Abstract: A method, a system, an apparatus, and a computer program product are presented for a fragment caching methodology. After a message is received at a computing device, a fragment in the message body is cached. Cache ID rules from an origin server accompany a fragment to describe a method for forming a unique cache ID for the fragment such that dynamic content can be cached away from an origin server. A cache ID may be based on a URI and/or query parameters and/or cookies that are associated with a fragment. After user authentication, a cookie containing the user's role may be used in subsequent requests for role-specific fragments and in the cache identifier for role-specific fragments, thereby allowing requests from other users for role-specific fragments to be resolved in the cache when the users have the same role because these users would also have the same cookie.

Abstract: A method, apparatus and computer program product is provided for creating and implementing a pattern solution by specifying one or more patterns and creating a pattern solution recipe which documents guidance related to use, organization and interconnection the patterns. The pattern solution recipe permits substitution of one or more specified pattern with a substitute pattern. The pattern solution is transformed (creating a pattern solution implementation) by implementing each pattern as a parameterizable computer accessible object. These parameters provide a point of customization. The pattern solution recipe is implemented as another computer accessible object providing further refined guidance on the use of the implemented pattern solutions. Pattern solutions knit many patterns together using the pattern solution recipe.

Abstract: Methods and apparatus for authoring and executing an individualized language business rule. In one embodiment, a method comprises creating at least one individualized language resource, creating at least one individualized language rule referencing at least one of said individualized language resource, and transforming said at least one individualized language rule into computer executable format.

Abstract: A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authorization function from the merchant to the issuer. This enables an issuer to independently choose alternate authentication mechanisms without changing the acquirer gateway. It also results in a significant reduction in complexity, thereby improving the ease of implementation and overall performance.

Abstract: A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authorization function from the merchant to the issuer. This enables an issuer to independently choose alternate authentication mechanisms without changing the acquirer gateway. It also results in a significant reduction in complexity, thereby improving the ease of implementation and overall performance.