Citicorp Development Center, Inc.

Citicorp Credit Services, Inc. (usa)

Citicorp Credit Services, Inc.

Jennifer Vos

Peter Tompkins

Arun Ahuja

Michael L Grandcolas

Irina Koryakovtseva

Robert A Herrig

Michael Grandcolas

The present invention relates to a method for conducting transactions, such as standard banking transactions, using a wireless device, such as a cellular telephone, personal digital assistant, and other web-enabled wireless devices utilizing software downloaded to the wireless device. The software provides a user with interface screens on the display of the wireless device for facilitating information requests to a service provider having access to at least one account of the user.

Method and system for conducting financial transaction and non-financial transactions using a wireless device

Method and system for conducting financial and non-financial transactions using a wireless device

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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Glen Head, NY, United States of America

Jennifer Vos