Methods and systems for implementing on-line financial institution services via a single platform

US10636084B2 · kind B2 · utility

Assignee

• CITICORP CREDIT SERVICES, INC. (USA) · US

Inventors

• Michael Grandcolas · Santa Monica, US
• John Riblett · Culver City, US
• Ted Krawiec · Malibu, US
• Albert Cohen · Merrick, US
• Sam Shahdousti · Los Angeles, US
• Naresh Vyas · Redondo Beach, US
• Mike Mast · Oak Park, US
• Simon Khilkevich · San Fernando, US
• Gene Stolarov · San Fernando, US
• Irina Koryakovtseva · Marlboro, US
• Grigor Markarian · Agoura, US
• Jeremy Dimond · Bolingbrook, US
• Avinash Kharul · Santa Monica, US
• Amit Chitnis · Los Angeles, US
• Ravin Vernekar · Los Angeles, US
• Dilip Parekh · Los Angeles, US
• Mark Bitter · Los Angeles, US
• Farah Khalili · Beverly Hills, US
• Teresa A. Petach · Los Angeles, US
• Chris Kowalski · Culver City, US
• Rajashree Karwa · Los Angeles, US

Key dates

• Filing date: Oct 3, 2005
• Grant date: Apr 28, 2020
• Expiry date: Oct 31, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.