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1. 发明申请

WO2005001631A2 SYSTEM AND METHOD FOR ANALYZING MARKETING EFFORTS 审中-公开
标题翻译：用于分析营销努力的系统和方法
公开(公告)号：WO2005001631A2
公开(公告)日：2005-01-06
申请号：PCT/US2004/018444
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： G06F
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.
摘要翻译：本发明涉及用于使用卡交易数据评估广告和营销计划的原因和效果的方法和系统。在一个实施例中，访问被提供给大量持卡人交易数据，详细描述每个顾客的准确到一分钱交易量，二十四小时活跃顾客和多年交易历史。此外，这些数据是实时捕获的，并且由于样本规模的原因，可以为当地客户和商户提供覆盖范围内的详细，统计上显着的信息。

2. 发明申请

WO1998036526A1 CYCLOTOMIC POLYNOMIAL CONSTRUCTION OF DISCRETE LOGARITHM CRYPTOSYSTEMS OVER FINITE FIELDS 审中-公开
标题翻译：有限域上的离散对称结构的循环多项式构造
公开(公告)号：WO1998036526A1
公开(公告)日：1998-08-20
申请号：PCT/US1997017304
申请日：1997-09-26
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , LENSTRA, Arjen, K.
IPC分类号： H04L09/30
CPC分类号： H04L9/3013 , H04L9/3252
摘要： Cyclotomic polynomials are used to construct subgroups of multiplicative groups of finite fields that allow very efficient implementation of discrete logarithm based public key cryptosystems, including public key encryption schemes and digital signature schemes. A field is represented with an optimal normal basis, and a generator of a subgroup of the multiplicative group of the field is used to form a public key.
摘要翻译：循环多项式用于构建有限域的乘法群的子群，其允许非常有效地实现基于离散对数的公钥密码系统，包括公钥加密方案和数字签名方案。以最佳的正常基础表示一个字段，并且使用该字段的乘法组的子组的生成器来形成公共密钥。

3. 发明申请

WO1998004992A2 PROCESS FACILITY MANAGEMENT MATRIX AND SYSTEM AND METHOD FOR PERFORMING BATCH PROCESSING IN AN ON-LINE ENVIRONMENT 审中-公开
标题翻译：在线环境中执行批处理的过程设施管理矩阵和系统及方法
公开(公告)号：WO1998004992A2
公开(公告)日：1998-02-05
申请号：PCT/US1997012914
申请日：1997-07-25
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , HUTCHINGS, Thomas, A.
IPC分类号： G06K00/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/102 , G06Q20/1085 , G06Q20/202 , G06Q20/204 , G06Q40/025
摘要： A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal computer. The batch payment data is converted into individual transaction data for on-line processing and is sent to a temporary payment queue. A transaction mover places the data from the queue to a transaction queue and a transaction router subsequently assigns the transactions to available drivers. Each driver processes the payment data and makes appropriate account information updates to a set of master files. A transaction handler coordinates the control of the transaction mover as well as the control of the transaction router. The system operates in conjunction with on-line operations, such as customer service and other mortgage services, and has a transaction handler monitor which controls the speed of processing so that on-line operations can continue during the processing of the payment data. Since the updates to the master files to reflect the received payment data occur during normal operating hours and not at the end of the day, delays in updating account information can be significantly reduced. The speed control offered by the handler monitor enable the system and method to balance the processing of the received batch data with normal CICS activity.
摘要翻译：处理系统和方法从诸如锁定盒，ATM或客户激活终端，增强型电话，银行柜员或个人计算机的多个不同的源接收批量支付数据。批量支付数据被转换为单独的交易数据用于在线处理，并被发送到临时支付队列。事务移动器将数据从队列放置到事务队列，事务路由器随后将事务分配给可用的驱动程序。每个驱动程序处理支付数据，并对一组主文件进行适当的帐户信息更新。事务处理程序协调事务移动器的控制以及事务路由器的控制。该系统与在线操作（例如客户服务和其他抵押服务）一起运行，并且具有控制处理速度的事务处理程序监视器，以便在处理支付数据期间在线操作可以继续。由于主文件的更新以反映接收到的支付数据，所以在正常运行时间而不是在一天结束时，可以显着减少更新帐户信息的延迟。处理程序监视器提供的速度控制使得系统和方法可以将收到的批处理数据的处理与正常的CICS活动进行平衡。

4. 发明申请

WO1997041498A2 AN IMPROVED METHOD AND SYSTEM FOR PERFORMING BANKING TRANSACTIONS, INCLUDING HOME BANKING 审中-公开
标题翻译：实施银行交易的改进方法和系统，包括家庭银行
公开(公告)号：WO1997041498A2
公开(公告)日：1997-11-06
申请号：PCT/US1997006245
申请日：1997-04-18
申请人： CITIBANK, N.A. , ANTHONY, Wendell, W. , HUANG, Jundar , NGUYEN, Truc , DOSHI, Ashwin , MOSS, Leslie , WILLIAMS, Michael , THOMPSON, David , LAW, Hock , EICHENSEER, Donald , SAUSSY, Stephen, Edward , DO, Khanh , LUONG, Binh
发明人： CITIBANK, N.A.
IPC分类号： G06F00/00
CPC分类号： H04L63/0428 , G07F19/20 , G07F19/201 , H04L63/0853 , H04L67/42 , H04L69/04
摘要： The Home Services Delivery System will provide multi-function financial services to a user accessible through a Personal Computer System. The Home Services Delivery System is based on a Client-Server architecture and is designed to run under the Microsoft Windows environment. The Home Services Delivery System Client (Client) is a software program provided to the user that runs on the user's PC and accesses a Home Services Delivery System Server via a dial-up line. The Client supports local functions such as installation and configuration, and once on-line, displays screens sent from the Home Services Delivery System Server that handles user input to those screens. The Client infrastructure software provides the basic functions needed to connect to the Server, provides information to authenticate the user, and maintains the connection until the user concludes it. The Client infrastructure software also provides basic help screens on how to configure the software. The Client Software incorporates a Graphical User Interface, which provides a user-friendly method of interaction with the System for the user at their personal computer. This interface allows for the design of a global "look and feel" for consistency of interaction between the user and the underlying Systems, either through the use of this invention at home or through other Systems such as a "customer activated terminal" (CAT) or ATM at a kiosk or bank branch. This global "look and feel" can also provide consistency of interaction when a user travels to other countries and accesses the System. The System can be configured by users for use with a preferred language during the installation and configuration of the Client Software. In subsequent sessions, the user will interface with the System using that preferred language. A Home Services Delivery System Server is the collection of one or more computers that connects Home Services Delivery System Clients to the business host and to other external service providers. The Home Services Delivery System Server executes both infrastructure as well as business or region-specific application software on SUN systems hardware. The Server supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption. Security is instituted at the hardware level. Services provided include Account Information, Transfer, Customer Service, Payment, Payee List, Direct Debit, Mutual Funds, and transfers of funds between different accounts. The Server configuration allows for subsequent addition of applications to the System as they are developed for future expansion to support new functions.
摘要翻译：家庭服务交付系统将为通过个人计算机系统访问的用户提供多功能金融服务。家庭服务交付系统基于客户端 - 服务器架构，旨在在Microsoft Windows环境下运行。家庭服务交付系统客户机（客户端）是向用户运行的用户提供的软件程序，并通过拨号线访问家庭服务交付系统服务器。客户端支持本地功能，如安装和配置，一旦在线，显示从家庭服务交付系统服务器发送的屏幕，用于将用户输入处理到这些屏幕。客户端基础架构软件提供连接到服务器所需的基本功能，提供用于验证用户的信息，并维护连接，直到用户得出结论。客户端基础架构软件还提供了有关如何配置软件的基本帮助屏幕。客户端软件包含图形用户界面，它为个人计算机上的用户提供了一种用户友好的与系统交互的方法。该界面允许通过在家中或通过其他系统（例如“客户激活终端”（CAT））使用本发明来设计全局“外观和感觉”，用于用户和底层系统之间的交互的一致性，或ATM在信息亭或银行分行。当用户前往其他国家访问系统时，这种全球“外观”也可以提供交互的一致性。在安装和配置客户端软件期间，系统可以由用户配置为使用首选语言。在随后的会话中，用户将使用该首选语言与系统进行接口。家庭服务交付系统服务器是将家庭服务交付系统客户端连接到业务主机和其他外部服务提供商的一台或多台计算机的集合。家庭服务交付系统服务器在SUN系统硬件上执行基础设施以及业务或区域特定应用软件。服务器支持加密密钥下载，个人识别码（PIN）解密和PIN加密。安全性是在硬件层面上建立的。提供的服务包括帐户信息，转账，客户服务，付款，收款人列表，直接付款，共同基金和不同账户之间的资金转移。服务器配置允许随后将应用程序添加到系统，因为它们被开发用于将来扩展以支持新功能。

5. 发明申请

WO1997029445A1 INVOICE PURCHASE ORDER SYSTEM 审中-公开
标题翻译：发票采购订单系统
公开(公告)号：WO1997029445A1
公开(公告)日：1997-08-14
申请号：PCT/US1997001415
申请日：1997-02-07
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , GREEN, Theresa, M , BUGG, Robert , QUINN, Michael, F.
IPC分类号： G06F17/60
CPC分类号： G06Q30/06 , G06Q20/102 , G06Q40/02
摘要： A system and method for tracking and reconciling a plurality of purchase orders between a customer (100) and a manufacturer and a payment between a financial institution and a beneficiary pursuant to a letter of credit corresponding to the plurality of purchase orders. The system includes a receiving means (102) for receving data from the customer (100), a storing means (110) for storing the data and a processing means (116) for processing the data.
摘要翻译：一种用于跟踪和调节客户（100）和制造商之间的多个采购订单以及金融机构与受益人之间的支付的系统和方法，该信用单依照与多个采购订单对应的信用证。该系统包括用于从客户（100）接收数据的接收装置（102），用于存储数据的存储装置（110）和用于处理数据的处理装置（116）。

6. 发明申请

WO1997007468A1 ELECTRONIC DOCUMENT AND DATA STORAGE AND RETRIEVAL SYSTEM 审中-公开
标题翻译：电子文件和数据存储和检索系统
公开(公告)号：WO1997007468A1
公开(公告)日：1997-02-27
申请号：PCT/US1996013191
申请日：1996-08-14
申请人： CITIBANK, N.A.
发明人： CITIBANK, N.A. , QUINN, Michael, F. , MCGINLAY, James , KADRON, Roman
IPC分类号： G06F17/30
CPC分类号： H04N1/2179 , G06Q40/04 , H04N1/32101 , H04N2201/3225 , H04N2201/3226 , H04N2201/3266
摘要： An information management system for storing and retrieving related documents (134), messages, and customer inquiries as electronic images in a secured environment. The system is centrally maintained and provides for integration and accessing of information from multiple remote offices. Input paper-based documents are scanned, indexed, and reviewed by preprocessing (158). Information is linked together by transaction into folders (170), and each document is assigned to a Trade Service Representative (174). Transaction folders (170) include all physical input and output associated with each transaction, such as electronic messages, mail, inquiry history records, system user messages, and inbound facsimile messages. The system maintains an internal unique key identifier for each transaction folder (170) and each related document. Document work flow can be monitored for backlog and assigned work levels.
摘要翻译：一种用于在安全环境中存储和检索相关文档（134），消息和客户查询作为电子图像的信息管理系统。该系统集中维护，并提供从多个远程办公室集成和访问信息。通过预处理扫描，索引和审查输入的纸质文档（158）。信息通过交易链接到文件夹（170）中，并且每个文档被分配给贸易服务代表（174）。交易文件夹（170）包括与每个交易相关联的所有物理输入和输出，例如电子消息，邮件，查询历史记录，系统用户消息和入站传真消息。系统维护每个事务文件夹（170）和每个相关文档的内部唯一密钥标识符。文档工作流程可以被监视积压和分配的工作级别。

7. 发明申请

WO1996041315A1 TRUSTED AGENTS FOR OPEN DISTRIBUTION OF ELECTRONIC MONEY 审中-公开
标题翻译：用于电子货币开放分销的信用代理
公开(公告)号：WO1996041315A1
公开(公告)日：1996-12-19
申请号：PCT/US1996002569
申请日：1996-03-11
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： G06Q20/12 , G06Q20/06 , G06Q20/10 , G06Q20/105
摘要： A system for the open distribution of electronic money is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that established a first cryptographically secure session with the customer trusted agent and associated with a second money module. Where the money modules establish a second cryptographically secure session. The customer trusted agent provides electronic money purchase or sale information and an account credential to the merchant trusted agent, and the merchant trusted agent provides a receipt ticket to the customer trusted agent. The merchant trusted agent accesses an authorization network and initiates an authorization process using information from the electronic money purchase or sale information and the account credential. Upon receiving authorization, the merchant trusted agent initiates a transfer of electronic money from the second money module to the first money module in the case of a purchase, or initiates a transfer of electronic money from the first money module to the second money module in the case of a sale.
摘要翻译：提供了一种用于电子货币的开放分配的系统，其具有与第一货币模块相关联的客户信任代理，与客户信任代理建立第一密码安全会话并与第二货币模块相关联的商家信任代理。货币模块建立第二个密码安全会话的地方。客户信任代理向商家信任代理提供电子货币购买或销售信息和帐户凭证，并且商家信任代理向客户信任代理提供收据单。商家信任代理访问授权网络并使用来自电子货币购买或销售信息和帐户凭证的信息来启动授权过程。在获得授权的情况下，商家信任代理在购买的情况下启动从第二货币模块向第一货币模组转移电子货币，或者在第一货币模组中将电子货币从第一货币模块转移到第二货币模组销售案例

8. 发明申请

WO2023064120A1 SYSTEMS AND METHODS FOR SEAMLESSLY PROCESSING TRANSACTIONS USING DISTRIBUTED LEDGER TECHNOLOGY IN A LEGACY SYSTEM INFRASTRUCTURE 审中-公开
公开(公告)号：WO2023064120A1
公开(公告)日：2023-04-20
申请号：PCT/US2022/045324
申请日：2022-09-30
申请人： CITIBANK, N.A.
发明人： AGRAWAL, Aseem , CHHABRA, Chirdeep Singh , CHABANE, Karim Abdelkader
IPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/06 , G06Q20/40 , G06F21/60 , G06Q20/10 , G06Q20/22 , G06Q20/32 , G06Q20/34 , G06Q20/38 , G06Q40/02 , G06Q40/06
摘要： A computer-implemented method for seamlessly processing transactions using distributed ledger technology. The method may comprise: linking one or more conventional accounts hosted in a conventional banking infrastructure to one or more DLT-based client accounts hosted on a distributed ledger, wherein the DLT application comprises a routing address configured to be used in conventional transaction infrastructure using conventional communication protocols; storing one or more wallet identifications for the one or more DLT-based client accounts and a mapping of the one or more wallet identifications to the one or more conventional accounts hosted in the conventional banking infrastructure; exchanging a sequence of messages to execute an asset transfer and complete a transaction lifecycle, the sequence of messages based on the first asset type; updating the distributed ledger based on the asset transfer; and sending appropriate messages to clients.

9. 发明申请

WO2021211554A1 ACCOUNT PROGRAM SYSTEMS AND METHODS 审中-公开
公开(公告)号：WO2021211554A1
公开(公告)日：2021-10-21
申请号：PCT/US2021/027047
申请日：2021-04-13
申请人： CITIBANK, N.A.
发明人： REILLY, Sandra , AKPINAR, Tim
IPC分类号： G06Q50/20
摘要： Disclosed are systems and methods that efficiently and reliably allows school district(s) and municipalities as well as third parties provide incentives to students' accounts, and those incentive awards can be converted to funds for additional education expenses. In one aspect, the method includes reconciling a plurality of transactions transferring funds to a student account from a municipal account upon a corresponding student accomplishing at least one of a plurality of goals. The goals are each based upon completion of an action stored in a municipal database. The method includes, upon reconciling the transactions, determining that a remaining amount in the municipal account is less than a predetermined threshold and automatically generating and transmitting an alert message to a dashboard user interface of the municipal account for display on a municipal workstation comprising an indicator that the remaining amount in the municipal account is less than the predetermined threshold.

10. 发明申请

WO2015099870A1 QUANTITATIVE ASSESSMENT OF BEHAVIOR IN FINANCIAL ENTITIES AND TRANSACTIONS 审中-公开
标题翻译：金融实体和交易行为的定量评估
公开(公告)号：WO2015099870A1
公开(公告)日：2015-07-02
申请号：PCT/US2014/061459
申请日：2014-10-21
申请人： CITIBANK, N.A.
发明人： HUERTA, Juan , NING, Yulin , MULE, Leandro, Dalle
IPC分类号： G06F17/30 , G06Q10/04 , G06Q30/02
CPC分类号： G06Q40/00
摘要： Methods and apparatus for assessing behavior, such as fraud and risk, in financial entities and transactions involve, for example, receiving, using a processing engine computer having a processor coupled to memory, data related to a plurality of entities. The plurality of entities is segmented into a plurality of entity peer groups based at least in part on a plurality of behavior components identified for each entity in the received data. For each entity, a behavior norm is created based on the entity history and its relationship to its corresponding peer group. All of the behavior components for each of the entities are normalized, and aggregated and a behavior score generated for each entity based on a continuous comparison of behavior values of each entity to a behavior norm for the entity peer group into which the entity is segmented. Based on new data received from time -to-time, this apparatus dynamically adapts the plurality of entities which may be re-segmented, the behavior components may be re-normalized, and a new behavior score may be generated for each entity.
摘要翻译：用于评估金融实体和交易中的行为（例如欺诈和风险）的方法和装置涉及例如使用具有耦合到存储器的处理器的处理引擎计算机来接收与多个实体相关的数据。所述多个实体至少部分地基于为所接收的数据中的每个实体标识的多个行为组件而被分割成多个实体对等体组。对于每个实体，基于实体历史及其与其相应对等体组的关系创建行为规范。每个实体的所有行为组件被归一化和聚合，并且基于每个实体的行为值的连续比较与实体对其进行分段的实体对等体组的行为规范，为每个实体生成行为评分。基于从时间上接收到的新数据，该装置动态地适配可以重新分段的多个实体，行为组件可以被重新归一化，并且可以为每个实体生成新的行为评分。

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