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Golvin Charles, Katis Thomas: Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies. Citibank Na, October 13, 1999: EP0949596-A2 (137 worldwide citation)

A method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies. The method and system simultaneously enable electronic value exchange and denomination conversion. In an electronic exchange, the method and system determine the ...


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Platenghe Cris T, Mamdani Alnoor B, Ezrol Lisa, Golvin Charles, Lichstein Henry, Takata Micho Melvin: System and method for securely storing electronic data. Citicorp Dev Center, October 20, 1999: EP0950972-A2 (15 worldwide citation)

A system and method for securely storing data provides for storing, managing, and updating an owner's secret data and for accessing the stored data by a trusted third party upon the occurrence of an event, such as the death of the owner. The system and method makes use of application software, such ...


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Kawan Joseph C, Chu Ronald King Hang, Golvin Charles, Tompkins Peter: Method and system for controlling certificate based open payment transactions. Citicorp Dev Ct, December 20, 2000: EP1061484-A2 (7 worldwide citation)

Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provi ...


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Paltenghe Cris T, Mamdani Alnor B, Ezrol Lisa, Golvin Charles, Henry Rikusuten, Takata Melvin Michio: System and method for safely storing electronic data. Citicorp Dev Center, September 14, 2000: JP2000-251006 (2 worldwide citation)

PROBLEM TO BE SOLVED: To prepare access to stored data for the third person of a trustee in the occurrence of an event such as the death of an owner by storing, managing and updating the secret data of the owner. SOLUTION: This system uses the application software of a virtual wallet 6 which is exec ...


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Golvin Charles, Katis Thomas: Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies. Citibank Na, February 18, 2000: JP2000-048108 (1 worldwide citation)

PROBLEM TO BE SOLVED: To execute the exchange and settlement of an electronic value through the use of heterogeneous currencies by heterogeneous paying schemes by judging a protocol used at both ends of transaction, judging the paying scheme and currency to be used at each terminal by it, and execut ...


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Paltenghe Cris T, Mamdani Alnoor B, Golvin Charles, Lichstein Henry, Solo David, Pan Jack, Takata Melvin M: Virtual wallet system. Citicorp Development Center, Paltenghe Cris T, Mamdani Alnoor B, Golvin Charles, Lichstein Henry, Solo David, Pan Jack, Takata Melvin M, MARCOU George T, May 20, 1999: WO/1999/024892

The present invention provides apparatus, methods and systems for information and financial banking. Apparatus of the present invention include virtual wallets which allow for information and financial banking including payment mechanisms; identity authentication mechanisms; personal information; an ...


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Paltenghe Cris T, Mamdani Alnoor B, Golvin Charles, Henry Christin, David Solo, Jack Pan, Melvin M Takata: Virtual wallet system. Citicorp Dev Center, August 27, 1999: JP1999-232348

PROBLEM TO BE SOLVED: To obtain a device for storing information and money by providing the device with an interface between a locally resident wallet part and a wallet part residing in an external server. SOLUTION: A virtual wallet system is provided with a hybrid between a wallet 2 kept by an owne ...