Citicorp Development Center, Inc.

Citicorp Credit Services, Inc. (usa)

Citicorp Credit Services, Inc.

Irina Koryakovtseva

Michael L Grandcolas

Teresa A Petach

Grigor Markarian

Albert E Cohen

Dilip Parekh

Sam Shahdousti

Jennifer Vos

John Riblett

Simon Khilkevich

Rajashree Karwa

Avinash Kharul

Robert A Herrig

Jeremy Dimond

Amit Chitnis

Mike Mast

Ravin Vernekar

Naresh Vyas

Mark Bitter

Farah Khalili

Ted Krawiec

Gene Stolarov

Chris Kowalski

Michael Grandcolas

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 computer-implemented method and system for secure user authentication in electronic commerce involves maintaining electronic information having a first aspect that is accessible over a first electronic communication channel in response to entry of a first credential known to the user and a second aspect that is accessible by the user over the first electronic communication channel in response to entry of a second credential provided to the user at a pre-registered delivery address on a second electronic communication channel. The second credential is provided to the user via the second electronic communication channel in response to entry of a pre-determined user selection during a current session of user access to the first aspect if no change has occurred in the pre-registered delivery address within a pre-determined period of time, and the user is allowed a session of access to the second aspect in response to entry of the second credential either during the current session of user access to the first aspect or during a succeeding session of user access to the first aspect.

Methods and systems for secure user authentication

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Marlboro, NJ, United States of America

Irina Koryakovtseva