Grigor A Markarian

US Patent:

7249344, Jul 24, 2007

Filed:

Jun 1, 1999

Appl. No.:

09/323210

Inventors:

James Zeanah - Thousand Oaks CA, US
Charles Abbott - Santa Monica CA, US
Nik Boyd - Los Angeles CA, US
Albert Cohen - Los Angeles CA, US
James Cook - Manhattan Beach CA, US
Michael Grandcolas - Santa Monica CA, US
Sikhun Lan - Los Angeles CA, US
Bonnie Lindsley - Santa Clarita CA, US
Grigor Markarian - Agoura CA, US
Leslie Moss - Los Angeles CA, US

Assignee:

Citicorp Development Center, Inc. - Los Angeles CA

International Classification:

G06F 9/44

US Classification:

717100, 717102, 717108, 717117, 717118, 705 35

Abstract:

A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.

US Patent:

8032453, Oct 4, 2011

Filed:

Apr 3, 2006

Appl. No.:

11/395162

Inventors:

Arun Ahuja - Thousand Oaks CA, US
Ramadurai Vaidyanathan - Thousand Oaks CA, US
Anand Tata - Redondo Beach CA, US
Grigor Markarian - Agoura CA, US
Joe Pan - Rowland Heights CA, US
Peter Tompkins - Malibu CA, US

International Classification:

G06Q 40/00

US Classification:

705 39, 705 64, 235379, 37911414

Abstract:

A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e. g. , e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.

US Patent:

8145566, Mar 27, 2012

Filed:

Dec 22, 2010

Appl. No.:

12/976548

Inventors:

Arun Ahuja - Thousand Oaks CA, US
Ramadurai Vaidyanathan - Thousand Oaks CA, US
Anand Tata - Redondo Beach CA, US
Grigor Markarian - Agoura CA, US
Joe Pan - Rowland Heights CA, US
Peter Tompkins - Malibu CA, US

Assignee:

Citicorp Development Center, Inc. - Los Angeles CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 64, 235379, 37911414

Abstract:

A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e. g. , e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.

US Patent:

8346677, Jan 1, 2013

Filed:

Dec 28, 2001

Appl. No.:

10/028718

Inventors:

Grigor Markarian - Agoura CA, US
Ramadurai Vaidyanathan - Thousand Oaks CA, US
Arun Ahuja - Thousand Oaks CA, US
Albert Cohen - Encino CA, US
Anand Tata - Moorpark CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 30/00
G06Q 40/00
G05B 19/00

US Classification:

705346, 705 261, 705 40, 705 39, 340 541, 340 55

Abstract:

Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.

US Patent:

8346678, Jan 1, 2013

Filed:

Oct 28, 2010

Appl. No.:

12/913941

Inventors:

Grigor Markarian - Agoura CA, US
Ramadurai Vaidyanathan - Thousand Oaks CA, US
Arun Ahuja - Thousand Oaks CA, US
Albert Cohen - Encino CA, US
Anand Tata - Moorpark CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 30/00
G06Q 40/00
G05B 19/00

US Classification:

705346, 705 261, 705 40, 705 39, 340 541, 340 55

Abstract:

Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.

US Patent:

8543982, Sep 24, 2013

Filed:

Jun 22, 2007

Appl. No.:

11/812945

Inventors:

James Zeanah - Thousand Oaks CA, US
Charles Abbott - Santa Monica CA, US
Nik Boyd - Los Angeles CA, US
Albert Cohen - Los Angeles CA, US
James Cook - Manhattan Beach CA, US
Michael Grandcolas - Santa Monica CA, US
Sikun Lan - Los Angeles CA, US
Bonnie Lindsley - Santa Clarita CA, US
Grigor Markarian - Agoura CA, US
Leslie Moss - Los Angeles CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06F 9/44
G06Q 40/00

US Classification:

717125, 705 35

Abstract:

A financial institution can provide financial services to a plurality of remote devices, such as personal computers, personal data assistants, screen phones, automatic teller machines, external service providers, and internally to staff terminals and individual branches. By separating the components of the system into independent components, the system and method can be developed and tested on a component level rather than the entire system level, thereby reducing the development and maintenance cycle time. The system and method operate in sessions and can employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer.

US Patent:

20010056402, Dec 27, 2001

Filed:

Jan 16, 2001

Appl. No.:

09/759259

Inventors:

Arun Ahuja - Thousand Oaks CA, US
Peter Tompkins - Malibu CA, US
Alan Young - New Canaan CT, US
Grigor Markarian - Agoura CA, US
Ram Vaidyanathan - Thousand Oaks CA, US
Anand Tata - Moorpark CA, US
Joe Pan - Rowland Heights CA, US

International Classification:

G06F017/60

US Classification:

705/043000

Abstract:

The present invention relates to a system and method for accessing financial information or conducting financial transactions and, more particularly, to an improved system and method for accessing financial information or conducting financial transactions using wireless communications devices, such as cellular telephones, personal digital assistants, and other web-enabled wireless devices.

US Patent:

20020013711, Jan 31, 2002

Filed:

Apr 12, 2001

Appl. No.:

09/832863

Inventors:

Arun Ahuja - Thousand Oaks CA, US
Ramadurai Vaidyanathan - Thousand Oaks CA, US
Anand Tata - Moorpark CA, US
Grigor Markarian - Agoura CA, US
Joe Pan - Rowland Heights CA, US
Peter Tompkins - Malibu CA, US

International Classification:

G06F017/60

US Classification:

705/001000

Abstract:

A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification (“ID”), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service (“SMS”) messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.