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31. 发明申请

WO2003067506A2 METHOD AND SYSTEM OF TRANSACTION CARD FRAUD MITIGATION UTILIZING LOCATION BASED SERVICES 审中-公开
标题翻译：利用基于位置的服务的交易卡风险缓解方法与系统
公开(公告)号：WO2003067506A2
公开(公告)日：2003-08-14
申请号：PCT/US2003/003443
申请日：2003-02-06
申请人： CITIBANK, N.A.
发明人： CHOEY, Mark , SCHUTZER, Daniel , SCHREIBER, David
IPC分类号： G06K
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/20 , G06Q20/206 , G06Q20/3224 , G06Q20/403 , H04L63/0853 , H04W4/02 , H04W12/12
摘要： A method and system of transaction card fraud mitigation utilizes location based services provided by a card holder's wireless carrier for verification of whether or not a transaction with the card holder's transaction card is fraudulent. For example, when factors indicative of a likelihood of a fraudulent transaction with the card holder's transaction card are present, the card processing system requests the card holder's wireless carrier to return the location information of the card holder's mobile phone, which is typically on the person of the subscriber. When the location of the subscriber's mobile phone is returned and determined to be at or near the location from which the transaction is being attempted with the transaction card, the card processing system has a reasonable degree of confidence that the particular transaction is or is not fraudulent and allows the transaction to proceed. Otherwise, the transaction is denied.
摘要翻译：交易卡欺诈减轻的方法和系统利用由持卡人的无线运营商提供的基于位置的服务来验证与持卡人交易卡的交易是否是欺诈性的。例如，当存在指示与持卡人交易卡进行欺诈交易的可能性的因素时，卡处理系统请求持卡人的无线运营商返回通常在该人身上的持卡人的移动电话的位置信息的用户。当用户的移动电话的位置被返回并被确定为与交易卡在尝试交易的位置处或附近时，卡处理系统具有合理的置信度，特定的交易是或不是欺诈的并允许事务继续进行。否则，交易被拒绝。

32. 发明申请

WO2002069085A2 METHOD AND SYSTEM FOR ELECTRONIC COMMERCE USING A MOBILE COMMUNICATION SYSTEM 审中-公开
标题翻译：使用移动通信系统的电子商务的方法和系统
公开(公告)号：WO2002069085A2
公开(公告)日：2002-09-06
申请号：PCT/US2002/004961
申请日：2002-02-21
申请人： CITIBANK, N.A.
发明人： PHILLIPS, Joyce
IPC分类号： G06F
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/341 , G06Q20/363 , G07F7/0866 , G07F7/0886 , H04M7/0018
摘要： A system and method for using a smart card provided by a bank and available through a mobile telephone service provider in one branded service for use on a secure merchant network accessible through a mobile telephone whereby a consumer may obtain a single-branded smart card from the mobile telephone service provider and subsequently purchase goods and services through such a network using the smart card, and whereby the bank account or other account associated with the smart card is debited.
摘要翻译：一种用于使用由银行提供并且可通过移动电话服务提供商在一个品牌服务中使用的智能卡的系统和方法，用于通过移动电话可访问的安全商家网络，由此消费者可以从所述智能卡获得单品牌智能卡移动电话服务提供商，随后通过使用该智能卡的这种网络购买商品和服务，并且借记与智能卡相关联的银行帐户或其他帐户。

33. 发明申请

WO2002069072A2 SYSTEMS AND METHODS FOR THE PROCESSING OF FINANCIAL TRANSACTIONS 审中-公开
标题翻译：财务交易处理的制度和方法
公开(公告)号：WO2002069072A2
公开(公告)日：2002-09-06
申请号：PCT/US2001/043126
申请日：2001-11-19
申请人： CITIBANK, N.A.
发明人： BEHRENBRINKER, Anita, M. , FEIGHT, Richard, D.
IPC分类号： G06F
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/403 , G06Q40/00 , G06Q40/025
摘要： Systems and methods for processing credit card transactions including an account with a multi-dimensional balance structure, wherein balance segments within the balance structure have individually-definable terms and conditions. A system receiveds incoming transaction data by way of a conventional transaction system. A transaction processor within the system uses predetermined balance rules to determine an appropriate balanec segment within an associated masterfile, which stores data. The multi-dimensional balance structure allows financial institutions to provide customers with special promotions for transactions meeting predetermined requirements, such as transactions with particular merchants, Internet purchases, and automobile-related purchases.
摘要翻译：用于处理信用卡交易的系统和方法，包括具有多维平衡结构的账户，其中余额结构中的余额段具有可独立定义的条款和条件。系统通过常规交易系统接收进入的交易数据。系统内的事务处理器使用预定的平衡规则来确定存储数据的相关联的主文件内的适当balanec段。多维平衡结构允许金融机构为客户提供满足预定要求的交易的特别促销，例如与特定商家的交易，互联网购买和汽车相关购买。

34. 发明申请

WO1997039415A3 INSIDE MONEY 审中-公开
公开(公告)号：WO1997039415A3
公开(公告)日：1997-10-23
申请号：PCT/US1997006358
申请日：1997-04-11
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , ENG, Alvin , BRILL, Curtis
IPC分类号： G06F17/60

35. 发明申请

WO1997015023A2 SALES PROCESS SUPPORT SYSTEM AND METHOD 审中-公开
标题翻译：销售流程支持系统和方法
公开(公告)号：WO1997015023A2
公开(公告)日：1997-04-24
申请号：PCT/US1996016306
申请日：1996-10-17
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , MELCHIONE, Anthony, R. , MARTINEZ, Rafael , SEIFERT, Eric , HIRSCH, Martin
IPC分类号： G06K00/00
CPC分类号： G06Q30/02
摘要： A sales process support system and method for identifying sales targets using a centralized database to improve marketing success. The system includes a central database that receives comprehensive information from a variety of internal and external feeds, and standardizes and householods the information in the three-level hierarchy (households, customers, and accounts) for use by a financial institution. The comprehensive information stored on the central database is accessed through micromarketing workstations to generate lists of sales leads for marketing campaigns. A database engine is provided for generating logical access paths for accessing data on the central database to increase speed and efficiency of the central database. The system distributes sales leads electronically to branch networks, where the sales leads are used to target customers for marketing campaigns. The central database is accessed by workstations of a central customer information system for profiling customers, enhancing customer relationships with the financial institution, and electronically tracking sales and service performance during marketing campaigns. The system can also include a system for opening an account in a single session that is in communication with the central database, micromarketing centers, central customer information systems and branch systems of the present invention so that data can pass between these systems where legal and appropriate.
摘要翻译：销售流程支持系统和方法，用于使用集中式数据库识别销售目标，以提高营销成功率。该系统包括一个中央数据库，从各种内部和外部Feed中获取综合信息，并对三级层级（家庭，客户和帐户）中的信息进行标准化和放置，供金融机构使用。通过微型营销工作站访问中央数据库中存储的综合信息，以生成营销活动销售线索列表。提供数据库引擎用于生成用于访问中央数据库上的数据的逻辑访问路径，以提高中央数据库的速度和效率。该系统将销售线索电子分配到分支网络，其中销售线索用于针对客户进行营销活动。中央数据库由中央客户信息系统的工作站访问，用于分析客户，增强与金融机构的客户关系，以及在营销活动期间电子跟踪销售和服务绩效。该系统还可以包括用于在与本中心数据库，微型营销中心，中央客户信息系统和分支系统通信的单个会话中打开帐户的系统，使得数据可以在合法和适当的这些系统之间通过。

36. 发明申请

WO1995030211A1 TRUSTED AGENTS FOR OPEN ELECTRONIC COMMERCE 审中-公开
标题翻译：开放电子商务的有关代理商
公开(公告)号：WO1995030211A1
公开(公告)日：1995-11-09
申请号：PCT/US1995003831
申请日：1995-03-28
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , ROSEN, Sholom, S.
IPC分类号： G07F07/08
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 system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both money modules are capable of establishing a second cryptographically secure session. The merchant trusted agent transfers electronic merchandise to the customer trusted agent, and the first money module transfers electronic money to the second money module. The money modules inform their trusted agents of the successful completion of payment, and the customer may use the purchased electronic merchandise.
摘要翻译：一种用于开放电子商务的系统，其具有与第一货币模块安全通信的客户信任代理，以及与第二货币模块安全地通信的商家信任代理。两个可信代理能够建立第一密码安全会话，并且两个货币模块能够建立第二密码安全会话。商家信任代理将电子商品转移给客户信任代理，第一货币模块将电子货币转移到第二货币模组。货币模块通知其信任代理商成功完成付款，客户可以使用购买的电子商品。

37. 发明申请

WO2022103568A1 HIERARCHY-BASED BLOCKCHAIN 审中-公开
公开(公告)号：WO2022103568A1
公开(公告)日：2022-05-19
申请号：PCT/US2021/056423
申请日：2021-10-25
申请人： CITIBANK, N.A.
发明人： MARSH, Ryan
IPC分类号： G06Q20/16 , G06Q20/38 , G06Q20/40
摘要： A computer-implemented method comprising receiving a transaction request from a first node within the plurality of nodes, the transaction request corresponding to a pending transaction between the first node and a second node; identifying a blockchain associated with the pending transaction, the blockchain including a first block instance having a hierarchy file indicating a hierarchy among the first node, the second node, and the third node; identifying a second block instance having an executable file to approve the transaction request received from the first node; executing the executable file, wherein the executable file is configured to retrieve data from a data source associated with the third node and analyze data to approve or deny the transaction request; and appending a third block instance comprising the set of transaction attributes to the blockchain.

38. 发明申请

WO2018111425A1 SYSTEMS AND METHODS FOR PRE-STAGING ATM TRANSACTIONS 审中-公开
公开(公告)号：WO2018111425A1
公开(公告)日：2018-06-21
申请号：PCT/US2017/059045
申请日：2017-10-30
申请人： CITIBANK, N.A.
发明人： NAIK, Jayant M. , NARAYANAN, Giridhar , YUSCHIK, Matthew John , WARRIER, Ajay , ZHANG, Jiachun
IPC分类号： G06Q20/36 , G07F19/00
CPC分类号： G06Q20/1085 , G06Q20/3223 , G06Q20/3821
摘要： Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre- staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.

39. 发明申请

WO2014126924A1 METHODS AND SYSTEMS FOR MANAGING A GRAPHICAL USER INTERFACE 审中-公开
标题翻译：用于管理图形用户界面的方法和系统
公开(公告)号：WO2014126924A1
公开(公告)日：2014-08-21
申请号：PCT/US2014/015821
申请日：2014-02-11
申请人： CITIBANK, N.A.
发明人： O'BYRNE, David, Niall , SAEED, Alaa, Abdulkhaleq , PARKASH, Ashvin , FLORES, Wyatt, Alexander , DA SILVA, Vanderlei, Cardoso , ANAVIM, Ori , NAGARAJAN, Kumaravel, Kannan , BLACKMAN, Andrew, Robert , SUBBIYAN, Naveenprasad , RAJAGOPALAN, Krishnaraj , TURNER, Laura Krystyna, Lingard
IPC分类号： G06F3/048
CPC分类号： G06F3/0484 , G06F9/451
摘要： Methods and systems for managing a graphical user interface involve, for example, defining, using a processor coupled to memory, a threshold distance between windows on a display screen at which a mutual attraction between the windows is activated to draw the windows together as components of a picture of windows. Also using the processor, all windows of a same functional type that are components of the picture of windows are resized simultaneously without affecting the size of windows of other functional types that are also components of the picture of windows. Likewise using the processor, all windows on the display screen are maintained in an active state regardless of a focus of a user input device.
摘要翻译：用于管理图形用户界面的方法和系统涉及例如使用耦合到存储器的处理器定义在显示屏幕上的窗口之间的阈值距离，在该距离处窗口之间的相互吸引力被激活以将窗口一起绘制在一起作为一张窗户的照片。同样使用处理器，作为Windows图片组件的相同功能类型的所有窗口都可以同时调整大小，而不会影响其他功能类型的窗口大小，这些窗口也是窗口图片的组成部分。同样使用处理器，无论用户输入设备的焦点如何，显示屏幕上的所有窗口都将保持在活动状态。

40. 发明申请

WO2014113090A1 ELECTRONICALLY MANAGING HEALTHCARE EXPENSES AND PAYMENTS 审中-公开
标题翻译：电子管理医疗费用和支付
公开(公告)号：WO2014113090A1
公开(公告)日：2014-07-24
申请号：PCT/US2013/062618
申请日：2013-09-30
申请人： CITIBANK, N.A.
发明人： FELIX, June, Yee , WORD, Gary, Brian , BANDYOPADHYAY, Paramita , JAMES, Sarita , HANSON, Stuart, Mitchell
IPC分类号： G06Q20/14 , G06Q50/22
CPC分类号： G06Q50/22 , G06F19/00 , G06Q30/04
摘要： Methods and systems for electronically managing healthcare expenses and payments involve, for example, receiving information from a health plan processor consisting at least in part of an adjudicated balance owed by a user to a healthcare provider, optionally receiving an adjustment of the adjudicated balance from the healthcare provider, and presenting the adjudicated balance and the optional adjustment, if any, to the user. Thereafter, a payment of the user for the adjudicated balance, as optionally adjusted, may be received, and the user's payment, or information therefor, for the adjudicated balance, as optionally adjusted, may be sent to the healthcare provider.
摘要翻译：用于电子管理医疗费用和付款的方法和系统涉及例如从健康计划处理器接收信息，所述处理器至少部分地由用户对医疗服务提供者所承担的判定余额组成，可选地从医疗保健提供者，并向用户陈述裁定的余额和可选调整（如果有的话）。此后，作为可选择地调整的用于被判定余额的用户的支付可以被接收，并且可选地调整的用于被判定余额的用户的支付或其信息可以被发送给医疗服务提供者。

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