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    • 114. 发明公开
    • System and method for use of distributed electronic wallets
    • 系统和方法使用分布式电子钱包
    • EP1077419A3
    • 2004-04-14
    • EP00202865.2
    • 2000-08-16
    • CITIBANK, N.A.
    • Schutzer, Daniel
    • G06F17/60
    • G06Q30/06
    • Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet of a web merchant. In one such system, an internet consumer registers with a web merchant's exclusive or preferred electronic wallet ("merchant wallet") and provides consumer information (e.g., credit card number, mailing address, and other information) to the merchant wallet, which is stored by the merchant wallet in a database on the merchant server. Such information may be automatically populated by the consumer's personal electronic wallet. The consumer maintains current consumer information in a consumer electronic wallet on the consumer's personal computer. When the consumer visits the merchant site again, and orders goods or services, the merchant's preferred wallet can be automatically updated by the consumer's electronic wallet if any of the data in the merchant's wallet has changed. For example, the consumer wallet examines the information in the merchant wallet to determine if the information in the merchant wallet conforms to the current information in the consumer wallet. If the information does not conform, the consumer wallet communicates the current consumer information to the merchant wallet.
    • 117. 发明公开
    • System and method of providing billing-related services
    • 系统和Verfahren zum Bereitstellen Rechnungsbezogener Dienste
    • EP1081617A2
    • 2001-03-07
    • EP00203026.0
    • 2000-08-31
    • CITIBANK, N.A.
    • Matthews, Gareth ChristopherGoodman Nancy L.
    • G06F17/60
    • G06Q30/04
    • Methods and systems for managing electronic bill presentment and payment information are provided. In one such method, a biller is enrolled in an electronic bill presentment and payment management system and enrollment for the biller at a selected biller channel (e.g, a bill consolidator or a biller web site) is arranged. An enrollment request for at least one customer of the biller is received and forwarded to the biller. A data stream comprising data for at least one bill for the customer is received from the biller. The bill is formatted in a pre-determined format and sent to the selected biller channel. Notification of the customer's selection of a payment option for the bill is received, and notification of the customer's payment option selection is sent to the biller.
    • 提供了管理电子账单显示和支付信息的方法和系统。 在一种这样的方法中,帐单被登记在电子帐单呈现和支付管理系统中,并且在所选择的帐单通道(例如,帐单整理者或帐单网站)上布置登记者。 收件人的至少一个客户的注册请求被接收并转发给该账户。 从报头器接收包括用于客户的至少一张纸币的数据的数据流。 该帐单被格式化为预先确定的格式并发送到所选的会员通道。 收到客户选择帐单的付款选项的通知,并向客户发送客户的付款选项选择通知。
    • 118. 发明公开
    • System and method for web trading
    • 系统和Verfahrenfürden Wertpapierhandel auf dem Internet
    • EP1049036A2
    • 2000-11-02
    • EP00201567.5
    • 2000-04-28
    • CITIBANK, N.A.
    • Jacobs, DavidSabatino, GregSayeed, ImranMcMains, Tarkington
    • G06F17/60
    • G06Q20/10G06Q20/102G06Q40/00G06Q40/025G06Q40/04
    • The present invention relates to a web trading system and method for performing financial transactions securely over a public data network, such as the Internet, using a web browser as the user interface. The financial transactions are offered, for example, by a financial institution to its customers at the institution's web site. They include transactions such as foreign currency exchange, currency and money market trades, and warrant trades. The web trading system and method provide secure communication protocol between the Internet user interface and a virtual private network (VPN) of a financial institution to enable implementation of trading applications by the financial institution's application servers across the VPN. Security for the financial transactions is provided by the web trading systems and software downloaded to the customer's personal computer (PC) and includes encryption, authentication, authorization, message and transaction integrity capabilities, registration authority, handshake protocol, and firewalls.
    • 本发明涉及一种网络交易系统和方法,用于使用网络浏览器作为用户界面,通过诸如因特网的公共数据网络安全地执行金融交易。 财务交易例如由金融机构向机构网站上的客户提供。 它们包括外币兑换,货币和货币市场交易以及手令交易等交易。 网络交易系统和方法在互联网用户界面和金融机构的虚拟专用网络(VPN)之间提供安全的通信协议,以便金融机构的应用服务器跨越VPN实现交易应用。 金融交易的安全性由网络交易系统和下载到客户个人计算机(PC)的软件提供,包括加密,认证,授权,消息和交易完整性功能,注册机构,握手协议和防火墙。