Alnoor B Mamdani

7200578, Apr 3, 2007

Nov 12, 1998

09/190727

Cris T. Paltenghe - Northridge CA, US
Alnoor B. Mamdani - Venice CA, US
Melvin M. Takata - Thousand Oaks CA, US
Gregory Lee Huddleston - Huntington Beach CA, US

Citicorp Development Center, Inc. - Los Angeles CA

G06F 17/60

705 74, 705 1, 705 14, 705 26

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. The system also provides for secure backup and storage, as well as for ubiquitous and nomadic access to information while maintaining the privacy of such information. A first data store includes static identification data about a user. A second data store includes moderately dynamic personal data about the user. A third data store includes dynamic demographic information data about the user. An electronic wallet can be used with the system to download selected portions of the data for use by the user. A method of use of the data includes using the data for billing out forms, providing services to the user and allowing merchants to selectively target users for sales while maintaining user anonymity.

20020004783, Jan 10, 2002

Nov 12, 1998

09/190993

CRIS T. PALTENGHE - NORTHRIDGE CA, US
ALNOOR B. MAMDANI - VENICE CA, US
CHARLES GOLVIN - LOS ANGELES CA, US
HENRY LICHSTEIN - SANTA MONICA CA, US
DAVID SOLO - NEW YORK NY, US
JACK PAN - ROWLAND HEIGHTS CA, US
MELVIN M. TAKATA - THOUSAND OAKS CA, US

G06F017/60

705/041000

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; and electronic artifacts. Methods and systems of the present invention include information and financial banking methods utilizing virtual wallets. A preferred virtual wallet comprises a locally residing portion and a server residing portion. An interface is provided for communication between the two portions of the wallet.

6970836, Nov 29, 2005

Apr 14, 1999

09/291294

Cris T. Paltenghe - Northridge CA, US
Alnoor B. Mamdani - Venice CA, US
Lisa Ezrol - New York NY, US
Charles Golvin - Los Angeles CA, US
Henry Lichstein - Santa Monica CA, US
Melvin Michio Takata - Thousand Oaks CA, US

Citicorp Development Center, Inc. - Los Angeles CA

G06F017/60

705 18, 705 17, 705 53, 380286

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 as a virtual wallet running at least in part on the server of a trusted third party and with a virtual executor function and a virtual archivist function. The virtual executor function automatically escrows a trusted third party's access aspect of the owner's secret device for accessing the stored data. Upon verification of the occurrence of the event, the virtual executor provides access to the stored data using the trusted third party's access aspect. The virtual archivist function automatically updates technologies related to the stored data.