公开(公告)号：EP1068597A1

公开(公告)日：2001-01-17

申请号：EP99942598.6

申请日：1999-02-12

申请人： CITIBANK, N.A.

发明人： ROSEN, Sholom, S.

IPC分类号： G07F7/10

CPC分类号： G06Q20/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/367 ,  G06Q20/3821 ,  G06Q30/04 ,  G06Q40/12

摘要： A system for secure presentment and payment having a first electronic processing device and a second electronic processing device. The first processing device creates a presentment ticket from stored invoice data, and securely transmits the presentment ticket and the invoice data to the second processing device. The second processing device determines which invoices are to be paid and creates a corresponding remittance advice which it securely transmits to said first processing device. The first processing device creates a commercial payment ticket corresponding to the remittance advice and securely transmits it to the second processing device. The second processing device then securely transmits electronic money to the first processing device in an amount corresponding to that specified in the remittance advice.

公开(公告)号：EP1014646A3

公开(公告)日：2000-12-20

申请号：EP99204462.8

申请日：1999-12-22

申请人： CITIBANK, N.A. ,  Citibank Development Center

发明人： Young, Alan ,  Tompkins, Peter ,  Grandcolas, Michael L.

IPC分类号： H04L29/06 ,  H04L12/18

CPC分类号： H04L63/0281 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/363 ,  G07F7/0866 ,  G07F7/0886 ,  G07F7/1008 ,  H04L29/06 ,  H04L67/16 ,  H04L67/26 ,  H04L67/2814 ,  H04L67/2823 ,  H04L67/42 ,  H04L69/08 ,  H04L69/329 ,  H04M3/493 ,  H04M7/0012 ,  H04M7/12

摘要： 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.

公开(公告)号：EP1056011A2

公开(公告)日：2000-11-29

申请号：EP00201532.9

申请日：2000-04-28

申请人： CITIBANK, N.A.

发明人： Clark, Barry A. ,  Durant, Charlie ,  Francis, David ,  Lampinen, John ,  Malarkey, Dennis ,  Zemanik, Frank

IPC分类号： G06F11/14

CPC分类号： G06F11/2074 ,  G06F11/2064

摘要： A system and method to allow mirroring of data into a recovery site in real time so that as data is written 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.

摘要翻译： 一种允许将数据实时镜像到恢复站点的系统和方法，以便当数据在主数据中心位置写入磁盘时，它将在恢复站点同时复制到磁盘，从而消除使用单独的磁性介质 那个目的 将数据的实时镜像提供给单独的设施，其通过适当的通信电路连接到第一主机数据中心。 辅助数据中心操作与主数据中心的操作保持同步，以便在发生系统故障的情况下，可以快速恢复数据中心的操作。

公开(公告)号：EP1054554A2

公开(公告)日：2000-11-22

申请号：EP00201511.3

申请日：2000-04-27

申请人： CITIBANK, N.A.

发明人： The designation of the inventor has not yet been filed

IPC分类号： H04M3/51

CPC分类号： H04Q3/0029 ,  H04M3/42042 ,  H04M3/42059 ,  H04M3/42068 ,  H04M3/493 ,  H04M3/523 ,  H04M3/533 ,  H04M3/54 ,  H04M3/58 ,  H04M2242/22

摘要： 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 subsequent information contained in the ANI field directing an agent terminal to a portion of the at least one application database that contains the initial information contained in the ANI field associated with the call signal and the other information regarding the source of the call signal; (b) transferring the call and the subsequent information contained in the ANI field from the host to the at least one agent terminal by transferring the voice portion of the call to a voice communication device of the at least one agent terminal, and transmitting the subsequent information contained in the ANI field directing the at least one agent terminal to the portion of the database that contains the initial information contained in the ANI field associated with the call signal and the other information regarding the source of the call signal; (c) at the agent terminal, (1) receiving the call signal and information contained in the ANI field directing the at least one agent terminal to the portion of the database that contains the initial information contained in the ANI field associated with the call signal and the other information regarding the source of the call signal.

摘要翻译： 本发明提供了一种传送呼叫信号的系统和方法，该呼叫信号包括从主机与通过网络连接的至少一个远程代理终端之间的通信系统接收的呼叫相关数据，其中主机可以访问至少一个应用数据库以存储 并且检索与每个代理终端要处理的每个服务相关联的信息，并且每个代理终端可以访问所述至少一个应用数据库计算机系统以存储和检索与每个代理终端要处理的每个服务相关联的信息，所述方法包括： 步骤：（a）在主机（i）将包含在与呼叫信号相关联的ANI字段中的初始信息传送到至少一个应用数据库中，（ii）将包含在ANI字段中的初始信息与关于 呼叫信号的来源，以及（iii）替换包含在与AN相关联的ANI字段中的初始信息 所述呼叫信号具有包含在所述ANI字段中的后续信息，其指示代理终端到所述至少一个应用数据库的包含与所述呼叫信号相关联的ANI字段中包含的初始信息的部分，以及关于所述源的 通话信号 （b）通过将呼叫的语音部分传送到所述至少一个代理终端的语音通信装置，将所述ANI字段中包含的呼叫和随后的信息从主机传送到所述至少一个代理终端，并且发送后续 包含在ANI字段中的信息，其将至少一个代理终端指向包含与呼叫信号相关联的ANI字段中包含的初始信息的数据库部分和关于呼叫信号源的其他信息; （c）在代理终端，（1）接收呼叫信号和包含在ANI字段中的信息，该信息指示至少一个代理终端到包含与呼叫信号相关联的ANI字段中包含的初始信息的数据库部分 以及关于呼叫信号源的其他信息。

公开(公告)号：EP1005683A1

公开(公告)日：2000-06-07

申请号：EP98942010.4

申请日：1998-08-18

申请人： CITIBANK, N.A.

发明人： MAYR, Mona ,  WALKER, Darcy ,  LIN, Yinghua ,  COGGESHALL, Stephen, V. ,  WU, Guowei

IPC分类号： G06F17/60

CPC分类号： G06Q30/02

摘要： A computerized method and system for evaluating customers (12) of a financial institution using customer relationship value tags associated with customer treatment actions (6) includes automatically analyzing information about a customer from a database (2) of the financial institution by a customer assessment engine (4) using a predefined statistical model to assess the value of the customer (12) to the financial institution (10). The assessment engine (4) extracts the customer data necessary to create customer tags, segments the customer population using the tags, and assigns the appropriate customer treatment actions (6). The customer treatment actions information (6) is then accessed by other financial systems of the financial institution (14, 16, 20), or by customer representatives of the financial institution (18), and the associated customer treatment action is implemented by such systems or representatives (14, 16, 18, 20) in dealing with the customer (12).

公开(公告)号：EP1003117A2

公开(公告)日：2000-05-24

申请号：EP99203825.7

申请日：1999-11-17

申请人： CITIBANK, N.A.

发明人： Sanders, Barbara ,  Robb, Curtis ,  Gau, Jet

IPC分类号： G06F17/60

CPC分类号： G06Q10/10 ,  G06Q10/063112 ,  G06Q10/063116 ,  G06Q10/06316 ,  G06Q10/06398 ,  G06Q10/1097 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/025 ,  Y02P90/86

摘要： 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.

摘要翻译： 本发明提供了战略服务的企业工作负载管理的系统和方法，更具体地在为企业工作负载管理自动化的方法和系统没有启用组织：如金融机构路由到客户服务代表任何渠道服务于任何有能力的服务站点。 因此，本发明使得组织在任何时间，通过任何通信或服务渠道客户选择，worin企业工作负载管理知道的客户也一样当客户被识别的过程中的所有工作提供服务给客户，做客户 都想意图被路由到第一个可用的代理做了最能同时满足客户的意图和组织的。

公开(公告)号：EP0999678A2

公开(公告)日：2000-05-10

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

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.

摘要翻译： 用于向电视或其他显示设备提供视频和音频信号的支架，以便用户可以查看数据并进行交易。 托架通过无线电话网络或基于陆地的电话网络从计算机接收外部数据，然后将该外部数据与存储在内部存储器或可移动存储设备中的数据组合以形成复合视频图像 用户理解。

公开(公告)号：EP0996919A1

公开(公告)日：2000-05-03

申请号：EP97925641.9

申请日：1997-05-19

申请人： CITIBANK, N.A.

发明人： AZIZ, Kishwer ,  SCHNEIDER, Alan ,  SCHREIER, David ,  BOYLE, Terence

IPC分类号： G06F19/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/403 ,  G06Q40/06

摘要： A system and method is provided for advanced multi-currency collateral monitoring and controlling for use in a variety of businesses. The system maintains portfolios of collateral accounts and liability information. It supports transaction processing whether by manual or SWIFT (122) messaging. The system has the ability to apply acceptance rules in determining whether a security purchase by a client is of a sufficient quality as to have collateral value. Additionally, the system may hold up or prevent a security sale based upon insufficient collateral remaining in the client's accounts. Tables, preferably located in a relational database are included within the system for assessing the risk associated with holding securities of a particular type, and the risk associated with holding securities in currencies other than the liability currency.

公开(公告)号：EP0979474A1

公开(公告)日：2000-02-16

申请号：EP97927749.8

申请日：1997-05-30

申请人： CITIBANK, N.A.

发明人： GOTTESMAN, Sidney ,  SHUMAN, Darlene, S. ,  ELETTO, Patricia, Ann ,  GURDUS, Benjamin ,  SANTARIELLO, Robert ,  MURTHY, Jay ,  SPIVAK, Michael

IPC分类号： G06F17/60 ,  G06G7/52

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q40/025 ,  G06Q40/06

摘要： A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account (102) that includes a plurality of account components, including a checking component, a savings component, and an investment component. The system (104) includes software engines operated on specially programmed general purpose computers. The engines are sub-systems that generate input and drive another sub-system or the product processors. The overall function of the engines is to, among other things, allow pricing to be determined based on a customer's total individual or household (100) relationship to the financial institution. The preferred system includes a rate engine, a pricing engine, a linkage engine, a balance engine, and a cycle engine.

公开(公告)号：EP0979459A1

公开(公告)日：2000-02-16

申请号：EP97925626.0

申请日：1997-05-23

申请人： CITIBANK, N.A.

发明人： SCHEIN, Arthur, A. ,  ARON, Paul ,  DEMETER, Dan, A. ,  ATAIE, Faraz ,  BAMBERGER, Frank ,  MCGLYNN, John ,  MUSALO, Florence ,  PAUL, Margot ,  POPLIZIO, John ,  RICO, Lucila (Uchie) ,  TSIEN, Michael ,  YORKE, Michael

IPC分类号： G06F15/00

CPC分类号： H04L63/02 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/02 ,  H04L29/06 ,  H04L67/12 ,  H04L69/329

摘要： A global standard messaging system and process for allowing customers to access a full range of global financial services using a variety of access points. The system includes a global communications network that integrates customer information and makes the information accessible from remote locations. The system includes a comprehensive database assembled from diverse sources and systems and processes for retrieving the information from the central database in a meaningful and practical way. The system includes several levels of access communications as well as built-in flexibility so that it can be accessed by a variety of remote systems of varying degrees of complexity and language. System and process permit rapid communication among worldwide users of the service as may be desired by industries relating to the transfer of finances.