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    SYSTEM AND METHOD FOR USE OF DISTRIBUTED ELECTRONIC WALLET
    1.
    发明专利
    SYSTEM AND METHOD FOR USE OF DISTRIBUTED ELECTRONIC WALLET 失效

    公开(公告)号：JP2001118007A

    公开(公告)日：2001-04-27

    申请号：JP2000247141

    申请日：2000-08-17

    Applicant: CITIBANK NA

    Inventor： SCHUTZER DANIEL

    IPC: G06Q30/00 ,  G06F17/60

    Abstract: PROBLEM TO BE SOLVED: To provide a method and a system in which two electronic wallets communicate and exchange information each other. SOLUTION: An Internet consumer is registered in a nonopen or desirable electronic wallet of a web store to provide consumer information for a store wallet, and the information is stored in the store wallet in a database on a store server. The consumer holds the latest consumer information in a consumer electronic wallet on a consumer's personal computer. If data in a wallet of the store are altered when the consumer visits a store site again and orders an article or service, the desirable wallet of the store can automatically be updated by the electronic wallet of the consumer. The consumer wallet investigates whether or not the information in the store wallet matches the latest information in the consumer wallet and transmits the latest consumer information to the store wallet when not.

    METHOD AND SYSTEM OF TRANSACTION SECURITY
    2.
    发明申请
    METHOD AND SYSTEM OF TRANSACTION SECURITY 审中-公开
    交易安全的方法和系统

    公开(公告)号：WO2004084029A3

    公开(公告)日：2006-04-27

    申请号：PCT/US2004007941

    申请日：2004-03-15

    Applicant: CITIBANK NA

    Inventor： SCHUTZER DANIEL

    IPC: G06F20060101 ,  H04L9/00 ,  H04M3/20 ,  H04M3/38 ,  H04M3/493 ,  G06F11/30

    CPC classification number: H04M3/382 ,  H04M3/205 ,  H04M3/493 ,  H04M2201/41

    Abstract: A method and system for secure authentication of a user in a session conducted over an interactive communication channel, such as a two-way telephony communication channel, with an authenticating entity, such as a financial institution, utilizes a session identifier, such as pseudorandom noise to detect and identify attempts to play back authentication information, such as user-spoken phrases, intercepted and recorded by an unauthorized party during a previous session between the user and the authenticating party.

    Abstract translation: 用于在通过诸如金融机构的认证实体的交互式通信信道（例如双向电话通信信道）上进行的会话中的用户的安全认证的方法和系统利用会话标识符，诸如伪随机噪声 以检测和识别尝试在用户和认证方之间的先前会话期间回放由未授权方拦截和记录的认证信息，例如用户口头短语。

    A method and system for bill presentment and payment
    4.
    发明专利
    A method and system for bill presentment and payment 未知

    公开(公告)号：AU742682B2

    公开(公告)日：2002-01-10

    申请号：AU9111798

    申请日：1998-08-26

    Applicant: CITIBANK NA

    Inventor： SCHUTZER DANIEL

    IPC: G06Q20/00 ,  G06Q30/00 ,  G06F17/60

    Abstract: A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data. The biller account automatically formats a bill for a consumer from the bill data. The bill file from which the bill is automatically formatted includes a bill template and bill content and may also include a temporary resource. A document server coupled to the bill service provider's server receives and automatically stores the formatted bill in a storage location. The formatted bill consists of an electronic mail message, and the storage location is an electronic mailbox. The stored bill is accessed and displayed by the consumer on a consumer terminal coupled to the document server. The consumer may pay the bill through a bill payment processor.

    Method and system of transaction card fraud mitigation utilizing location based services
    5.
    发明专利
    Method and system of transaction card fraud mitigation utilizing location based services 未知

    公开(公告)号：AU2003210859A8

    公开(公告)日：2003-09-02

    申请号：AU2003210859

    申请日：2003-02-06

    Applicant: CITIBANK NA

    Inventor： SCHUTZER DANIEL ,  SCHREIBER DAVID ,  CHOEY MARK

    IPC: G06Q20/04 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06F17/60

    Abstract: A method and system of transaction card fraud mitigation utilizes location based services provided by a card holder's wireless carrier for verification of whether or not a transaction with the card holder's transaction card is fraudulent. For example, when factors indicative of a likelihood of a fraudulent transaction with the card holder's transaction card are present, the card processing system requests the card holder's wireless carrier to return the location information of the card holder's mobile phone, which is typically on the person of the subscriber. When the location of the subscriber's mobile phone is returned and determined to be at or near the location from which the transaction is being attempted with the transaction card, the card processing system has a reasonable degree of confidence that the particular transaction is or is not fraudulent and allows the transaction to proceed. Otherwise, the transaction is denied.

    Method and system for payment over the internet
    7.
    发明专利
    Method and system for payment over the internet 未知

    公开(公告)号：AU8834301A

    公开(公告)日：2002-03-04

    申请号：AU8834301

    申请日：2001-08-22

    Applicant: CITIBANK NA

    Inventor： SCHUTZER DANIEL

    IPC: G06Q20/00 ,  G06Q40/00 ,  G06F17/60

    Abstract: A method and system for integrated payment services by a financial institution providing on-line payments, risk management, account information protection, escrow services, and payee holding accounts. The system involves payments via web site, email, Internet phone, and personal appliances, such as personal digital assistants (PDAs). The method and system empowers non-merchants with the capability of receiving integrated payment services over a communications network. Payments may be made directly from a payer's checking or credit card account, and the payer and payee may individually select the preferred manner of payment in terms of timeliness, guarantees, and fees.

    METHOD AND SYSTEM OF TRANSACTION CARD FRAUD MITIGATION UTILIZING LOCATION BASED SERVICES
    9.
    发明专利
    METHOD AND SYSTEM OF TRANSACTION CARD FRAUD MITIGATION UTILIZING LOCATION BASED SERVICES 未知

    公开(公告)号：AU2003210859A1

    公开(公告)日：2003-09-02

    申请号：AU2003210859

    申请日：2003-02-06

    Applicant: CITIBANK NA

    Inventor： CHOEY MARK ,  SCHUTZER DANIEL ,  SCHREIBER DAVID

    IPC: G06Q20/04 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40

    Abstract: A method and system of transaction card fraud mitigation utilizes location based services provided by a card holder's wireless carrier for verification of whether or not a transaction with the card holder's transaction card is fraudulent. For example, when factors indicative of a likelihood of a fraudulent transaction with the card holder's transaction card are present, the card processing system requests the card holder's wireless carrier to return the location information of the card holder's mobile phone, which is typically on the person of the subscriber. When the location of the subscriber's mobile phone is returned and determined to be at or near the location from which the transaction is being attempted with the transaction card, the card processing system has a reasonable degree of confidence that the particular transaction is or is not fraudulent and allows the transaction to proceed. Otherwise, the transaction is denied.

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