CITIBANK N.A. Patent applications |
Patent application number | Title | Published |
20150178828 | MULTI-BANK ASSET PARTICIPATION STRUCTURE - A method and system comprising: receiving, by a master program administrator server from a first asset purchasing entity server, a first asset purchasing entity portfolio report on a periodic basis and from a second asset purchasing entity server, a second asset purchasing entity portfolio report on a periodic basis. Transmitting, by the master program administrator server to a program asset administrator server, the first asset purchasing entity portfolio report and the second asset purchasing entity portfolio report, and a central funding entity collection report based on payment collection from the first asset purchasing entity server and the second asset purchasing entity server. Receiving, by the master program administrator server from the program asset administrator server, an analysis report based and transmitting an action item based on the analysis report. | 06-25-2015 |
20140245419 | Methods and Systems for Accessing Account Information Electronically - Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time. | 08-28-2014 |
20140200909 | METHODS AND SYSTEMS FOR ELECTRONICALLY MANAGING HEALTHCARE EXPENSES AND PAYMENTS - Methods and systems for electronically managing healthcare expenses and payments involve, for example, receiving information from a health plan processor consisting at least in part of an adjudicated balance owed by a user to a healthcare provider, optionally receiving an adjustment of the adjudicated balance from the healthcare provider, and presenting the adjudicated balance and the optional adjustment, if any, to the user. Thereafter, a payment of the user for the adjudicated balance, as optionally adjusted, may be received, and the user's payment, or information therefor, for the adjudicated balance, as optionally adjusted, may be sent to the healthcare provider. | 07-17-2014 |
20140143152 | METHODS AND SYSTEMS USING CONTACTLESS CARD - It is desirable to implement security features that can prevent the unauthorized use of a customer's sensitive account information from an RFID sticker. The methods and systems described herein attempt to resolve the deficiencies with the conventional RFID stickers. In a more secure implementation, a financial institution allows a customer to activate or deactivate the account for use with the RFID sticker by submitting a request to the financial institution using internet banking, mobile banking, SMS texting, or other communications method. | 05-22-2014 |
20130254000 | Methods and Systems for Customer Incentive Awards - Methods and systems for generating customer incentive awards involve receiving, using a processor coupled to memory, information regarding a balance of a deposit account, such as a savings account, of at least one customer for determination of an award amount related to a loan account of the customer. Using the processor, the award amount may be computed based on at least in part on the balance of the deposit account and at least in part on an interest rate of the loan account of the customer. Thereafter, likewise using the processor, the award amount may be applied to an account designated by the customer, such as a mortgage loan account of the customer. | 09-26-2013 |
20130103612 | Method and System for Using a Bayesian Belief Network to Ensure Data Integrity - The present invention relates to a method and system for assessing the risks and/or exposures associated with financial transactions using various statistical and probabilistic techniques. Specifically, the present invention relates to a method and system for identifying plausible sources of error in data used as input to financial risk assessment systems using Bayesian belief networks as a normative diagnostic tool to model relationships between and among inputs/outputs of the risk assessment system and other external factors. | 04-25-2013 |
20130041817 | Methods and Systems for Activating an Electronic Payments Infrastructure - Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts. | 02-14-2013 |
20130041767 | Methods and Systems for Communicating Information from a Smart Point-of-Sale Terminal - Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor. | 02-14-2013 |
20130041746 | Methods and Systems of Electronic Messaging - Methods and systems of electronic messaging for verification and/or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant. | 02-14-2013 |
20120059761 | Transfer Instrument - A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card. | 03-08-2012 |
20110296522 | Systems and Methods for Providing Security Token Authentication - Described herein are systems and methods for centralizing and standardizing implementation of security tokens so as to provide one token per one user for accessing business applications across an enterprise, providing scalability to support authentication of as many enterprise users as desired or needed, and providing a standardized token management interface that supports both pre-binding and post-binding user registration processes and different types of security token. | 12-01-2011 |
20100166085 | LIN NETWORK, INTEGRATED CIRCUIT AND METHOD THEREFOR - A LIN network comprises a transmit driver for communicating on a single communication bus. A slope control module is operably coupled to a supply voltage and arranged to identify a voltage transition, and in response thereto and via control of the transmit driver selectively apply one of: a first voltage transition mode comprising a constant DV/DT slope transition, or a second voltage transition mode comprising a fixed time transition. | 07-01-2010 |
20090301867 | INTEGRATED SYSTEM FOR SEMICONDUCTOR SUBSTRATE PROCESSING USING LIQUID PHASE METAL DEPOSITION - A system for processing a semiconductor substrate during fabrication of semiconductor devices provides a plurality of semiconductor substrate processing stations in a physically integrated system, as well as a semiconductor substrate transport system for transporting a semiconductor substrate between the respective processing stations. In particular, the processing system according to the present invention favors the use of liquid phase process steps, particularly deposition process steps, instead of gas or vapor phase processing. Even more particularly, the system contemplates deposition of a metallic barrier layer | 12-10-2009 |
20090198926 | METHOD AND DEVICE FOR SWITCHING DATA - A method, the method includes providing data; retrieving interleaving command information from a two dimensional array of interleaving command information; wherein the two dimensional array includes multiple interleaving command information rows, each row includes interleaving commands associated with multiple TDM time slots; and determining, in response to the retrieved interleaving command information, whether to provide data from a first data source or from a second data source. | 08-06-2009 |
20090125647 | Device And Method For Executing A DMA Task - A method for executing a DMA task, the method includes receiving a request to execute a DMA task; the method characterized by including: defining inter-buffer jumping points at substantially an end of one or more dimensions of each multidimensional buffer out of a plurality of multidimensional buffers; and executing multiple DMA sub-tasks, wherein the executing includes jumping between buffers at the inter-buffer jumping points. A device hat includes at least one memory unit and a DMA controller adapted to access the memory unit; the device is characterized by being adapted to implement multidimensional buffers within the at least one memory unit; wherein the DMA controller is adapted to execute multiple DMA sub-tasks, wherein the execution comprises jumping between buffers at inter-buffer jumping points; and wherein the inter-buffer jumping points are defined at substantially an end of one or more dimensions of each multidimensional buffer out of a plurality of multidimensional buffers. | 05-14-2009 |
20090106487 | Electronic Device Having a Memory Element and Method of Operation Therefor - An electronic device comprises a processing unit operably coupled to a buffer random access memory, in turn operably coupled to a non-volatile memory configured to emulate an electrically erasable programmable read only memory. The processing unit is arranged to transfer data between the buffer RAM and the non-volatile memory at a first clock frequency. A second RAM is operably coupled between the processing unit and the non-volatile memory and the processing unit sets a Tag bit in the second RAM to identify an address in the buffer RAM that is being written to or read from by the processing unit. | 04-23-2009 |
20090103489 | Arrangement and Method for Dual Mode Operation in a Communication System Terminal - An arrangement and method for discontinuous software FDD monitoring during TDD call allows removal of a conventional external notch filter in a dual mode WCDMA and PCS/DCS handset. The WCDMA RX frame is allowed to have a few slots corrupted by the PCS/DCS transmitter noise during DCS transmission, and a scheme is used to recover the required information by not considering the corrupted slots. Due to the fact that during WCDMA FDD RX monitoring, the processing required is performed in stages, and since the information that is measured during a WCDMA frame is repeated in every frame, the scheme of the invention is based on the idea that if a given slot is corrupted in a WCDMA frame, in the next WCDMA frame the slot will be no more corrupted due to the difference in timing between the PCS/DCS transmitter protocol and the WCDMA timing protocol. | 04-23-2009 |