Citigroup Patents Granted

Citigroup patent applications that are pending before the United States Patent and Trademark Office (USPTO).

  • Patent number: 7165020
    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: Grant
    Filed: September 4, 2002
    Date of Patent: January 16, 2007
    Assignee: Citicorp Development Center, Inc.
    Inventors: George Lissauer, Victor Che Kwong, Jack Hsiung, Reid Kneeland, Dilip Parekh
  • Patent number: 7137006
    Abstract: Methods and systems for single sign-on user access to multiple web servers are provided. A user is authenticated at a first web server (e.g., by user name and password). The first web server provides a web page to the user having a service selector (e.g., a hyperlink comprising the URL of a second web server offering the service indicated by the selector). When the user activates the service selector, the first web server constructs and transmits an encrypted authentication token (e.g., a cookie) from the first web server to a second web server via the user client. The first and second web servers share a sub-domain. The authentication token comprises an expiration time and is digitally signed by the first web server and is authenticated at the second web server. Upon authentication, the second web server allows the user to conduct a session at the second web server.
    Type: Grant
    Filed: September 22, 2000
    Date of Patent: November 14, 2006
    Assignee: Citicorp Development Center, Inc.
    Inventors: Michael L. Grandcolas, France Law, Ashwin Doshi, Michael Williams, Yeona Jang, Toni Merschen, Jack Pan
  • Patent number: 7130823
    Abstract: An automated trading system makes use of various components, such as one or more transaction servers and one or more rate servers and a number of terminals. A request for a proposed transaction for a user is entered at either a user's terminal or a sales trader's terminal and sent to a transaction server coupled to a rate server. If a first predefined condition for generating an executable rate quote is identified, an executable rate quote is generated by the rate server and sent back to the user's or sales trader's terminal for the user. Otherwise, if a second predefined condition for a category trader's rate quote is identified, a request for the category trader's rate quote is sent by the transaction server to one or more category trader's terminals, prompting entry of a category trader's rate quote by one or more of the category traders, which is likewise sent back to the user's or sales trader's terminal for the user.
    Type: Grant
    Filed: December 3, 1999
    Date of Patent: October 31, 2006
    Assignee: Citibank Aktiengesellschaft
    Inventors: Peter E. Rayner, Elizabeth Brooks, Fred Irwin, Mark Johnson, Andreas T. Lieven, Neil Potter, Andreas Raschdorf, Marie Torremante, Christine Licci, Dieter Pfundt
  • Patent number: 7110981
    Abstract: A method and system for providing integrated financial services including brokerage services through an ATM network permits trading of securities, portfolio evaluation, security price evaluation, and brokerage account inquiries. The invention utilizes a familiar customer interface, a standard ATM or a customer activated terminal, to provide brokerage functions with a network conventionally used to perform traditional banking functions. The system and method according to the invention provides for trading of a wide variety of publicly traded security by linking the customer to a brokerage system. Provisions are further made for obtaining real time price quotations for up-to-the-minute portfolio evaluation and accurate buy and sell orders.
    Type: Grant
    Filed: January 12, 1998
    Date of Patent: September 19, 2006
    Assignee: Citibank, N.A.
    Inventors: Paul Sidikman, Lawrence D. Weiss
  • Patent number: 7107243
    Abstract: A method and system for automated bill payment service makes use of one or more application programs, such as a bank's retail system application and a bill payment application, running on one or more servers, as well as one or more data storage devices. A customer calls, for example, an 800 number and enters identification information in response to prompts by the system. The system verifies the customer's identification and, in response to selection of a single bill payment option, prompts the customer to enter information about at least one bill payment for a payee. The system provides selection of the payee from a customer-specific bill payee list or a system-spoken payee list and various menu functions. The system automatically schedules the bill payment for the customer according to the entered bill payment information, and renders the scheduled payment to the payee for the customer.
    Type: Grant
    Filed: August 3, 1999
    Date of Patent: September 12, 2006
    Assignee: Citibank, N.A.
    Inventors: Gregory McDonald, Patrick Wheeler
  • Patent number: 7092905
    Abstract: Systems and methods for processing credit card transactions including an account with a multi-dimensional balance structure, wherein balance segments within the balance structure have individually-definable terms and conditions. A system receives incoming transaction data by way of a conventional transaction system. A transaction processor within the system uses predetermined balance rules to determine an appropriate balance segment within an associated masterfile, which stores data. The multi-dimensional balance structure allows financial institutions to provide customers with special promotions for transactions meeting predetermined requirements, such as transactions with particular merchants, Internet purchases, and automobile-related purchases.
    Type: Grant
    Filed: October 31, 2001
    Date of Patent: August 15, 2006
    Assignee: Citibank, N.A.
    Inventors: Anita M. Behrenbrinker, Richard D. Feight
  • Patent number: 7076061
    Abstract: Improvements are obtained in key generation and cryptographic applications in public key cryptography, by reducing the bit-length of public keys, thereby reducing the bandwidth requirements of telecommunications devices, such as wireless telephone sets.
    Type: Grant
    Filed: May 19, 2000
    Date of Patent: July 11, 2006
    Assignee: Citibank, N.A.
    Inventors: Arjen K. Lenstra, Eric R. Verheul
  • Patent number: 7051001
    Abstract: A system and method for merchant function assumption of Internet checking and savings account transactions enables a service provider to take over all merchant type transactions and provide a merchant, such as an Internet merchant, with an approved order and appropriate credit for the transaction. A service provider server receives an electronic check or a payment instruction for the merchant from a customer. The payment instruction includes, for example, the originator's digital certificate and payment and purchase information, including the originator's checking or savings account number. The payment instruction is automatically sent to a customer's bank's server, which confirms the availability of funds for the payment. A confirmation of the availability of funds is automatically sent to the merchant, and a credit for the payment is automatically sent to the merchant's account.
    Type: Grant
    Filed: August 27, 1999
    Date of Patent: May 23, 2006
    Assignee: Citibank, N.A.
    Inventor: Alan Slater
  • Patent number: 7051096
    Abstract: A method and system for providing global self-service transaction terminals or automatic teller machines (ATMs) affords worldwide web content to ATM customers, centralized management for ATM operators, and supports local and remote administration for ATM field service personnel. The system includes multiple ATMs coupled over a network to a host, and the ATMs are provided with a touch screen interface and an interface for visually impaired persons. The ATMs enable both local and remote administration of ATM operations by bank personnel and an integrated network control. The ATMs are web-enabled, and ATM communications are performed over a communications network.
    Type: Grant
    Filed: September 1, 2000
    Date of Patent: May 23, 2006
    Assignee: Citicorp Development Center, Inc.
    Inventors: Theodore J. Krawiec, Stephen M. Gryte, John Frederick Riblett, Chris Shu-Wing Yu
  • Patent number: 7039812
    Abstract: A method and system for authenticating the identity of a user by an authority makes use of presenting biometric data for the user in a predetermined shared secret sequence. The method and system can be augmented by requesting an additional shared secret, such as a PIN or additional credentials, to establish multiple layers of authentication. Varying the layers of authentication results in greater or lesser security, and the accuracy for any given layer can be relaxed without compromising the integrity of the entire method.
    Type: Grant
    Filed: January 25, 2001
    Date of Patent: May 2, 2006
    Assignee: Citicorp Development Center, Inc.
    Inventors: Joseph C. Kawan, Yosif Smushkovich, Ronald King-Hang Chu
  • Patent number: 7028187
    Abstract: A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both money modules are capable of establishing a second cryptographically secure session. The merchant trusted agent transfers electronic merchandise to the customer trusted agent, and the first money module transfers electronic money to the second money module. The money modules inform their trusted agents of the successful completion of payment, and the customer may use the purchased electronic merchandise.
    Type: Grant
    Filed: August 21, 1998
    Date of Patent: April 11, 2006
    Assignee: Citibank, N.A.
    Inventor: Sholom S. Rosen
  • Patent number: 7024174
    Abstract: A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user's mobile phone, a mobile operator's interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and/or WAP or the like, a mobile payments engine, a mobile operator's prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform.
    Type: Grant
    Filed: July 22, 2002
    Date of Patent: April 4, 2006
    Assignee: Citibank, N.A.
    Inventors: Dan Nagy, Paul Goott, John Landry, David Cox, Michael C. Pang, Joe Favole, Michael Thompson
  • Patent number: 7020626
    Abstract: A synthetic currency transaction network which performs transactions with near real time finality of transaction between potential borrowers and potential lenders. Synthetic currency is created by pooling and dividing into shares a portfolio of highly liquid assets and frequent evaluation and disbursements of dividends on those assets so as to hold the value of the synthetic currency share at unity with the underlying currency. The synthetic currency network provides for interfacing users to the synthetic currency transaction network. A database is used for storing and maintaining records and other information of the network. A transaction manager manages network users' accounts and all network transactions. A fund accountant manages network information regarding the synthetic currency. A deposit bank acts as custodian for the portfolio of highly liquid assets which underlie the synthetic currency. An investment manager manages the measure of synthetic currency and directs investment decisions.
    Type: Grant
    Filed: July 17, 2000
    Date of Patent: March 28, 2006
    Assignee: Citibank, N.A.
    Inventors: Alvin Eng, Curtis Brill
  • Patent number: 7020639
    Abstract: A method and system for determining the negotiability of checks drawn on any account from any bank or other financial institution based on a comparison against stored information on whether or not checks previously drawn on that account have cleared and were paid includes a database having two related tables. A table of active accounts at any bank is generated by recording account information from checks presented for negotiation at a second bank. If the check is not returned after a predetermined number of days (i.e., the check is paid), the record is updated to show that the account is “in good standing”. A separate table of accounts that are not in good standing is generated from returned unpaid checks. For each new entry in the table of accounts that are not in good standing, a corresponding record in the active account table is updated to show a status of “not in good standing”.
    Type: Grant
    Filed: October 24, 2000
    Date of Patent: March 28, 2006
    Assignee: Citibank, N.A.
    Inventor: Alan T. Slater
  • Patent number: 7017187
    Abstract: The invention provides a method and system for quickly and preemptively controlling the outbreak of destructive software applications sent in an electronic messaging system. Such system and method provide an additional component to an electronic messaging system to detect and block possible malicious applications in attachments of electronic messages. The additional component can be customized to suit the electronic messaging system and reconfigured to accommodate future virus threats.
    Type: Grant
    Filed: December 28, 2000
    Date of Patent: March 21, 2006
    Assignee: Citigroup Global Markets, Inc.
    Inventors: John W. Marshall, Rob Ampaw, Dan Finucane
  • Patent number: 7010509
    Abstract: The present invention is a method and system for providing for investments to be made on behalf of an individual by a financial institution based on the individual's overall relationship to the financial institution. The relationship consists of the number, types, and size of accounts the individual has with the financial institution and any other companies associated with the financial institution. In addition, the length of time the individual maintains any of the accounts is also considered in the relationship. The financial institution saves resources by retaining individual loyal to the financial institution with larger account amounts and then uses this savings to invest into an account that will increase in value over time so as to provide the individual with greater assets in the future.
    Type: Grant
    Filed: July 23, 1999
    Date of Patent: March 7, 2006
    Assignee: Citibank, N.A.
    Inventors: John M. Hillman, Andrew F. Schadt
  • Patent number: 7007299
    Abstract: The present invention relates to a system and method for providing security to Internet hosting sites and mitigating electronic attacks against such sites. The system and method of the present invention provide: adequate Internet connections to the site to prevent connection floodings from intruders; implementation of different types of firewalls and an intrusion detection system to monitor and guard the site from electronic attacks; routing protocols to limit access to Internet hosting sites; continuous transfer of a hosting site from one geographic location to another in the event of an electronic attack against the hosting site or a disaster situation.
    Type: Grant
    Filed: August 30, 2001
    Date of Patent: February 28, 2006
    Assignee: Citibank, N.A.
    Inventors: Anthony Ioele, Mark Clancy, Gerald M. Samchuck, Syed Hasan Jafri, Howard Morgasen
  • Patent number: 6993505
    Abstract: The present invention discloses a method and system for collecting, standardizing, and analyzing lending data from all the offices of a financial institution, including information on small business, home equity, motor vehicle, credit card, mortgage, other secured and unsecured consumer products for commercial, community development, not-for-profit, and consortium customers. The invention enables data collection and analysis in a timely fashion such that interim reports may be prepared so that changes in lending practices can be implemented to assist with assuring compliance with the fair lending acts. A central repository is linked to all of the offices of the financial institution, and data mapping features are used to provide standardized reporting so that all data will be reported in a standardized form. The system processes, collects and standardizes information on new loans, renewals, credit line increases and application decisions for all of the business units within a financial institution.
    Type: Grant
    Filed: August 20, 1997
    Date of Patent: January 31, 2006
    Assignee: Citibank, N.A.
    Inventors: Charles B. Katz, William T. Caldon, Daniel Mahoney, Carl Stone
  • Patent number: 6978250
    Abstract: A system and method for performing and settling an electronic scrip transaction between a merchant and a member includes a database storing accounts for one or more participating merchants, scrip distributors, sponsoring organizations, and members. The system also includes merchant terminals, scrip distributor terminals, sponsoring organization terminals, and a system manager terminal, which are interconnected to one another, as well as to the database, over a network, and a member scrip card, such as a magnetic stripe card or a smart card. Transaction information, including the transaction amount, is entered at a merchant terminal and sent over the network to a scrip distributor terminal or system manager terminal, and the member's account is automatically debited by the transaction amount. Additionally, merchant loyalty point credit or tuition credit can be awarded and stored for the member in connection with the transaction amount.
    Type: Grant
    Filed: May 17, 1999
    Date of Patent: December 20, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventors: Joseph C. Kawan, Melvin Takata, Coleman Hanover
  • Patent number: 6970853
    Abstract: A method and system for strong, convenient authentication of a web user makes use, for example, of a computing device, such as a user's personal computer (PC), coupled over a network, such as the Internet, to one or more servers, such as the host server of an authenticating authority, as well as one or more databases of the authenticating authority. The authentication process is broken into three phases, namely a registration phase, an enrollment phase, and a transaction authentication phase, with each phase being less intrusive and less secure than the preceding phase. In the registration phase, an authenticating authority registers the user based upon identification of the user using a strong authentication technique and provides an authenticating token to the user, which can be used in the enrollment phase to enroll one or more user devices for the user.
    Type: Grant
    Filed: June 6, 2001
    Date of Patent: November 29, 2005
    Assignee: Citibank, N.A.
    Inventor: Daniel Schutzer
  • Patent number: 6970836
    Abstract: A system and method for securely storing data provides for storing, managing, and updating an owner's secret data and for accessing the stored data by a trusted third party upon the occurrence of an event, such as the death of the owner. The system and method makes use of application software, such as a virtual wallet running at least in part on the server of a trusted third party and with a virtual executor function and a virtual archivist function. The virtual executor function automatically escrows a trusted third party's access aspect of the owner's secret device for accessing the stored data. Upon verification of the occurrence of the event, the virtual executor provides access to the stored data using the trusted third party's access aspect. The virtual archivist function automatically updates technologies related to the stored data.
    Type: Grant
    Filed: April 14, 1999
    Date of Patent: November 29, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventors: Cris T. Paltenghe, Alnoor B. Mamdani, Lisa Ezrol, Charles Golvin, Henry Lichstein, Melvin Michio Takata
  • Patent number: 6968321
    Abstract: A method and system for remote operator interface with a self-service transaction terminal, such as an ATM makes use of a set of web based applications for operator functions to enable the remote operator to access the operator functions over a standard browser from a remote operator interface client PC. Each ATM with which the remote operator interface is used has a set of web based applications that supports the operator functions. The operator accesses the ATM from the client PC by bringing up the browser and entering a URL to point to a specific ATM. The remote operator interface supports a plurality of supervisory type functions and enables the user to administer a plurality of ATMs for which it is configured to allow the particular functions to be performed. Communication via the remote operator interface is secure over a private network or virtual private network (VPN) over the Internet. The remote operator must be authenticated to gain access, and the operator's entitlements may limit access.
    Type: Grant
    Filed: October 31, 2000
    Date of Patent: November 22, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventor: Chris S. Yu
  • Patent number: 6947908
    Abstract: The present invention comprises a system and method for a customer and merchant to perform an on-line, and in some cases, real-time financial transaction from a personal computer or similar processing terminal over a public access communications network utilizing a universally acceptable electronic financial transaction instruction that debits a customer's selected account and notifies a merchant that a credit is due or forthcoming and a service provider. The financial transaction instruction is provided in a secured format for transactions sent over the public access communications network, which is external from any other conventional open or closed communication channels used for performing financial transactions.
    Type: Grant
    Filed: August 27, 1999
    Date of Patent: September 20, 2005
    Assignee: Citibank, N.A.
    Inventor: Alan Slater
  • Patent number: 6944318
    Abstract: Systems and methods for personal identification, preferably based on iris identification, include a camera for acquiring a presented image of a presented individual and a computer device for converting the presented image into a presented image metric. The computer device also compares the presented image metric to a predetermined arrangement of a plurality of reference image metrics of known individuals to identify the presented individual as one of the known individuals. The presented image metric and the plurality of reference metrics are both formatted to represent detailed physical characteristics of the individuals, including iris characteristics and other physical characteristics. Further, the plurality of reference image metrics may also be formatted to represent user-defined characteristics, which include non-image-related characteristics. The predetermined arrangement of the plurality of reference image metrics are ordered to provide a fast match with the presented image metric.
    Type: Grant
    Filed: January 14, 2000
    Date of Patent: September 13, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventors: Melvin M. Takata, Mohammed A. Khan, Michael Merman
  • Patent number: 6938033
    Abstract: The present invention allows an e-mail server to process requests for Web pages and forward copies of the requested Web pages as attachments to e-mail messages. In addition to providing copies of a first set of Web pages themselves, the present invention also copies additional Web pages referenced by the links contained in the first set of Web pages into the e-mail messages so that the user may read the copies of the additional Web pages using the features and capabilities of a Web browser. The requests are generated by using a search engine or by requesting a specific Web page from a previously copied and linked Web page. The user may thus request Web pages and then go off-line and wait for the results to be returned to him/her as attachment(s) to e-mail message(s).
    Type: Grant
    Filed: October 1, 1999
    Date of Patent: August 30, 2005
    Assignee: Citibank, N.A.
    Inventor: Daniel Schutzer
  • Patent number: 6913193
    Abstract: A method and system for tracking and providing an audit trail for off-line smart card transactions includes storing information representing a monetary transaction in a permanent memo on an smart card microprocessor and holding the transaction amount in escrow until the stored information is transmitted from the smart card, for example, at an on-line terminal, to a host on-line system for logging to a tracking system. The monetary transaction includes a transaction with an off-line device, such as another smart card. The escrowed transaction amount represents, for example, a load transaction to one of the smart cards and an unload transaction to other smart card. Once the memo is deleted from the respective smart cards, the load values of the respective smart cards are incremented or decremented by the transaction amount. Alternatively, the smart cards may be provided with a card-to-card key, in which case, a permanent memo is stored only on the receiving smart card.
    Type: Grant
    Filed: January 28, 1999
    Date of Patent: July 5, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventor: Joseph C. Kawan
  • Patent number: 6895386
    Abstract: A method and system for purchasing assets on behalf of customers who use financial transaction media such as credit cards, ATM/CAT cards, and electronic commerce managed by a financial institution. As the customer uses his financial transaction medium to purchase goods and services, he generates a sum of purchases. This sum is converted into incentive points that are added to incentive points previously earned. When the customer has enough incentive points, the method or system purchases an asset, such as a stock, on the customer's behalf, using the incentive points. The utilization of this method or system may be over a short-time promotional period, or it may commemorate a special occasion, or it may be used as part of a compensation package for an employee of a corporation.
    Type: Grant
    Filed: October 14, 1998
    Date of Patent: May 17, 2005
    Assignee: Citibank, N.A.
    Inventors: Richard Bachman, Patrice Pilkonis
  • Patent number: 6889198
    Abstract: A method and system for tracking and redeeming smart card loyalty points includes storing loyalty program information related to transactions with at least one merchant in a loyalty register residing on a smart card microcomputer for the customer. Transaction information about transactions with the merchant is stored in a purchase log likewise residing on the smart card microcomputer for the customer. The stored transaction information is compared with the stored loyalty program information, and transaction information about one or more transactions with the merchant which is stored in the purchase log, but which is omitted from the loyalty register, is automatically identified. The stored loyalty program information is then automatically updated with the omitted transaction information.
    Type: Grant
    Filed: January 21, 1999
    Date of Patent: May 3, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventor: Joseph C. Kawan
  • Patent number: 6873974
    Abstract: Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet of a web merchant. In one such system, an internet consumer registers with a web merchant's exclusive or preferred electronic wallet (“merchant wallet”) and provides consumer information (e.g., credit card number, mailing address, and other information) to the merchant wallet, which is stored by the merchant wallet in a database on the merchant server. Such information may be automatically populated by the consumer's personal electronic wallet. The consumer maintains current consumer information in a consumer electronic wallet on the consumer's personal computer. When the consumer visits the merchant site again, and orders goods or services, the merchant's preferred wallet can be automatically updated by the consumer's electronic wallet if any of the data in the merchant's wallet has changed.
    Type: Grant
    Filed: August 16, 2000
    Date of Patent: March 29, 2005
    Assignee: Citibank, N.A.
    Inventor: Daniel Schutzer
  • Patent number: 6868408
    Abstract: An electronic-monetary system having (1) banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits and electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices in off-line transactions; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a clearing bank for balancing the electronic money accounts of the different issuing banks; (6) a data communications network for provi
    Type: Grant
    Filed: May 9, 2000
    Date of Patent: March 15, 2005
    Assignee: Citibank, N.A.
    Inventor: Sholom S. Rosen
  • Patent number: 6850991
    Abstract: The present invention allows a customer to use any of a number of a plurality of devices to access data and make transactions using an institution's computers and databases from many different locations throughout the world. As an example, a banking customer may use either a telephone, a palm computer or a television to determine his checking account balance while vacationing in a foreign country. The present invention operates by connecting the customer to the desired computer and database using universal protocol so that location becomes irrelevant. Another feature of the present invention is the efficient use of different networks with varying transmission speeds.
    Type: Grant
    Filed: December 22, 1999
    Date of Patent: February 1, 2005
    Assignees: Citibank, N.A., Citicorp Development Center, Inc.
    Inventors: Alan Young, Peter Tompkins, Michael Grandcolas
  • Patent number: 6848050
    Abstract: A system and method for verifying the identification of a user and securely establishing an encryption key for a communication between the user and a verifying entity, such as a bank, which makes use of the numeric value of the user's personal identification number (PIN) known only to the user and the bank and resolves the man-in-the-middle problem. The system and method replaces a public parameter with the customer's PIN to provide an encryption mechanism that is less complex than existing protocols. Use of the protocol enables new products and improvement of existing products using a service access device and service access device interface, including, for example, self-service terminals.
    Type: Grant
    Filed: April 15, 1999
    Date of Patent: January 25, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventors: Michael Merman, Yosif Smushkovich
  • Patent number: 6840446
    Abstract: A method, system, and apparatus for reading from and writing to a multi-memory card, such as a bankcard, credit card, or smart card. The apparatus of the system includes reading devices, writing devices, and controllers for reading from and writing to the magnetic, optical, and electronic memory portions of a multi-memory card. The method of the present invention includes a method for controlling the reading from and writing to such cards via software applications that integrate control of a magnetic read/write component, an optical read/write component, an electronic read/write component and their respective transport mechanisms. The software applications integrate the multiple read/write components to allow such functions as for example bank and medical transactions to be performed utilizing a single multi-memory card.
    Type: Grant
    Filed: March 17, 1999
    Date of Patent: January 11, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventor: Joseph C. Kawan
  • Patent number: 6812938
    Abstract: A method and system for providing status indication to a control panel displayed on a user's computer screen at all times which allows the user to sign on and off independently of any specific secure function, and utilizes both graphics and text to clearly indicate the current status of a secure connection. Additionally, entitlements or privileges associated with the secure connection and a count down of the remaining period of time during which the status of the secure connection will be in effect, are also displayed. A user may extend the effective time of the secure connection, or cancel the secure session and unequivocally sign off from all related services with a single click of the button.
    Type: Grant
    Filed: March 22, 2001
    Date of Patent: November 2, 2004
    Assignee: Citicorp Development Center, Inc.
    Inventor: Nigel Pinnell
  • Patent number: 6785661
    Abstract: A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving a request for goods or services from a buyer and making a real-time determination of a risk classification of the buyer utilizing an on-line repository of credit information. The financial clearinghouse determines a risk-based discount fee as a function of the buyer's risk classification in order to establish a payment amount to the seller from the clearinghouse. If the transaction is authorized by the financial clearinghouse, the financial clearinghouse transmits the payment amount to the seller and transmits an invoice to the buyer for the purchase price of the transaction. The system can also include a broker coupled to the financial clearinghouse for providing an on-line order acceptance and processing capability between the buyers and sellers.
    Type: Grant
    Filed: March 17, 1998
    Date of Patent: August 31, 2004
    Assignee: Citibank, N.A.
    Inventors: Maria M. Mandler, Ann P. McLaughlin, Robert R. Battenfelder, James E. Rouen, Levi Y. Orbach, Carol Benson, Marjorie Engber, James E. Nevens, William Joseph Krajewski, Carol A. Baldwin Moody, John P. Figliozzi, Keith W. Luke, Cornelia Blemings, Kathleen M. Dixon
  • Patent number: 6757826
    Abstract: The present invention relates to a digital graphic signature system and methods for use in electronic commerce. The system comprises a document portion, including information relating to the document being executed, and a signature portion. The document portion and the signature portion may be encrypted and merged into a single object readily identifiable to an individual. The terminology “digital graphic signature” or “digigraphic signature” is utilized herein to describe the merged object. The digital graphic signature system of the present invention may be advantageously utilized in electronic transactions, including transactions over the internet and network systems. The digital graphic signature system of the present invention may also be advantageously utilized in conjunction with information banking and virtual wallets. Also disclosed is a digital graphic signet for transmitting a private communication.
    Type: Grant
    Filed: April 13, 1999
    Date of Patent: June 29, 2004
    Assignee: Citicorp Development Center, Inc.
    Inventor: Cris T. Paltenghe
  • Patent number: 6745247
    Abstract: The present invention permits ISO-7816 smart cards and their non-smart card supporting devices to be connected and to interact over networks, such as networks based on Internet Protocol (IP), broadband, and wide area networks (WAN) using the T=1 protocol, similarly to if these devices were connected locally. Broadly, the invention takes a node address in a small T=1 embedded terminal and maps each address into a network address or a Universal Resource Locator (URL), such that different components of the terminal that are T=1 addressable are able to exist throughout for example, an IP network. The advantages offered by the invention include security and speed, resulting in increased ease of use and application development and increased autonomy for the smart card itself.
    Type: Grant
    Filed: March 17, 2000
    Date of Patent: June 1, 2004
    Assignee: Citicorp Development Center, Inc.
    Inventors: Joseph C. Kawan, Harold Taylor
  • Patent number: 6697960
    Abstract: A system and method to allow mirroring of data into a recovery site in real time so that as data is written to disk in a primary data center location, it is concurrently copied to disk at a recovery site, thereby eliminating the use of separate magnetic media for that purpose. Real-time mirroring of data is provided to a separate facility which is connected to a first mainframe data center through appropriate communications circuits. The secondary data center operations are kept current with the primary data center's operations so that in the event of a system failure, operations of the data center can be recovered in an expedited manner.
    Type: Grant
    Filed: April 27, 2000
    Date of Patent: February 24, 2004
    Assignee: Citibank, N.A.
    Inventors: Barry A. Clark, Charlie Durant, David Francis, John Lampinen, Dennis Malarkey, Frank Zemanik
  • Patent number: 6687714
    Abstract: A method and system for managing transaction card data provides distributed services for use of a transaction card, such as a smart card, on board a ship when shipboard communication with a centralized host system is unavailable. Aspects of the centralized land-based system, such as card issuance, card management, and issuer host authentication are migrated to the shipboard environment, and an on board issuance system, a distributed card management system, and a local monitoring and administration system are introduced to the shipboard environment. When the ship leaves port, an instance of the central system database data for the on board ship personnel is hosted on board the ship and stored in the distributed card management system database.
    Type: Grant
    Filed: February 29, 2000
    Date of Patent: February 3, 2004
    Assignee: Citicorp Development Center, Inc.
    Inventors: Mark Kogen, Warren Tan
  • Patent number: 6681988
    Abstract: A method and system for managing a transaction card account includes a dual function transaction card with primary and secondary transaction card functions that is issued to a cardmember in connection with the account. The cardmember is allowed to incur charges on the account with the dual function transaction card, and statements are periodically issued to the cardmember on the account for a balance payable that is based on the primary function of the transaction card. The cardmember is allowed to elect the secondary function of the dual function transaction card, and such an election is made, a new balance is computed on the account in response to the election and the cardmember is notified of the new balance and a new minimum due for the account.
    Type: Grant
    Filed: November 28, 2001
    Date of Patent: January 27, 2004
    Assignee: Citibank, N.A.
    Inventors: James Russell Stack, William A. Borden
  • Patent number: 6665405
    Abstract: Cyclotomic polynomials are used to construct subgroups of multiplicative groups of finite fields that allow very efficient implementation of discrete logarithm based public key cryptosystems, including public key encryption schemes and digital signature schemes. A field is represented with an optimal normal basis, and a generator of a subgroup of the multiplicative group of the field is used to form a public key.
    Type: Grant
    Filed: October 19, 2000
    Date of Patent: December 16, 2003
    Assignee: Citibank, N.A.
    Inventor: Arjen K. Lenstra
  • Patent number: 6661882
    Abstract: The present invention provides a system and method of transferring a call signal including call-related data received from a communications system between a host and at least one remote agent terminal connected through a network, where the host can access at least one application database for storing and retrieving information associated with each service that each agent terminal is to handle, and each agent terminal can access the at least one application database computer system for storing and retrieving information associated with each service that each agent terminal is to handle, the method comprising the steps of: (a) at the host (i) transferring initial information contained in an ANI field associated with the call signal into the at least one application database, (ii) associating that initial information contained in the ANI field with other information regarding the source of the call signal, and (iii) replacing the initial information contained in the ANI field associated with the call signal with
    Type: Grant
    Filed: April 26, 2000
    Date of Patent: December 9, 2003
    Assignee: Citibank, N.A.
    Inventors: Jimmie L. Muir, John Wood, Curtis A. Van Oort, David L. Wooters, Mark P. Ambrose, Craig Heier
  • Patent number: 6655585
    Abstract: A system and method for authenticating a smart card user at a reader device makes use of an application on a smart card microprocessor on which information fields relating to biometric information for the user and a table of pre-defined probability of occurrence values for user authentication is stored. The smart card and a biometric sample for the user is presented to the reader device, and an application associated with the reader device automatically authenticates the user based on a match level between the stored biometric information and the presented biometric sample according to a desired probability of occurrence value from the stored table. Alternatively, the user is automatically authenticated by an application on the smart card microprocessor.
    Type: Grant
    Filed: May 10, 1999
    Date of Patent: December 2, 2003
    Assignee: Citicorp Development Center, Inc.
    Inventor: Philip C. Shinn
  • Patent number: 6609110
    Abstract: This invention describes a method and system for automated assistance with investment decisionmaking. In particular, the invention relates to assisting retail customers with setting investment objectives, modifying those objectives, and making investments, based on the customer's profile, portfolio, and investment preferences. The invention also comprises a system and method for providing a tutorial aspect intended to assist an account representative, through interactive visual aids, with explaining or questions by a user using the investment decisionmaking method and system. The invention also comprises a method and system for system administration of the investment decisionmaking system.
    Type: Grant
    Filed: February 3, 2000
    Date of Patent: August 19, 2003
    Assignee: Citibank, N.A.
    Inventors: Marylou Dowd, Michael F. Green, Lawrence D. Weiss
  • Patent number: 6601761
    Abstract: A method and system of co-branding an electronic payment platform, such as an electronic wallet, makes use of computer hardware and software including, for example, one or more electronic wallet related servers controlled by a financial institution, which can be coupled over the Internet to a user's personal computer and merchant's website server. The electronic wallet is co-branded, for example, with the brand of the financial institution and the brand or brands of one or more cooperating merchants. The co-branded electronic payment platform makes use of a payment mechanism related, for example, to a credit card account of the user or digital payment tokens pre-allocated for the user. The user is given an incentive award for use of the co-branded electronic payment platform which is stored for the user and redeemable on one or more of the cooperating merchants.
    Type: Grant
    Filed: September 15, 1999
    Date of Patent: August 5, 2003
    Assignee: Citibank, N.A.
    Inventor: Thomas Katis
  • Patent number: 6587857
    Abstract: A system and method for preparing and integrating operational data received from nodes on a network prior to loading the data onto a data warehouse. Operational data received from nodes on a network is transformed to produce an output file of integrated data records which are audited to ensure data contained in the records has not already been loaded to the data warehouse in a previous operation. Data previously loaded onto the data warehouse is compared with current operational data to be loaded to determine whether the status of any nodes in the network has changed. The audited integrated operational data and data indicating which nodes, if any, have changed status since the previous upload of data are provided with unique identification numbers and uploaded to the data warehouse. In a preferred embodiment, the data concerns transactions occurring on, and the status of, components in customer activated terminals or transactions occurring on home banking servers.
    Type: Grant
    Filed: June 30, 1999
    Date of Patent: July 1, 2003
    Assignee: Citicorp Development Center, Inc.
    Inventors: Kevin Carothers, Lin-Chen Shih, Simon Khilkevich
  • Patent number: 6574605
    Abstract: The invention provides a system and method for strategic services enterprise workload management and more particularly to an automated method and system for enterprise workload management that enables an organization such as a financial institution to route any channel service to customer service representatives at any capable service site. Thus, the invention enables an organization to provide service to its customers at any time and by any communications or service channel a customer, chooses, wherein the enterprise workload management knows all work in process for a customer so that when a customer is identified, that customer will be routed to the first available agent that can best satisfy both the customer's intent and the organization's intent.
    Type: Grant
    Filed: November 17, 1999
    Date of Patent: June 3, 2003
    Assignee: Citibank, N.A.
    Inventors: Barbara Sanders, Curtis Robb, Jet Gau
  • Patent number: 6552850
    Abstract: The present invention provides a device, method, and system for secure viewing and use of banking and other electronic access devices. The present invention comprises a computer/video display system that includes a computer with a conventional screen that displays a polarized screen image and a polarized partition that allows viewing of the screen by the user positioned in front of the display, while preventing viewing by secondary observers. The present invention operates in conjunction with a standard liquid crystal display (LCD), using the intact polarizer of the LCD. The present invention is intended to be used in conjunction with an automatic teller machine/customer access terminal (ATM/CAT) or personal computer (PC) to allow privacy of information displayed to the ATM/CAT or PC user, without preventing observation of the ATM/CAT or PC user.
    Type: Grant
    Filed: June 30, 1998
    Date of Patent: April 22, 2003
    Assignee: Citicorp Development Center, Inc.
    Inventor: Edward Dudasik
  • Patent number: 6527171
    Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch scre
    Type: Grant
    Filed: September 22, 2000
    Date of Patent: March 4, 2003
    Assignee: Citicorp Development Center Inc.
    Inventors: Robert Brooks, Edward M. R. Dudasik, Stephen M. Gryte, Michael L. Sears
  • Patent number: D471204
    Type: Grant
    Filed: June 22, 2001
    Date of Patent: March 4, 2003
    Assignee: Citicorp Development Center, Inc.
    Inventors: Marylou Dowd, Jennifer Strauss Vos