Citigroup Patents

Citigroup Inc. provides financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management, to consumers, corporations, governments and institutions.

Citigroup Patents by Type

  • 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
  • Patent number: 7606770
    Abstract: A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.
    Type: Grant
    Filed: May 27, 2008
    Date of Patent: October 20, 2009
    Assignee: Citicorp Development Center, Inc.
    Inventor: Nigel Pinnell
  • Patent number: 7599872
    Abstract: A method and system of matching an investor's objectives for portfolio investment return and risk with an assessment of a range of expected returns and risks that are likely to be generated by investment portfolios consisting at least in part of alternative asset classes that involves, for example, selecting available historical data for a plurality of alternative asset classes, unsmoothing the historical data based at least in part on historical data for traditional asset classes related to the respective alternative asset classes, and correcting the historical data for the alternative asset classes for an impact of survivorship and selection biases.
    Type: Grant
    Filed: September 13, 2004
    Date of Patent: October 6, 2009
    Assignee: Citibank, N.A.
    Inventors: Doug R. Dundas, Rui Defigueiredo, Paul Goldwhite
  • Patent number: 7599877
    Abstract: The present invention provides secure, high-volume, processing methods and systems for multiple financial instruments that combine collateral matching to identify matched and unmatched financial transactions and consolidated mark to market valuations for all parties to a matched financial transaction.
    Type: Grant
    Filed: July 28, 2000
    Date of Patent: October 6, 2009
    Assignee: Citibank, N.A.
    Inventors: Alan Cole, Jon Cassell
  • Patent number: 7573998
    Abstract: Computer-implemented methods and systems for management of real-time and historical data for multiple call centers in which real-time and historical data are received electronically from a plurality of call center sites and displayed simultaneously for each of the plurality of call center sites on a single display screen in a separate call center site column for each call center and integrated and displayed for all of the plurality of call center sites in a separate division column on the single display screen.
    Type: Grant
    Filed: June 15, 2005
    Date of Patent: August 11, 2009
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Kevin Kessinger, Richard Garside, Louis Savoldy, Mahendra Govada, Joe Begley, Ryan Kaminski
  • 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
  • Patent number: 7562348
    Abstract: A method and system for obtaining ATM device services utilizes a service provider framework in which data is received by an ATM application that indicates there is a need for the performance of an ATM device function. The ATM application issues a request to an XFS manager to get the ATM device service by making a sub-routine call to the XFS manager to get the ATM device service from a service provider. The XFS manager translates the sub-routine call as an entry point into the service provider for processing by the service provider, and a request object associated with the request is instantiated. The service provider is implemented by instantiating an instance of the service provider framework XFS service provider base class and one or more instances of the service provider framework request objects required to process the request. After processing the request, the service provider returns a result to the ATM application.
    Type: Grant
    Filed: October 31, 2000
    Date of Patent: July 14, 2009
    Assignee: Citicorp Development Center, Inc.
    Inventor: Michael Jay King
  • Patent number: 7552480
    Abstract: A quantitative model combines a one-dimensional risk-assessment approach with expert knowledge to enable calculation of a probability or likelihood of exploitation of a threat to an information system asset without referring to actuarial information. A numerical value is established for one or more threats of attack on the information system asset based on expert knowledge without reference to actuarial data, and likewise, based on expert knowledge without reference to actuarial data, a numerical value is established for each of one or more access and privilege components of one or more vulnerabilities to attack on the information system asset. A security risk level for the information system asset is computed based upon the numerical values for threat and the access and privilege components for vulnerability so established.
    Type: Grant
    Filed: April 23, 2003
    Date of Patent: June 23, 2009
    Assignee: Citibank, N.A.
    Inventor: Timothy Voss
  • 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
  • Patent number: 7529703
    Abstract: The present invention relates to methods and systems for devising and implementing automated artificial neural networks to predict market performance and direction movements of the U.S. Treasury market, mortgage option-adjusted spreads (OAS), interest rate swap spreads, and U.S. Dollar/Mexican Peso exchange rate. The methods and systems of the present invention employ techniques used in actual neural networks naturally occurring in biological organisms to develop artificial neural network models for predicting movements in the financial market that are capable of extracting in a very consistent fashion non-linear relationships among input variables of the models that are readily apparent to the human traders.
    Type: Grant
    Filed: November 18, 2004
    Date of Patent: May 5, 2009
    Assignee: Citigroup Global Markets, Inc.
    Inventors: Terry L. Benzschawel, Chi Dzeng, Gregory A. Berman
  • 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
  • Patent number: 7502752
    Abstract: A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of re-usable global components which are modular and are organized into services sets.
    Type: Grant
    Filed: September 27, 2000
    Date of Patent: March 10, 2009
    Assignee: Citicorp Development Center, Inc.
    Inventors: Kyle Lemons, Boris Komarov, Nik Boyd
  • Patent number: 7484089
    Abstract: A method and system for combining multiple access points and utilizing certificates as an access method to a system from multiple access points enables use of a certificate that is stored within a smart card to access a host system through a browser, such that when the user accesses the application on the server, the application requires that the card and certificate be present for authentication of the individual user, and concurrently allows an external system to access applications on a host server using a certificate stored on the external system for authenticating itself to the host server. A certificate for certificate-based authentication is created and distributed to a choice of storage methods, such as a microcomputer of an integrated chip card, a computer disk of a computing device disposed in a secure environment, or a Hardware Security Module (HSM) associated with the computing device.
    Type: Grant
    Filed: November 10, 2004
    Date of Patent: January 27, 2009
    Assignee: Citicorp Developmemt Center, Inc.
    Inventors: Mark Kogen, Herve Garcia, Fred Pinn, Elton Lin, Warren Tan
  • Patent number: 7478239
    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: May 19, 1999
    Date of Patent: January 13, 2009
    Assignee: Citibank, N.A.
    Inventor: Sholom S. Rosen
  • Patent number: 7464057
    Abstract: A method and system for escrow service for web-based transactions is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions is allowed to entitled users who access the system via the web. The system maintains an internal banking engine to act as a deal manager, messaging service and accounts sub-ledger and escrows funds entrusted to it. The transaction process is composed of a number of transaction statuses, and reporting of those statuses to users is accomplished online and via web query. The system supports several methods of payment, such as credit cards, authorized Automated Clearing House (ACH) or equivalent direct debit/credit and wire transfer payments, and all funds movements are electronic. The system supports transaction level detail through its banking engine accounts; funds movements from its currency accounts, and escrows funds to currency based escrow accounts.
    Type: Grant
    Filed: March 29, 2002
    Date of Patent: December 9, 2008
    Assignee: Citibank, N.A.
    Inventors: Alan Cole, Deborah Bennett, Hachadur Hashasian
  • Patent number: 7451103
    Abstract: A method and system for centralized automated reconciliation of investment manager and related custody accounts makes use of computer hardware and software in a service bureau environment to receive information and records electronically from fund managers and custodian banks in different formats, to reformat the files for inputting to the system, and to perform the reconciliation process in a uniform manner. The system also allows one or both of fund managers and custodians to establish matching rules, to view the results of the matching process, to track the investigation process for unmatched records, and to manually match unmatched records.
    Type: Grant
    Filed: March 28, 2000
    Date of Patent: November 11, 2008
    Assignee: Citibank, N.A.
    Inventors: Terence Boyle, Alan Schneider, Nolan Gesher, Jon Cassell
  • Patent number: 7441263
    Abstract: A system, method and computer program product for providing unified authentication services in an Application Service Provider (ASP) setting to a registered end-user of one or more online (or web) applications. The system includes client side components, a user management component coupled to the client side components and server side components coupled to the user management component. The client side components include an authentication control component that manages the process of capturing a user-determined policy for a first account and user credentials. This allows the user to define the level of protection to access the first account. This includes, but is not limited to, accounts/applications that have been configured specifically for used with the system and particular user credentials and accounts that have been subsequently set up but configured to use the same user credentials.
    Type: Grant
    Filed: March 23, 2001
    Date of Patent: October 21, 2008
    Assignee: Citibank, N.A.
    Inventors: Bikram S Bakshi, David W Helms, Anthony C Rochon, Trevor J Walker
  • Patent number: 7437736
    Abstract: A method for managing workflow for an application, including obtaining an application adapter associated with the application, wherein the application adapter specifies a sub-task, monitoring the application to obtain a state, and performing an action associated with the sub-task, if the state is associated with the sub-task.
    Type: Grant
    Filed: March 10, 2004
    Date of Patent: October 14, 2008
    Assignee: Citibank, N.A.
    Inventors: Surajit Chatterjee, Brian Keith Mizelle, Ravi Puduchery Raghavasimhan, Michael Fishman
  • Patent number: 7421410
    Abstract: The present invention provides methods and systems for promoting banking services to non-customers at an automated teller machine (ATM) through an incentive system. Non-customers who enroll in the incentive system are awarded points based on ATM use, viewing of advertisements at an ATM, and other factors. When a pre-determined number of points is accumulated by the non-customer, the non-customer is provided with an award (e.g., a convenience fee for use of the ATM is forgiven). In addition, use of networked ATMs by the non-customer is tracked in order to provide tailored awards and advertisements.
    Type: Grant
    Filed: October 6, 2000
    Date of Patent: September 2, 2008
    Assignee: Citicorp Development Center, Inc.
    Inventors: Howard A. Schechtman, Peter Paradiso
  • Patent number: 7398253
    Abstract: A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.
    Type: Grant
    Filed: August 18, 2000
    Date of Patent: July 8, 2008
    Assignee: Citicorp Development Center, Inc.
    Inventor: Nigel Pinnell
  • Patent number: 7398246
    Abstract: A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for application of the mortgage rebate amount against a mortgage loan balance for the cardholder. The account is provided by the transaction card provider in connection with either a pre-existing mortgage loan of the cardholder or a prospective mortgage loan of the cardholder. Further, the account can be provided in connection with a mortgage loan from any mortgage lender regardless of the existence or non-existence of an affiliation or association between the transaction card provider and the mortgage lender.
    Type: Grant
    Filed: November 15, 2004
    Date of Patent: July 8, 2008
    Assignee: Citicorp Credit Services, Inc.
    Inventor: Gina Doynow
  • Patent number: 7389355
    Abstract: The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. The solution to this problem set forth in this invention is the creation of a common electronic delivery infrastructure and application deployment environment, exposing an institution's entire portfolio of corporate banking services to its clients at a number of different locations at any time.
    Type: Grant
    Filed: April 10, 2002
    Date of Patent: June 17, 2008
    Assignee: Citibank, N.A.
    Inventors: Kenneth R. Brown, John D'Onofrio, James Ellerbee, Jay Gould, Jennifer Holme, Peter J. Lupario, Umesh Marthi
  • Patent number: 7376622
    Abstract: A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
    Type: Grant
    Filed: September 2, 1999
    Date of Patent: May 20, 2008
    Assignee: Citicorp Development Center, Inc.
    Inventors: Ronald Padalino, Nigel Pinnell, Philip C. Shinn, Wigberto Yu
  • 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
  • Patent number: 7328169
    Abstract: A method and system for purchased-based segmentation of potential customers employs the use of actual, observed purchases instead of presumptions and correlations to improve the accuracy of segmentation and involves collecting empirical data for a client on actual purchasing behavior of a group of customers and applying statistical modeling techniques to the empirical purchasing behavior data to identify segments or clusters of the customers that exhibit similar purchasing propensity characteristics. Thereafter, the segments or clusters are further differentiated from one another according to other factors having a tendency to directly affect actual purchasing behavior of the customers within the segments or clusters, and potential customers are then identified according to a correlation with the segments or clusters for customized marketing.
    Type: Grant
    Filed: September 22, 2004
    Date of Patent: February 5, 2008
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Mark E. Temares, Alan B. Newman, Noor A. Menai
  • 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
  • Patent number: 7305562
    Abstract: A system, method and computer program product that utilizes measurements for the authentication of users to enterprise resources. The system includes an authentication server that stores the engine and collections of data required by the system to authenticate users. The collections of data include templates, policies, groups, device IDs, user IDs, computer IDs and application IDs. In the present invention, it is the policies that determine the way or method in which a user is to be authenticated by the system. The pre-defined polices include an OR policy, an AND policy, a CONTINGENT policy, a RANDOM policy and a THRESHOLD policy, a multi-user policy, a multi-location policy, a multi-template policy, a user dependent policy, a location restriction policy, and a computer/device specific policy.
    Type: Grant
    Filed: March 1, 2000
    Date of Patent: December 4, 2007
    Assignee: Citibank, N.A.
    Inventors: Peter Garrett Bianco, William Taylor Boon, Anthony C. Rochon, Marc A. Sherman, Robert Brewster Sterling, Karl Roger Ware
  • 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
  • Patent number: 7269256
    Abstract: An improved monetary system using electronic media to exchange economic value securely and reliably is disclosed. The system provides a complete monetary system having electronic money that is interchangeable with conventional paper money. Also disclosed is 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: May 13, 2002
    Date of Patent: September 11, 2007
    Assignee: Citibank, N.A.
    Inventor: Sholom S. Rosen
  • Patent number: 7257555
    Abstract: The present invention relates to a method and system for providing and/or offering mandatory convertible securities, such as dividend enhanced common/convertible stocks (DECS), with acceleration triggers for securities conversion. The acceleration triggers are attractive to investors of such mandatory convertible securities because they can provide investors with timely returns and/or equities in the issuer should events not favorable to the investors happen prior to a preset securities conversion date.
    Type: Grant
    Filed: March 31, 2004
    Date of Patent: August 14, 2007
    Assignee: Citigroup Global Markets, Inc.
    Inventor: Craig Farr
  • Patent number: 7257556
    Abstract: The present invention relates to a method and system for providing and/or offering mandatorily convertible securities with associated senior debt instruments. The mandatorily convertible securities can be preferred stock or a purchase contract with the mandatorily convertible securities converting into a predetermined number of units of an underlying security on a mandatory conversion date. The predetermined number of units of an underlying security is based on a market value of the underlying security on the conversion date.
    Type: Grant
    Filed: April 23, 2004
    Date of Patent: August 14, 2007
    Assignee: Citigroup Global Markets, Inc.
    Inventor: Alan Rifkin
  • Patent number: 7248687
    Abstract: A method and system for outbound dialing of contacts and collecting call information in which one or more customers are allowed to submit records from the customers' mainframes for a plurality of contacts to be called for the customers via a dialing mode of a hosted software system for sending event-driven alert messages. Based on the records submitted by the customers, the dialing mode of the hosted software system initiates calls to the contacts, and when and if a right-party contact is reached for a particular customer, the call is delivered from the dialing mode to an agent at one of a plurality of call centers of the particular customer according to predefined agent selection rules for outbound call routing. In addition, data regarding the call to the contact is collected.
    Type: Grant
    Filed: December 6, 2004
    Date of Patent: July 24, 2007
    Assignee: Citicorp Credit Services, Inc.
    Inventors: Mark Ambrose, Rich Clow, Rich Feight, Jim L. Muir
  • Patent number: 7249344
    Abstract: A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can 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.
    Type: Grant
    Filed: June 1, 1999
    Date of Patent: July 24, 2007
    Assignee: Citicorp Development Center, Inc.
    Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikhun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
  • Patent number: 7249055
    Abstract: There is described a method and system for managing Internet auction transactions by creating an auction website by, for example, a financial institution. The auction website is accessible by the financial institution's account holders (e.g., holders of checking, savings, credit card, and investment accounts). Thus, all buyers and sellers in auction transactions on the auction site, for example, have accounts with the financial institution, with settlements occurring between the accounts of the users at the financial institution. Payments are debited from the buyer's account(s) with a credit going to the account of the seller, less any fees. All charges occur internally, so no interchange is owed, for example, to a card association in connection with a transaction. Financial institution customers benefit from the system in that buyers and sellers are authenticated and settlement occurs almost instantaneously.
    Type: Grant
    Filed: July 7, 2000
    Date of Patent: July 24, 2007
    Assignee: Citicorp Credit Services, Inc.
    Inventor: Richard Elder
  • Patent number: 7233925
    Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems.
    Type: Grant
    Filed: February 1, 1999
    Date of Patent: June 19, 2007
    Assignee: Citicorp Development Center, Inc.
    Inventors: Michael L. Grandcolas, Wendell W. Anthony, Patrick Law, Leslie Moss, Teresa A. Petach, Peter Tompkins
  • Patent number: 7200578
    Abstract: A system, in which information is the primary asset and in which investments may be made in information, includes multiple data stores for storing different types of a user's information. The safe, secure and properly authorized transfer of information while preserving individual privacy is provided. The system also provides for secure backup and storage, as well as for ubiquitous and nomadic access to information while maintaining the privacy of such information. A first data store includes static identification data about a user. A second data store includes moderately dynamic personal data about the user. A third data store includes dynamic demographic information data about the user. An electronic wallet can be used with the system to download selected portions of the data for use by the user. A method of use of the data includes using the data for billing out forms, providing services to the user and allowing merchants to selectively target users for sales while maintaining user anonymity.
    Type: Grant
    Filed: November 12, 1998
    Date of Patent: April 3, 2007
    Assignee: Citicorp Development Center, Inc.
    Inventors: Cris T. Paltenghe, Alnoor B. Mamdani, Melvin M. Takata, Gregory Lee Huddleston
  • Patent number: 7168091
    Abstract: A method and system for secure authentication of a user in a session conducted over an interactive communication channel, such as a two-way telephony communication channel, with an authenticating entity, such as a financial institution, utilizes a session identifier, such as pseudorandom noise to detect and identify attempts to play back authentication information, such as user-spoken phrases, intercepted and recorded by an unauthorized party during a previous session between the user and the authenticating party.
    Type: Grant
    Filed: March 15, 2004
    Date of Patent: January 23, 2007
    Assignee: Citibank, N.A.
    Inventor: Daniel Schutzer
  • 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: D559903
    Type: Grant
    Filed: February 2, 2007
    Date of Patent: January 15, 2008
    Assignee: Citicorp Credit Services, Inc.
    Inventor: Miriam Schwab
  • Patent number: D559904
    Type: Grant
    Filed: February 2, 2007
    Date of Patent: January 15, 2008
    Assignee: Citicorp Credit Services, Inc.
    Inventor: Miriam Schwab