Abstract: Methods to detect and hamper or thwart noncompliant access to online data examine access patterns, history and statistical records, and which may send no, incorrect or nonsense data if data harvesting is detected.

Abstract: Access or utilization data of multiple products and services that are offered to customers on a “right-to-use” basis is analyzed to allocate revenues generated by the products fairly among them, for purposes such as business planning, performance measurement and account service.

Abstract: Users of a subscription product or service are ranked according to the value they receive from the service (computed as the ratio between worth received and cost). Users with similar value ranks are identified as likely to experience similar relationship events. This identification is acted upon by scheduling a workflow (e.g., a sales call or special price offer) designed to encourage or discourage the similar relationship event from occurring with the identified users. Value-ranked users can also be used to understand the effectiveness of marketing and lead-development activities, and to help plan and allocate advertising budgets to achieve particular customer characteristics.

Abstract: Information that is useful to distinguish between two or more computer devices (a “device fingerprint”) is collected and stored in a database with corresponding state-management tokens such as HTTP cookies. The database is searched for a fingerprint, and if the fingerprint is found, the corresponding stored token is delivered to a computer device for the device's use in making subsequent requests for resources or services.

Abstract: Methods to detect and hamper or thwart noncompliant access to online data examine access patterns, history and statistical records, and which may send no, incorrect or nonsense data if data harvesting is detected.

Abstract: In association with a computer system, a method and system for providing an interface for establishing connections with financial institution to utilize on-line services. An application program sends a request to a branding server to look up information related to a particular financial institution. The branding server executes the request and, if the branding server contains information relating to the method of connection with identified financial institution, the branding server sends the information to the application program. The application program then loads an appropriate driver corresponding to the method of connection as determined by the branding server. If the method of connection is open financial connectivity (OFC), then the application loads a flexible driver (the OFC driver) which causes the application program to request the business rules of the particular financial institution from the financial institution's server.

Abstract: An improved method of importing a bank file from a financial institution's computer to an application program without user intervention. A local program obtains a bank file from the financial institution's server. A second file based on the bank file is created by the server associated with the financial institution. The local program writes the second file to the disk of the local storage medium and then invokes a "Shell.sub.-- Execute" API from the operating system. The application program automatically, without user intervention, transfers the file directly from the local storage medium into the application program. The local program may be a web browser. The bank file that is displayed to the user via the web site may include a button on the user's screen that is a link on the bank's server that points to the file. If the user selects the button associated with the link, the web browser automatically invokes the "Shell.sub.

Abstract: In association with a computer system, a method and system for storing and locating information pertaining to a particular financial institution that supports on-line services. Information relating to each financial institution is stored as a separate file on the server. The files on the server are organized in a file structure that includes subdirectories identified by the routing in transit number (RTN) or bank identification number (BIN) of the financial institution. The files relating to each financial institution and the subdirectories on the server are identified by the financial institution's (RTN) or BIN. A file is requested by sending a universal resource locator (URL) to the server. The URL identifies the server and also identifies a file path to the file stored on the server based on the RTN or BIN. The file is located on the server and downloaded to the client computer, where an application program extracts information regarding on-line services of the financial institution.