Citicorp Development Center, Inc.

Citicorp Credit Services, Inc. (usa)

Citigroup Credit Services, Inc. (usa)

Grigor Markarian

Albert E Cohen

Michael L Grandcolas

Arun Ahuja

Ramadurai Vaidyanathan

Anand Tata

Leslie C Moss

Nik Boyd

James Cook

James Zeanah

Charles Abbott

Bonnie Lindsley

Peter Tompkins

Joe Pan

Sikun Lan

Sikhun Lan

Teresa A Petach

Dilip Parekh

Sam Shahdousti

Irina Koryakovtseva

John Riblett

Simon Khilkevich

Chris Kowalski

Rajashree Karwa

Naresh Vyas

Jeremy Dimond

Avinash Kharul

Mike Mast

Amit Chitnis

Ravin Vernekar

Mark Bitter

Ted Krawiec

Gene Stolarov

Farah Khalili

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.

Methods and systems for implementing on-line financial institution services via a single platform

A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification ('ID'), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service ('SMS') messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.

Method and system for notifying customers of transaction opportunities

A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.

Delivering financial services to remote devices

Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.

Method and system for conducting commerce over a wireless communication network

A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service ('SMS'), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.

Delivery of financial services to remote devices

A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, and screen phones. In addition to providing services to these remote devices, the system and method provide services to automatic teller machines (ATMs), external service providers, and internally within the financial institution to staff terminals and to the individual branches of the financial institution. The delivery of financial services is not limited to any particular network but rather may be provided through dial-in access, Internet access, on-line service provider access, or other types of delivery networks. The system is comprised of a set of reusable global components which are modular and are organized into services sets. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby substantially reducing the development and maintenance cycle time. The system and method operate in sessions and, for instance, employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer. The system and method provide state-of-the art interfaces with interface components and support legacy applications with legacy app bridge components.

System and method for delivering financial services

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Agoura, CA, United States of America

Grigor Markarian