.
    Inventors: Sean T. Lynch, Dickson CHU
  • Publication number: 20120101992
    Abstract: A method for updating web pages on a web server without republishing the web pages involves providing a live version on a production database and a quality assurance version on a quality assurance web server. A maker at a business workstation can access the quality assurance database server and enter a change to data on the quality assurance version of the business data tables, and a checker at the business workstation accesses the quality assurance database server to review and approve or reject changes to the data on the quality assurance version of the business data tables, and if the checker approves the changes, the changes to the data on the quality assurance version of the business data tables are replicated from the quality assurance database server to the live version on the production database server.
    Type: Application
    Filed: December 19, 2011
    Publication date: April 26, 2012
    Applicant: Citicorp Development Center, Inc.
    Inventors: Roy Sykes, Joseph Zusman, Sikun Lan, Kent Frazier, Tyler Young, Yong Huang, Stanislav Solari
  • Publication number: 20120089505
    Abstract: Methods and systems for managing transaction card accounts in which cardholders are permitted to incur transaction charge balances on existing transaction card accounts and substituting the existing transaction card for each of at least a portion of the plurality of cardholders with a different transaction card product upon an occurrence of one of termination of a private label or co-branded agreement and a predetermined level of inactivity on the transaction card account which has significant additional features and benefits absent from the existing transaction card product.
    Type: Application
    Filed: December 16, 2011
    Publication date: April 12, 2012
    Applicant: Citicorp Credit Services, Inc.
    Inventors: William Johnson, Craig Vallorano
  • Publication number: 20120078794
    Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products.
    Type: Application
    Filed: November 17, 2011
    Publication date: March 29, 2012
    Applicant: Citicorp Development Center, Inc.
    Inventors: Michael L. Grandcolas, Nancy Bryant, Howard A. Schechtman, Dilip J. Parekh
  • Publication number: 20120072714
    Abstract: A method and system for securely logging onto a banking system authentication server so that a user credential never appears in the clear during interaction with the system in which a user's credential is DES encrypted, and the DES key is PKI encrypted with the public key of an application server by an encryption applet before being transmitted to the application server. Within the HSM of the application server, the HSM decrypts and re-encrypts the credential under a new DES key known to the authentication server, the re-encrypted credential is forwarded to the authentication server, decrypted with the new DES key known to the authentication server, and verified by the authentication server.
    Type: Application
    Filed: November 15, 2011
    Publication date: March 22, 2012
    Applicant: Citibank Development Center, Inc.
    Inventors: Michael Grandcolas, Marc Guzman, Thomas Yee, Dilip Parekh, Yonggiang Chen
  • Publication number: 20120059761
    Abstract: A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card.
    Type: Application
    Filed: November 15, 2011
    Publication date: March 8, 2012
    Applicant: Citibank, N.A.
    Inventors: Matthew J. Gillin, Roger Korfmann, Paul L. Raden
  • Publication number: 20110296522
    Abstract: Described herein are systems and methods for centralizing and standardizing implementation of security tokens so as to provide one token per one user for accessing business applications across an enterprise, providing scalability to support authentication of as many enterprise users as desired or needed, and providing a standardized token management interface that supports both pre-binding and post-binding user registration processes and different types of security token.
    Type: Application
    Filed: August 9, 2011
    Publication date: December 1, 2011
    Applicant: Citibank, N.A.
    Inventors: Jerry Speyer, Sandeep Nair, Ricky Luo
  • Publication number: 20100273330
    Abstract: The present invention relates to a solution for treating a surface of a substrate for use in a semiconductor device. More particularly, the present invention relates to a liquid rinse formulation for use in semiconductor processing, wherein the liquid formulation contains: i. a surface passivation agent; and ii. an oxygen scavenger, wherein the pH of the rinse formulation is 8.0 or greater.
    Type: Application
    Filed: August 23, 2006
    Publication date: October 28, 2010
    Applicant: CITIBANK N.A. AS COLLATERAL AGENT
    Inventors: Janos Farkas, Maria-Luisa Calvo-Munez, Philippe Monnoyer, Sebastien Petitdidier
  • Publication number: 20100166085
    Abstract: A LIN network comprises a transmit driver for communicating on a single communication bus. A slope control module is operably coupled to a supply voltage and arranged to identify a voltage transition, and in response thereto and via control of the transmit driver selectively apply one of: a first voltage transition mode comprising a constant DV/DT slope transition, or a second voltage transition mode comprising a fixed time transition.
    Type: Application
    Filed: May 24, 2006
    Publication date: July 1, 2010
    Applicant: CITIBANK N.A.
    Inventor: Thierry Sicard
  • Publication number: 20090301867
    Abstract: A system for processing a semiconductor substrate during fabrication of semiconductor devices provides a plurality of semiconductor substrate processing stations in a physically integrated system, as well as a semiconductor substrate transport system for transporting a semiconductor substrate between the respective processing stations. In particular, the processing system according to the present invention favors the use of liquid phase process steps, particularly deposition process steps, instead of gas or vapor phase processing. Even more particularly, the system contemplates deposition of a metallic barrier layer 30 on the semiconductor substrate in liquid phase.
    Type: Application
    Filed: February 24, 2006
    Publication date: December 10, 2009
    Applicant: CITIBANK N.A.
    Inventors: Janos Farkas, Cindy Goldberg, Katie Yu, Srdjan Kordic
  • Publication number: 20090198926
    Abstract: A method, the method includes providing data; retrieving interleaving command information from a two dimensional array of interleaving command information; wherein the two dimensional array includes multiple interleaving command information rows, each row includes interleaving commands associated with multiple TDM time slots; and determining, in response to the retrieved interleaving command information, whether to provide data from a first data source or from a second data source.
    Type: Application
    Filed: May 29, 2006
    Publication date: August 6, 2009
    Applicant: CITIBANK, N.A.
    Inventors: Eran Glickman, Yaron Alankry, Avihai Graizei
  • Publication number: 20090125647
    Abstract: A method for executing a DMA task, the method includes receiving a request to execute a DMA task; the method characterized by including: defining inter-buffer jumping points at substantially an end of one or more dimensions of each multidimensional buffer out of a plurality of multidimensional buffers; and executing multiple DMA sub-tasks, wherein the executing includes jumping between buffers at the inter-buffer jumping points. A device hat includes at least one memory unit and a DMA controller adapted to access the memory unit; the device is characterized by being adapted to implement multidimensional buffers within the at least one memory unit; wherein the DMA controller is adapted to execute multiple DMA sub-tasks, wherein the execution comprises jumping between buffers at inter-buffer jumping points; and wherein the inter-buffer jumping points are defined at substantially an end of one or more dimensions of each multidimensional buffer out of a plurality of multidimensional buffers.
    Type: Application
    Filed: June 30, 2005
    Publication date: May 14, 2009
    Applicant: CITIBANK, N.A.
    Inventors: Uri Shasha, Sagi Gurfinkel, Gilad Hassid, Eran Kahn
  • Publication number: 20090103489
    Abstract: An arrangement and method for discontinuous software FDD monitoring during TDD call allows removal of a conventional external notch filter in a dual mode WCDMA and PCS/DCS handset. The WCDMA RX frame is allowed to have a few slots corrupted by the PCS/DCS transmitter noise during DCS transmission, and a scheme is used to recover the required information by not considering the corrupted slots. Due to the fact that during WCDMA FDD RX monitoring, the processing required is performed in stages, and since the information that is measured during a WCDMA frame is repeated in every frame, the scheme of the invention is based on the idea that if a given slot is corrupted in a WCDMA frame, in the next WCDMA frame the slot will be no more corrupted due to the difference in timing between the PCS/DCS transmitter protocol and the WCDMA timing protocol.
    Type: Application
    Filed: July 2, 2004
    Publication date: April 23, 2009
    Applicant: CITIBANK, N.A.
    Inventors: Nadim Khlat, David Myara
  • Publication number: 20090106487
    Abstract: An electronic device comprises a processing unit operably coupled to a buffer random access memory, in turn operably coupled to a non-volatile memory configured to emulate an electrically erasable programmable read only memory. The processing unit is arranged to transfer data between the buffer RAM and the non-volatile memory at a first clock frequency. A second RAM is operably coupled between the processing unit and the non-volatile memory and the processing unit sets a Tag bit in the second RAM to identify an address in the buffer RAM that is being written to or read from by the processing unit.
    Type: Application
    Filed: February 9, 2006
    Publication date: April 23, 2009
    Applicant: CITIBANK, N.A.
    Inventor: Joachim Kruecken
  • Publication number: 20080113471
    Abstract: A multi-chip package includes a package substrate. First and second semiconductor die are formed on the package substrate. The first and the second semiconductor die are configured to communicate with each other via a high-speed serial communications protocol.
    Type: Application
    Filed: January 10, 2008
    Publication date: May 15, 2008
    Applicant: Citicorp North America, Inc.
    Inventors: Michael Kelly, Paul Chenard, Revathi Polisetti, Patrick McKinley
  • Publication number: 20070288372
    Abstract: A method and system for awarding rebates based on credit card usage to a consumer credit card holder is provided. A rebate tally is accrued based on a percentage of eligible purchases made by the consumer card holder. The rebate is earned when the consumer card holder makes a qualifying purchase, which may be, for example, an automobile sold by any manufacturer. The rebate program disclosed does not associate the rebate earned with any particular manufacturer. The rebate is paid directly by the credit card issuer to the credit card holder.
    Type: Application
    Filed: August 13, 2007
    Publication date: December 13, 2007
    Applicant: CITIBANK, N.A.
    Inventors: Sheryl Behar, Carol Lewbell-Gray, Cheryl Cunha
  • Publication number: 20070240037
    Abstract: Computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.
    Type: Application
    Filed: May 21, 2007
    Publication date: October 11, 2007
    Applicant: CITICORP DEVELOPMENT CENTER, INC.
    Inventors: France Law-How-Hung, Sam Shahdousti, Patrick Law, Anna Putnam, Peter Lomenzo
  • Publication number: 20030135358
    Abstract: A method and system is provided for making a database stored upon a computer readable medium for use as a computerized multilingual phrase database in a runtime application environment. A database of all application phrases is created in one language with variable place holders reserved in the application phrases for each variable in the phrases. Translations of the created application phrases are created and stored in at least a second phrase database. The first and second phrase databases are exported in a form that can be used in a runtime environment by an application for which the first database and the second database were created.
    Type: Application
    Filed: September 4, 2002
    Publication date: July 17, 2003
    Applicant: Citicorp Development Center, Inc.
    Inventors: George Lissauer, Victor Che Kwong, Jack Hsiung, Reid Kneeland, Dilip Parekh