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91. 发明公开

EP1636747A2 SYSTEM AND METHOD FOR ANALYZING MARKETING EFFORTS 审中-公开
标题翻译：系统和方法用于分析营销力度
公开(公告)号：EP1636747A2
公开(公告)日：2006-03-22
申请号：EP04776429.5
申请日：2004-06-10
申请人： CITIBANK, N.A.
发明人： NEWMAN, Alan, B. , MENAI, Noor, A.
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0203 , G06Q30/0205 , G06Q30/0207 , G06Q30/0242 , G06Q30/0245
摘要： The present invention relates to a method and system for evaluating the cause and effect of advertising and marketing programs using card transaction data. In one embodiment, access is provided to voluminous card-holder transaction data detailing accurate-to-the-penny transaction amounts, twenty-four hour active customers, and a multi-year transaction history per customer. Furthermore, such data is captured in real-time, and due to the sample size, can provide granular, statistically significant information at a local level for client and merchant coverage.

92. 发明公开

EP1100054A3 Trusted agents for open electronic commerce 失效
标题翻译：受信任的开放电子商务代理
公开(公告)号：EP1100054A3
公开(公告)日：2005-05-11
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：用于获取电子证书的方法包括在客户信托代理和权威信托代理之间建立密码安全会话。主处理器将证书信息发送给权威信托代理，该代理将该信息组装成具有数字签名和证书的电子证书。电子凭证通过密码安全会话发送给客户信托代理，客户信托代理验证电子凭证。

93. 发明公开

EP0980053A3 Advanced plastic card for financial and informational transactions 审中-公开
标题翻译：改进的塑料卡，金融和信息交易
公开(公告)号：EP0980053A3
公开(公告)日：2003-09-17
申请号：EP99402040.2
申请日：1999-08-11
申请人： CITIBANK, N.A.
发明人： Hooper, William D.
IPC分类号： G07F7/10 , G07F19/00 , G06F17/60 , G06K19/07
CPC分类号： G07F7/1008 , G06K19/0723 , G06K19/077 , G06Q20/3415 , G06Q20/346 , G06Q30/02 , G06Q30/04
摘要： The present invention is an improvement to plastic cards such that a cardholder may use his card as a stand alone device to receive and transmit messages as well as to make financial transactions and inquiries. The card is implemented with a touch screen, a processor and memories. The cardholder uses the touch screen to imput data into the processor and receive data from the processor. The card is also implemented with an antenna and a communications circuit for wireless communications. To support the functionality of the card, a server is also described to assist in bendling messages and financial transactions.

94. 发明公开

EP0949596A3 Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies 审中-公开
标题翻译：方法和系统，用于与不同类型的货币的执行异构支付系统之间的电子值的交流与平衡
公开(公告)号：EP0949596A3
公开(公告)日：2003-01-08
申请号：EP99200970.4
申请日：1999-03-30
申请人： CITIBANK, N.A.
发明人： Golvin, Charles , Katis, Thomas
IPC分类号： G07F19/00 , G07F7/08 , G06F17/60
CPC分类号： G06Q20/06 , G06Q20/29 , G06Q20/381
摘要： A method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies. The method and system simultaneously enable electronic value exchange and denomination conversion. In an electronic exchange, the method and system determine the payment scheme and currency required, then make any required conversions to meet the requirements.

95. 发明公开

EP1100055A2 Trusted agents for open electronic commerce 失效
标题翻译： Treuhandvermittlerfürden offenen elektronischen Handel
公开(公告)号：EP1100055A2
公开(公告)日：2001-05-16
申请号：EP00123118.2
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 , G06F17/60 , G07F17/16
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： An electronic ticket is presented for services utilising a customer trusted agent. A cryptographically secure session is established between the customer trusted agent and a merchant trusted agent. A first host processor informs the customer trusted agent of the electronic ticket selected for presentation and the customer trusted agent sends a copy of the electronic ticket to the merchant trusted agent via the cryptographically secure session. The merchant trusted agent checks the validity of the electronic ticket and notifies a second host processor to deliver services identified by the electronic ticket. The merchant trusted agent notifies the customer trusted agent via the cryptographically secure session that the electronic ticket is in use. The second host processor then informs the merchant trusted agent that the services have been rendered and the merchant trusted agent sends a new ticket value to the customer trusted agent.
摘要翻译：为使用客户信任代理的服务提供电子机票。在客户信任代理和商家信任代理之间建立密码安全的会话。第一主机处理器通知客户信任代理所选择的用于呈现的电子票据，并且客户信任代理经由加密安全会话将电子票证的副本发送给商家信任代理。商家信任代理机构检查电子票证的有效性，并通知第二主机处理器提供由电子机票识别的服务。商家信任代理通过加密安全会话向客户信任的代理通知电子机票正在使用中。然后，第二主机处理器通知商家可信代理服务已被呈现，并且商家信任代理向客户信任代理发送新的票值。

96. 发明公开

EP1058217A2 Financial services systems and methods for transferring funds 审中-公开
标题翻译： Finanzielle Dienstleistungssysteme und Verfahren zurGeldüberweisung
公开(公告)号：EP1058217A2
公开(公告)日：2000-12-06
申请号：EP00201819.0
申请日：2000-05-25
申请人： CITIBANK, N.A.
发明人： Prasad, Raghav
IPC分类号： G07F19/00 , G06F17/60
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/28 , G06Q20/341 , G06Q20/355 , G06Q30/06
摘要： The present invention provides systems and methods for transferring funds utilizing existing financial services networks and credit, debit, ATM and/or "Smart" cards. The methods and systems of the present invention are advantageous for transferring funds across international borders.
摘要翻译：本发明提供了利用现有金融服务网络和信用卡，借记卡，ATM和/或“智能”卡转帐资金的系统和方法。本发明的方法和系统有利于在国际间转移资金。

97. 发明公开

EP1039402A2 Systems and methods of electronic payment and financing the same 审中-公开
标题翻译：电子支付和适当的融资制度和程序
公开(公告)号：EP1039402A2
公开(公告)日：2000-09-27
申请号：EP00200960.3
申请日：2000-03-17
申请人： CITIBANK, N.A.
发明人： Katis, Thomas E.
IPC分类号： G06F17/60
CPC分类号： G07F7/0866 , G06Q20/02 , G06Q20/04 , G06Q20/06 , G06Q20/12 , G06Q20/363 , G06Q20/3829 , G06Q30/02 , G06Q30/04
摘要： A system and method are described wherein a financial institution establishes an electronic card account on its own computer. The financial institution issues digital bearer certificates to a consumer for use in making purchases over a network. The digital bearer certificates are stored on a financial institution's computer until the consumer instructs the computer to forward one to a merchant when purchasing a good or service. In addition to maintaining these digital bearer certificates, the electronic card account also holds credit card numbers for use in making purchases over the network. Finally, the financial institution receives money for the digital bearer certificates up front so that it may invest that money for profit.
摘要翻译：的系统和方法描述worin自己的计算机上的电子卡账户的金融机构建立。金融机构颁发的数字证书承载给消费者在网络上进行购买使用。直到消费者指示转发一个商户在购买商品或服务的计算机的数字承载证书存储在金融机构的计算机上。除了维持论文数字承载证书，电子卡帐户，以便持有的信用卡号码，在网络上进行购买使用。最后，金融机构收到钱的数字承载证书前面所以也可能投资的钱没有以盈利为目的。

98. 发明公开

EP1014646A2 Systems and methods for distributing information to a diverse plurality of devices 审中-公开
标题翻译：系统与Verfahren zur Informationsverteilung zu einer Mehrzahl von verschiedenen Einrichtungen
公开(公告)号：EP1014646A2
公开(公告)日：2000-06-28
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.
摘要翻译：本发明允许客户使用多个设备中的任何一个来访问数据，并使用来自世界各地许多不同位置的机构的计算机和数据库进行交易。例如，银行客户可以使用电话，掌上电脑或电视机来在外国度假期间确定他的支票账户余额。本发明通过使用通用协议将客户连接到期望的计算机和数据库来操作，使得位置变得无关紧要。本发明的另一个特征是有效利用具有变化的传输速度的不同网络。

99. 发明公开

EP1001578A2 System and method for accessing web pages using e-mail 审中-公开
标题翻译：系统与Verfahren zum Zugriff auf Webseitenüberelektronische Post
公开(公告)号：EP1001578A2
公开(公告)日：2000-05-17
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).
摘要翻译：本发明允许电子邮件服务器处理对网页的请求并将所请求的网页的副本作为附件转发到电子邮件消息。除了自己提供第一组网页的副本之外，本发明还将包含在第一组网页中的链接引用的附加网页复制到电子邮件消息中，使得用户可以读取使用Web浏览器的功能和功能的其他网页。请求是通过使用搜索引擎或通过从先前复制和链接的网页请求特定网页来生成的。因此，用户可以请求网页，然后离线，等待结果作为附件返回给他/她的电子邮件消息。

100. 发明公开

EP0987642A2 Method and system for co-branding an electronic payment platform such as an electronic wallet 审中-公开
标题翻译：方法和系统与现有的商标一起销售的电子支付平台，如电子钱包
公开(公告)号：EP0987642A2
公开(公告)日：2000-03-22
申请号：EP99203005.6
申请日：1999-09-15
申请人： CITIBANK, N.A.
发明人： Katis, Thomas
IPC分类号： G06F17/60
CPC分类号： G07F7/0866 , G06Q20/02 , G06Q20/04 , G06Q20/06 , G06Q20/12 , G06Q20/363 , G06Q20/3829 , G06Q30/02 , G06Q30/04 , G06Q30/0601
摘要： 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.
摘要翻译：一种方法和电子支付平台，检查作为电子钱包的联合品牌的系统中，利用了计算机硬件和软件，包括，的对于实施例，一个或由金融机构控制的多个电子钱包有关的服务器，这些服务器可被耦合在互联网用户的个人电脑和商家的网站服务器。电子钱包是联合品牌，例如，同品牌的金融机构和品牌或品牌的一个或多个合作商家。联合品牌的电子支付平台利用相关的支付机制，例如，在信用卡帐户的用户或数字支付令牌预分配给用户的。用户给予奖励奖使用联合品牌的电子支付平台，所有这一切是为用户存储和赎回在一个或多个合作客商。

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