公开(公告)号：EP1821250A1

公开(公告)日：2007-08-22

申请号：EP07102115.8

申请日：2007-02-12

申请人： CITIBANK, N.A.

发明人： Russell, Thomas A. ,  Ludlam, Albert S. ,  Andrews, Gay ,  Huang, Albert

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/40 ,  G06Q40/025

摘要： A fraud early warning system and method for monitoring transactional behavior of an account holder and evaluating that behavior by comparing it to biographical data and/or the past behavior of the account holder. The system and method is applicable to real-time wire transfers, online transactions, automated teller machine transactions, point-of-sale transactions, etc.

摘要翻译： 用于监控账户持有人的交易行为的欺诈预警系统和方法，并通过将其与传记数据和/或帐户持有者的过去行为进行比较来评估该行为。 该系统和方法适用于实时电汇，在线交易，自动柜员机交易，销售点交易等。

公开(公告)号：EP1049057A3

公开(公告)日：2004-05-06

申请号：EP00108096.9

申请日：2000-04-26

申请人： Citishare Corporation ,  CITIBANK, N.A.

发明人： Zahorik, Gordon W. ,  Downing, John

IPC分类号： G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10

摘要： Methods and systems for communicating in a financial network are provided that employ a private data field (44) in a financial transaction message (40). Such messages are transmitted through a routing system of a financial institution, such as a routing and settlement system (6) of a financial institution and electronic funds transfer (EFT) infrastructure. One such method provides a customer (2) of a home bank with a home bank terminal interface experience at a remote transaction terminal (4). Interface data associated with a home bank terminal (10) is communicated to the remote transaction terminal (4) through a routing and settlement system (6) of a financial institution. In another such method, encrypted customer data is sent by a web merchant site (54) to a financial institution via EFT infrastructure (52) in a private data field (44) of a financial transaction message (40) after the merchant site (54) receives the encrypted customer data from the customer (2) during an internet transaction assisted by an applet provided by the financial institution.

公开(公告)号：EP0982674A3

公开(公告)日：2004-03-31

申请号：EP99202784.7

申请日：1999-08-27

申请人： CITIBANK, N.A.

发明人： Slater, Alan

IPC分类号： G06F17/60 ,  G07F19/00

CPC分类号： G06Q30/04 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0425 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q30/0601

摘要： 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. In addition, the service provider can consolidate order and settlement transactions, which saves transaction costs for the merchant.

公开(公告)号：EP1363223A8

公开(公告)日：2004-01-28

申请号：EP03101415.2

申请日：2003-05-19

申请人： Citibank, N.A. ,  Instinet Global Holdings, Inc.

发明人： Srivastava, Vikas ,  Nelson, Andrew ,  Caggiano, John

IPC分类号： G06F17/60

CPC分类号： G06Q40/04 ,  G06Q20/381 ,  G06Q30/06

摘要： A method and system for executing foreign exchange transactions anonymously via an online communications network with minimal market impact at a transparent price. An embodiment of the present invention involves a novel execution product offering two distinct services. The first is a crossing service in which buy and sell orders for each currency pair are matched directly against each other for execution at a future benchmark rate. The matching of orders and the clearing and settlement of each execution is facilitated and no market risk is undertaken. The second service is an optional residual program where, if a 100% fill on an order is desired, the customer can choose to have unmatched or residual of orders executed at the benchmark rate. Market risk associated with guaranteeing the Benchmark rate is undertaken, just as it is with the current benchmark execution process. For both services, customers pay a transparent commission.

公开(公告)号：EP0974920A3

公开(公告)日：2003-04-16

申请号：EP99202430.7

申请日：1999-07-23

申请人： CITIBANK, N.A.

发明人： Hillman, John M. ,  Schadt, Andrew F.

IPC分类号： G06F17/60

CPC分类号： G06Q30/02 ,  G06Q40/02

摘要： 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.

公开(公告)号：EP0984411A3

公开(公告)日：2003-04-02

申请号：EP99202841.5

申请日：1999-09-02

申请人： CITIBANK, N.A.

发明人： Padalino, Ronald ,  Pinnel, Nigel ,  Yu, Wigberto ,  Shinn, Philip C.

IPC分类号： G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/305 ,  G06Q20/4037 ,  G06Q40/02

摘要： 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.

公开(公告)号：EP0999678A3

公开(公告)日：2003-01-02

申请号：EP99203633.5

申请日：1999-11-04

申请人： CITIBANK, N.A.

发明人： Horowitz, Edward

IPC分类号： H04L29/06 ,  H04L12/64 ,  H04Q7/22 ,  H04N7/173 ,  H04M3/51 ,  G06F17/60 ,  H04L29/08

CPC分类号： G07F7/1008 ,  G06Q20/32 ,  G06Q20/341 ,  G07F7/0886 ,  G07F17/0014 ,  H04L12/6418 ,  H04M1/725 ,  H04M1/72561 ,  H04N21/2542 ,  H04N21/2543 ,  H04N21/4184 ,  H04N21/4331 ,  H04N21/4438 ,  H04N21/47805 ,  H04N21/488 ,  H04N21/6131 ,  H04N21/6181

摘要： A cradle for providing video and audio signals to television or other display device such that a user may view data and make transactions. The cradle receives external data via either a wireless telephone network or a land-line based telephone network from a computer, The cradle then combines this external data with data stored in an internal memory or a removable memory device so as to form a composite video image that the user understands.

公开(公告)号：EP1001578A3

公开(公告)日：2002-01-23

申请号：EP99203210.2

申请日：1999-10-01

申请人： CITIBANK, N.A.

发明人： Schutzer, Daniel

IPC分类号： H04L12/58 ,  G06F17/30

CPC分类号： G06Q10/107 ,  G06F17/30899 ,  H04L51/00

摘要： 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).

公开(公告)号：EP1135886A1

公开(公告)日：2001-09-26

申请号：EP99966051.7

申请日：1999-12-07

申请人： CITIBANK, N.A.

发明人： LENSTRA, Arjen, K.

IPC分类号： H04L9/30

CPC分类号： H04L9/3073

摘要： Participants in a cryptosystem select their own elliptic curve and finite field, rather than using a centrally chosen elliptic curve. The curve is chosen from a predetermined set of elliptic curves expressed as Weierstraß model equations. The public key is based on a participant's unique ID, which must be exchanged during communication setup for non-cryptographic reasons, and a randomly chosen bitstring having a length based on security considerations. The public key can be readily constructed from parameters and mapping functions which are known system-wide and from a small amount of participant dependent data.

公开(公告)号：EP1100054A2

公开(公告)日：2001-05-16

申请号：EP00123117.4

申请日：1995-03-28

申请人： CITIBANK, N.A.

发明人： Rosen, Shalom S.

IPC分类号： G07F7/08 ,  G07F19/00 ,  G07F17/16 ,  G06F17/60

CPC分类号： G07F7/0866 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/085 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/204 ,  G06Q20/209 ,  G06Q20/26 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q50/188 ,  G07F17/16 ,  H04L9/3213 ,  H04L9/3247 ,  H04L9/3263 ,  H04L63/123 ,  H04L2209/42 ,  H04L2209/56

摘要： A method for aquiring electronic credentials comprises establishing cryptographically secure session between a customer trusted agent and an authority trusted agent. A host processor sends credential information to the authority trusted agent which assembles this information into an electronic credential with a digital signature and a certificate. The electronic credential is sent to the customer trusted agent via the cryptographically secure session and the customer trusted agent validates the electronic credential.

摘要翻译： 用于获取电子凭证的方法包括在客户信任代理和机构可信代理之间建立加密安全会话。 主机处理器向授权信任代理发送凭证信息，其将该信息组装成具有数字签名和证书的电子凭证。 电子凭证通过密码安全会话发送给客户信任的代理，客户信任的代理验证电子凭证。