1
Pan Jack C, Guzman Marc A, Boyd Nik, Smushkovich Yosif, Pinn Fred: Method and system for managing applications for a multi-function smartcard. Citicorp Dev Center, October 13, 1999: EP0949595-A2 (154 worldwide citation)

A method and system for managing applications for a multi-function smartcard makes use of a resident master application and one or more monitor applications installed on the smartcard microcomputer to authorize downloading of new applications to the smartcard and to manage applications on the smartc ...


2
Kawan Joseph C, Takata Melvin, Hanover Coleman: System and method for automated electronic scrip transactions. Citicorp Dev Center, November 24, 1999: EP0959440-A2 (152 worldwide citation)

A system and method for performing and settling an electronic scrip transaction between a merchant and a member includes a database storing accounts for one or more participating merchants, scrip distributors, sponsoring organizations, and members. The system also includes merchant terminals, scrip ...


3
Slater Alan, Sears Michael L, Rin Rin Hsu Phoebe, Do D Cuong, Mcsharry H Patrick, Dudasik Edward M R, Gryte Stephen M, Brooks Robert O Bob: System and method for image depositing, image presentment and deposit taking in a commercial environment. Citibank Na, Citicorp Dev Center, March 8, 2000: EP0984410-A1 (145 worldwide citation)

A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, rese ...


4
Paltenghe Cris T, Takata Melvin Michio, Mamdani Alnoor Bahdur, Huddleston Gregory Lee: Distributed network based electronic wallet. Citicorp Dev Center, May 19, 1999: EP0917119-A2 (111 worldwide citation)

A system, in which information is the primary asset and in which investments may be made in information, includes multiple data stores for storing different types of a user's information. The safe, secure and properly authorized transfer of information while preserving individual privacy is provided ...


5
Kawan Joseph C: A method and system for tracking smart card loyalty points. Citicorp Dev Center, August 4, 1999: EP0933717-A2 (104 worldwide citation)

A method and system for tracking and redeeming smart card loyalty points includes storing loyalty program information related to transactions with at least one merchant in a loyalty register residing on a smart card microcomputer (6) for the customer. Transaction information about transactions with ...


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Shinn Philip C: System and method of biometric smart card user authentication. Citicorp Dev Center, November 17, 1999: EP0956818-A1 (96 worldwide citation)

A system and method for authenticating a smart card user (54) at a reader device (64) makes use of an application (58) on a smart card microprocessor (60) on which information fields (56) relating to biometric information for the user and a table of predefined probability of occurrence values for us ...


8
Kawan Joseph C: Method and system of contactless interfacing for smart card banking. Citicorp Dev Center, August 4, 1999: EP0933733-A2 (40 worldwide citation)

A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and th ...


9
Kawan Joseph C: Method and system for tracking smart card loyalty point. Citicorp Dev Center, January 14, 2000: JP2000-011109 (40 worldwide citation)

PROBLEM TO BE SOLVED: To enable a store located at a distant place to easily set up a store loyalty program by automatically discriminating transaction information concerning one transaction with a store, omitted from stored loyalty program information, and automatically updating the information at ...


10
Kogen Mark, Munoz Ramiro M: System and method for point of use reward determination. Citicorp Dev Center, September 27, 2000: EP1039403-A2 (35 worldwide citation)

A system and method that allows a group of organizations, e.g. a group of transit agencies, to provide their users with a stored value smart card payment method that rewards them for actual use. The system and method include a card interface device and a smart card for storing respective reward appl ...