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51. 发明申请

WO1993010503A1 ELECTRONIC-MONETARY SYSTEM 审中-公开
标题翻译：电子货币系统
公开(公告)号：WO1993010503A1
公开(公告)日：1993-05-27
申请号：PCT/US1992009732
申请日：1992-11-12
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , ROSEN, Sholom, S.
IPC分类号： G06F15/30
CPC分类号： G07F7/1008 , G06Q20/02 , G06Q20/04 , G06Q20/06 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/26 , G06Q20/29 , G06Q20/341 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/381 , G06Q20/40 , G06Q40/00 , G06Q40/02 , G07F7/082 , G07F19/211
摘要： A monetary system using electronic media (11) to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising: (I) issuing banks (1) or financial institutions that are coupled to a money generator device (6) for generating and issuing to subscribing customers electronic currency backed by demand deposits and electronic credit authorizations; (II) correspondent banks (2) that accept and distribute the electronic money; (III) a plurality of transaction devices (4) that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money off-line with other like transaction devices; (IV) teller devices (5), associated with the issuing (1) and correspondent banks (2), for process handling and interfacing the transaction devices (4) to the issuing (1) and correspondent banks (2), and for interfacing between the issuing (1) and correspondent banks (2) themselves; (V) a security arrangement (21) for maintaining the integrity of the system; and (VI) reconciliation (22, 23) and clearing processes (13) to monitor and balance the motenary system.
摘要翻译：使用电子媒体（11）的货币体系可靠，可靠地交换经济价值。本发明提供了一种完整的货币系统，其具有与常规纸币可互换的电子货币，其包括：（I）发行银行（1）或耦合到货币发生器装置（6）的金融机构，用于生成和发行订阅客户电子货币由活期存款和电子信贷授权支持; （二）接受和分发电子货币的代理银行（2）（III）多个交易装置（4），用于存储电子货币，用于与参与银行的在线系统进行货币交易或与其他类似的交易装置离线交换电子货币; （4）与发行（1）和代理行（2）相关联的（IV）出纳设备（5），用于处理处理和交易设备（4）与发行（1）和代理银行（2）的接口以及接口发行（1）和代理行（2）之间; （V）用于维持系统完整性的安全装置（21）; 和（六）和解（22,23）和结算程序（13），以监督和平衡机构制度。

52. 发明申请

WO2013126115A1 METHODS AND SYSTEMS FOR CUSTOMER INCENTIVE AWARDS 审中-公开
标题翻译：客户激励奖励的方法和系统
公开(公告)号：WO2013126115A1
公开(公告)日：2013-08-29
申请号：PCT/US2012/067255
申请日：2012-11-30
申请人： CITIBANK, N.A.
发明人： BLOOMQUIST, Eric William , BROWN, Brian Dennis
IPC分类号： G06Q10/00 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q30/0215 , G06Q40/02
摘要： Methods and systems for generating customer incentive awards involve receiving, using a processor coupled to memory, information regarding a balance of a deposit account, such as a savings account, of at least one customer for determination of an award amount related to a loan account of the customer. Using the processor, the award amount may be computed based on at least in part on the balance of the deposit account and at least in part on an interest rate of the loan account of the customer. Thereafter, likewise using the processor, the award amount may be applied to an account designated by the customer, such as a mortgage loan account of the customer.
摘要翻译：用于产生客户激励奖励的方法和系统涉及使用与存储器相耦合的处理器来接收关于至少一个客户的存款帐户（例如储蓄账户）的余额的信息，用于确定与贷款账户相关的授予金额客户。使用处理器，可以至少部分地基于存款帐户的余额并且至少部分地基于客户的贷款账户的利率来计算该金额。此后，同样使用处理器，裁决金额可以应用于客户指定的帐户，例如客户的按揭贷款账户。

53. 发明申请

WO2013066982A1 METHODS AND SYSTEMS FOR COMMUNICATING INFORMATION FROM A SMART POINT-OF-SALE TERMINAL 审中-公开
标题翻译：从智能销售终端传递信息的方法和系统
公开(公告)号：WO2013066982A1
公开(公告)日：2013-05-10
申请号：PCT/US2012/062760
申请日：2012-10-31
申请人： CITIBANK, N.A.
发明人： HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q30/02
摘要： Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.
摘要翻译：用于从专门设计的智能销售点终端传送信息的方法和系统涉及在终端处接收交易信息，确认该交易与兑换功能相关，相应地调整交易金额，以及将调整数量的批准请求通过卡关联事务处理网络发给卡发行者处理器。在另一方面，在终端处接收到信息，其识别出信息与第三方功能相关，并且在绕过卡关联事务处理网络的同时经由商家获取器处理器将消息路由到第三方处理器。此后，第三方处理器执行第三方功能，并且经由商家获取器处理器将至少部分地与第三方功能的执行相关的消息返回给智能销售点终端处理器。

54. 发明申请

WO2013025468A2 METHODS AND SYSTEMS FOR ACTIVATING AN ELECTRONIC PAYMENTS INFRASTRUCTURE 审中-公开
标题翻译：用于激活电子支付基础设施的方法和系统
公开(公告)号：WO2013025468A2
公开(公告)日：2013-02-21
申请号：PCT/US2012/050263
申请日：2012-08-10
申请人： CITIBANK, N.A. , GREENWALD, Gary , CHU, Dickson
发明人： GREENWALD, Gary , CHU, Dickson
IPC分类号： G06Q20/36
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/36 , G06Q20/3672
摘要： Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.
摘要翻译：用于激活电子支付基础设施的方法和系统例如使用令牌，其至少部分地包括分配给在客户的电子设备上提供的非活动头部帐户的唯一标识符。唯一标识符可以通过事务处理网络进行处理。接收到包括客户信息的请求，以验证客户的标题帐户的激活是否符合预定义的客户识别规则。确定客户的标题帐户的激活符合预定义的客户识别规则。使用接口处理器向客户的设备发送激活消息，头部帐户被链接到数据库上的数字钱包，并且在数据库上接收客户对数字钱包的源帐户的指定。标头帐户可以用于与我们或离线源帐户的交易。

55. 发明申请

WO2013022533A1 METHODS AND SYSTEMS OF ELECTRONIC MESSAGING 审中-公开
标题翻译：电子消声的方法和系统
公开(公告)号：WO2013022533A1
公开(公告)日：2013-02-14
申请号：PCT/US2012/045655
申请日：2012-07-06
申请人： CITIBANK, N.A. , HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
发明人： HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/325
摘要： Methods and systems of electronic messaging for verification and / or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.
摘要翻译：使用销售点终端和卡交易处理网络的用于验证和/或认证目的的电子消息的方法和系统包括例如接收至少部分由消费者标识符组成的数据，消费者的标识符可以通过交易卡处理网络以及名义货币金额，这是数据至少部分地与消费者的优惠券兑换有关的指标。其他方面包括例如使用不同的名义数量来区分多个促销和处理过度收费。另外的方面涉及例如接收至少部分由可通过交易卡处理网络处理的注册者的标识符的数据，以及至少部分地代表注册人标识命令消息的名义货币金额。

56. 发明申请

WO2007123860A2 METHOD AND SYSTEM FOR VIDEO COMMUNICATION 审中-公开
标题翻译：视频通信的方法和系统
公开(公告)号：WO2007123860A2
公开(公告)日：2007-11-01
申请号：PCT/US2007/009203
申请日：2007-04-16
申请人： CITIBANK, N.A.
发明人： ELDER, Richard
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： A customer sales and service tool and methodology for authenticating a customer and identifying and connecting a specific subject matter expert to the customer via live, two-way video communication to address the customer's needs regarding a specific financial product.
摘要翻译：客户销售和服务工具和方法，用于验证客户，并通过实时双向视频通信识别和连接特定主题专家给客户，以满足客户对特定金融产品的需求。

57. 发明申请

WO2007050472A2 METHODS AND SYSTEMS FOR MANAGING TRANSACTION CARD CUSTOMER ACCOUNTS 审中-公开
标题翻译：用于管理交易卡客户账户的方法和系统
公开(公告)号：WO2007050472A2
公开(公告)日：2007-05-03
申请号：PCT/US2006/041141
申请日：2006-10-20
申请人： CITIBANK, N.A.
发明人： LEI, Ying , CHEN, Iho , LIANG, Echo
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0202
摘要： Methods and systems for managing transaction card customer accounts provided by a financial institution for a plurality of customers involves dividing the plurality of accounts into a plurality of predefined customer value segments by the financial institution and identifying accounts in each of the customer value segments that exhibits characteristics indicative of a trend towards an inactive state of the account. Thereafter, accounts are selected from among the accounts identified as trending towards the inactive state to be evaluated for marketing efforts based at least in part on the customer value segment of the accounts, and the selected accounts are then analyzed to determine a type of marketing effort for each account.
摘要翻译：用于管理由多个客户的金融机构提供的交易卡客户帐户的方法和系统涉及由金融机构将多个账户划分成多个预定义的客户价值区段，并且识别展现特征的每个客户价值区段中的账户表明帐户处于不活跃状态的趋势。此后，至少部分地基于账户的客户价值部分，从被识别为趋向于不活动状态的账户中选择账户以进行营销努力评估，然后分析所选择的账户以确定营销工作的类型为每个帐户。

58. 发明申请

WO2006039706A2 METHODS AND SYSTEMS FOR IMPLEMENTING ON-LINE FINANCIAL INSTITUTION SERVICES VIA A SINGLE PLATFORM 审中-公开
标题翻译：通过单一平台实施在线金融机构服务的方法和系统
公开(公告)号：WO2006039706A2
公开(公告)日：2006-04-13
申请号：PCT/US2005/035718
申请日：2005-10-03
申请人： CITIBANK, N.A.
发明人： GRANDCOLAS, Michael , RIBLETT, John , KRAWIEC, Ted , COHEN, Albert , SHAHDOUSTI, Sam , VYAS, Naresh , MAST, Mike , KHILKEVICH, Simon , STOLAROV, Gene , KORYAKOVTSEVA, Irina , MARKARIAN, Grigor , DIMOND, Jeremy , KHARUL, Avinash , CHITNIS, Amit , VERNEKAR, Ravin , PAREKH, Dilip , BITTER, Mark , KHALILI, Farah , PETACH, Teresa , KOWALSKI, Chris , KARWA, Rajashree
IPC分类号： G06F9/44
CPC分类号： G06Q40/02
摘要： A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.
摘要翻译：通过单一物理和逻辑平台实现在线金融机构服务的方法和系统在一个环境中部署全球网络银行应用程序，其中应用程序是从单个来源基础构建的，并适应各种与不同区域相关联的业务规则和语言，国家和企业。根据上下文属性为每个单独的业务创建单独的Web应用程序，运行上下文相关Web应用程序的应用程序服务器提供客户和银行功能之间的接口。该平台部分依赖于适当组件的重用以实现集成，以及核心服务的共享。由于业务特定组件的独立性，每个业务可能需要不同版本的应用软件，并且可能会更新或实现新组件，而不会影响现有的业务组件。

59. 发明申请

WO2005079262A2 METHOD AND SYSTEM FOR CONDUCTING CUSTOMER NEEDS, STAFF DEVELOPMENT, AND PERSONA-BASED CUSTOMER ROUTING ANALYSIS 审中-公开
标题翻译：用于客户需求的方法和系统，员工发展和基于人员的客户路由分析
公开(公告)号：WO2005079262A2
公开(公告)日：2005-09-01
申请号：PCT/US2005/004179
申请日：2005-02-14
申请人： CITIBANK, N.A.
发明人： KOEPPEL, Harvey Richard
IPC分类号： G06Q30/00
CPC分类号： G06Q40/06 , G06Q30/02 , G06Q40/08
摘要： Computer-implemented methods and systems for conducting customer needs, staff development, or persona-based call routing analyses in which a recommendation engine receives baseline information regarding a current status and one or more objectives of a subject and generates assumed information about the subject based on a statistical evaluation of current status and objectives of a plurality of third parties having pre-determined characteristics in common with the subject. The recommendation engine determines a gap between the current status and objectives of the subject and generates and prioritizes a recommendation for one or more proposals for the subject based on the gap. Thereafter, the recommendation engine formulates one or more follow-up questions for the subject.
摘要翻译：用于执行客户需求，员工开发或基于角色的呼叫路由分析的计算机实现的方法和系统，其中推荐引擎接收关于当前状态和主体的一个或多个目标的基线信息，并基于对具有与被摄体共同的预定特征的多个第三方的当前状态和目标的统计评估。该推荐引擎确定当前状况与受试者的目标之间的差距，并基于差距生成并优先考虑针对主体的一个或多个提案的建议。此后，推荐引擎为主题制定一个或多个后续问题。

60. 发明申请

WO2004084029A2 METHOD AND SYSTEM OF TRANSACTION SECURITY 审中-公开
标题翻译：交易安全的方法和系统
公开(公告)号：WO2004084029A2
公开(公告)日：2004-09-30
申请号：PCT/US2004/007941
申请日：2004-03-15
申请人： CITIBANK, N.A.
发明人： SCHUTZER, Daniel
IPC分类号： G06F
CPC分类号： H04M3/382 , H04M3/205 , H04M3/493 , H04M2201/41
摘要： A method and system for secure authentication of a user in a session conducted over an interactive communication channel, such as a two-way telephony communication channel, with an authenticating entity, such as a financial institution, utilizes a session identifier, such as pseudorandom noise to detect and identify attempts to play back authentication information, such as user-spoken phrases, intercepted and recorded by an unauthorized party during a previous session between the user and the authenticating party.
摘要翻译：用于在通过诸如金融机构的认证实体的交互式通信信道（例如双向电话通信信道）上进行的会话中的用户的安全认证的方法和系统利用会话标识符，诸如伪随机噪声以检测和识别尝试在用户和认证方之间的先前会话期间回放由未授权方拦截和记录的认证信息，例如用户口头短语。

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