Patents by Inventor Grigor Markarian
Grigor Markarian has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10636084Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.Type: GrantFiled: October 3, 2005Date of Patent: April 28, 2020Assignee: CITICORP CREDIT SERVICES, INC. (USA)Inventors: Michael Grandcolas, John Riblett, Ted Krawiec, Albert Cohen, Sam Shahdousti, Naresh Vyas, Mike Mast, Simon Khilkevich, Gene Stolarov, Irina Koryakovtseva, Grigor Markarian, Jeremy Dimond, Avinash Kharul, Amit Chitnis, Ravin Vernekar, Dilip Parekh, Mark Bitter, Farah Khalili, Teresa Petach, Chris Kowalski, Rajashree Karwa
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Patent number: 9418381Abstract: A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification (“ID”), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service (“SMS”) messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.Type: GrantFiled: April 12, 2001Date of Patent: August 16, 2016Assignee: Citigroup Credit Services, Inc. (USA)Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Patent number: 9129279Abstract: 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: GrantFiled: September 6, 2013Date of Patent: September 8, 2015Assignee: Citicorp Credit Services, Inc. (USA)Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
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Patent number: 8543982Abstract: 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: GrantFiled: June 22, 2007Date of Patent: September 24, 2013Assignee: Citicorp Development Center, Inc.Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
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Patent number: 8346677Abstract: Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.Type: GrantFiled: December 28, 2001Date of Patent: January 1, 2013Assignee: Citicorp Development Center, Inc.Inventors: Grigor Markarian, Ramadurai Vaidyanathan, Arun Ahuja, Albert Cohen, Anand Tata
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Patent number: 8346678Abstract: Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.Type: GrantFiled: October 28, 2010Date of Patent: January 1, 2013Assignee: Citicorp Development Center, Inc.Inventors: Grigor Markarian, Ramadurai Vaidyanathan, Arun Ahuja, Albert Cohen, Anand Tata
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Patent number: 8145566Abstract: A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.Type: GrantFiled: December 22, 2010Date of Patent: March 27, 2012Assignee: Citicorp Development Center, Inc.Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Publication number: 20110307366Abstract: A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.Type: ApplicationFiled: June 13, 2011Publication date: December 15, 2011Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Patent number: 8032453Abstract: A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.Type: GrantFiled: April 3, 2006Date of Patent: October 4, 2011Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Publication number: 20070250808Abstract: 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: ApplicationFiled: June 22, 2007Publication date: October 25, 2007Inventors: James Zeanah, Charles Abbott, Nik Boyd, Albert Cohen, James Cook, Michael Grandcolas, Sikun Lan, Bonnie Lindsley, Grigor Markarian, Leslie Moss
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Publication number: 20070174448Abstract: A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.Type: ApplicationFiled: April 3, 2006Publication date: July 26, 2007Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Patent number: 7249344Abstract: 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: GrantFiled: June 1, 1999Date of Patent: July 24, 2007Assignee: 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
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Publication number: 20060195816Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.Type: ApplicationFiled: October 3, 2005Publication date: August 31, 2006Inventors: Michael Grandcolas, John Riblett, Ted Krawiec, Albert Cohen, Sam Shahdousti, Naresh Vyas, Mike Mast, Simon Khilkevich, Gene Stolarov, Irina Koryakovtseva, Grigor Markarian, Jeremy Dimond, Avinash Kharul, Amit Chitnis, Ravin Vernekar, Dilip Parekh, Mark Bitter, Farah Khalili, Teresa Petach, Chris Kowalski, Rajashree Karwa
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Publication number: 20020013711Abstract: A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification (“ID”), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service (“SMS”) messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.Type: ApplicationFiled: April 12, 2001Publication date: January 31, 2002Inventors: Arun Ahuja, Ramadurai Vaidyanathan, Anand Tata, Grigor Markarian, Joe Pan, Peter Tompkins
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Publication number: 20010056402Abstract: The present invention relates to a system and method for accessing financial information or conducting financial transactions and, more particularly, to an improved system and method for accessing financial information or conducting financial transactions using wireless communications devices, such as cellular telephones, personal digital assistants, and other web-enabled wireless devices.Type: ApplicationFiled: January 16, 2001Publication date: December 27, 2001Inventors: Arun Ahuja, Peter Tompkins, Alan Young, Grigor Markarian, Ram Vaidyanathan, Anand Tata, Joe Pan
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Patent number: 5933816Abstract: 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 reusable global components which are modular and are organized into services sets.Type: GrantFiled: August 7, 1997Date of Patent: August 3, 1999Assignee: 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