IP Library › Granted Patent US 12,518,086
Granted Patent B1
US 12,518,086 · App. 19/015,269 · Granted Jan 6, 2026

Methods and systems for interactive data input

Inventors: Raul Aldrey (Irving, TX); Ahmar Mubeen (Irving, TX); Vinh Chu (Irving, TX); Rohit Yerneni (Irving, TX); Klesta Lamaj (New York, NY); Adhi N. Narashimmamoorthy (Irving, TX); Dale Bauer (Naperville, IL); Matthew Bills (Chicago, IL); Dante Diaz (Frisco, TX); Kristi M. Emery (Coppell, TX); David Hyser (Wilmette, IL); Michael Brandt (New York, NY)
Assignee: CITIBANK, N.A.
G06F40/174G06F3/0481G06F3/04812G06F3/04895G06F9/453G06F16/958H04L51/046H04L63/08
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Quick Facts
Patent No.
US 12,518,086
App. No.
19/015,269
Granted
Jan 6, 2026
Kind
B1
Abstract

Described herein are methods and systems to provide varying levels of access to a user according to a requested activity. A server receives, from a computing device operated by a user, a request to perform an activity; retrieves from the computing device, a unique identifier of the computing device and at least one operational attribute of the computing device. The server accesses a database to identify a temporary profile that matches the data retrieved from the computing device and the at least one operational attribute of the computing device to identify a communication identifier from the temporary profile. The server transmits a notification using the communication identifier to determine an authorization level of the user based on a response to the notification and the at least one operational attribute. When the requested activity is included within the authorization level, the server authorizes the computing device to perform the activity.

Claims (43)

1 . A method comprising:

receiving, by a server from a computing device operated by a user, a request to execute an activity associated with the user;

retrieving, by the server from the computing device, a unique identifier of the computing device and at least one operational attribute of the computing device;

accessing, by the server, a database to identify temporary profile that matches the unique identifier retrieved from the computing device and the at least one operational attribute of the computing device;

using the temporary profile and the unique identifier, identifying, by the server, a communication identifier;

transmitting, by the server, a notification using the communication identifier, the notification including one or more authentication criteria;

determining, by the server, an authorization level of the user based on a response to the notification and the at least one operational attribute; and

in response to the requested activity being included within the authorization level, authorizing, by the server, the computing device to execute the activity.

2 . The method of claim 1 , further comprises receiving, by the server from the computing device, a selection of the activity.

3 . The method of claim 1 , further comprising:

generating, by the server, a graphical user interface element for display by the computing device; and

displaying, by the server, the graphical user interface element on the computing device.

4 . The method of claim 3 , further comprises receiving, by the server from the computing device, an indication of an interaction between the user and the graphical user interface element on the computing device.

5 . The method of claim 1 , wherein the activity is at least one of a payment, a dispute, or a summary.

6 . The method of claim 1 , further comprising:

authenticating, by the server, a response to the notification by matching the response with the one or more authentication criteria; and

determining, by the server, that the response satisfies each of the one or more authentication criteria.

7 . The method of claim 1 , further comprises providing, by the server, access to the activity according to the authorization level.

8 . The method of claim 1 , further comprises registering, by the server, biometric authorization in response to authorization of the computing device to perform the activity.

9 . The method of claim 8 , further comprises assigning, by the server, an authorization level to each user according to the biometric authorization.

10 . The method of claim 1 , further comprises presenting, on a page hosted by a second server, a first graphical element embedded within the page, the first graphical element comprising a first conversation bubble shape and a text string corresponding to a first prompt of a set of prompts of an electronic form, the first graphical element having a first visual attribute that matches at least one visual attribute of the page containing the first conversation bubble and displayed on a computing device.

11 . A computer system comprising:

a server comprising one or more processors to:

receive, from a computing device operated by a user, a request to perform an activity;

retrieve from the computing device, a unique identifier of the computing device and at least one operational attribute of the computing device;

access a database to identify temporary profile that matches the unique identifier retrieved from the computing device and the at least one operational attribute of the computing device;

using the temporary profile and the unique identifier, identify a communication identifier;

transmit a notification using the communication identifier, the notification including one or more authentication criteria;

determine an authorization level of the user based on a response to the notification and the at least one operational attribute; and

in response to the requested activity being included within the authorization level, authorize the computing device to perform the activity.

12 . The system of claim 11 , the one or more processors to receive, from the computing device, a selection of the activity.

13 . The system of claim 11 , the one or more processors to:

generate a graphical user interface element for display by the computing device; and

display the graphical user interface element on the computing device.

14 . The system of claim 13 , the one or more processors to receive, from the computing device, an indication of an interaction between the user and the graphical user interface element on the computing device.

15 . The system of claim 11 , wherein the activity is at least one of a payment, a dispute, or a summary.

16 . The system of claim 11 , the one or more processors to:

authenticate a response to the notification by matching the response with the one or more authentication criteria; and

determine that the response satisfies each of the one or more authentication criteria.

17 . The system of claim 11 , the one or more processors to provide access to the activity according to the authorization level.

18 . The system of claim 11 , the one or more processors to register biometric authorization in response to authorization of the computing device to perform the activity.

19 . The system of claim 18 , the one or more processors to assign an authorization level to each user according to the biometric authorization.

20 . The system of claim 11 , the one or more processors to present, on a page hosted by a second server, a first graphical element embedded within the page, the first graphical element comprising a first conversation bubble shape and a text string corresponding to a first prompt of a set of prompts of an electronic form, the first graphical element having a first visual attribute that matches at least one visual attribute of the page containing the first conversation bubble and displayed on a computing device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 1, 2025
From: ALDREY, RAUL; MUBEEN, AHMAR; CHU, VINH; YERNENI, ROHIT; LAMAJ, KLESTA; NARASHIMMAMOORTHY, ADHI N.; BAUER, DALE; BILLS, MATTHEW; DIAZ, DANTE; EMERY, KRISTI M.; HYSER, DAVID; BRANDT, MICHAEL
To: CITIBANK, N.A.
Reel/Frame 071580/0154 →
Continuity (4)
Continuation In Part 18818461 · Aug 28, 2024
Continuation 18372403 · Sep 25, 2023
Continuation 17560065 · Dec 22, 2021
Continuation 16932051 · Jul 17, 2020
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