Citicorp Development Center, Inc.

Citigroup Credit Services, Inc. (usa)

Ramadurai Vaidyanathan

Grigor Markarian

Arun Ahuja

Anand Tata

Peter Tompkins

Joe Pan

Albert E Cohen

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

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.

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Thousand Oaks, CA, United States of America

Ramadurai Vaidyanathan