Abstract: A transaction control system is capable of receiving both real-time transactions and non-real-time transactions. The control system processes the received transactions using a transaction controller, which is capable of processing both real-time transactions and non-real-time transactions. The control system is also capable of identifying a transaction type associated with the received transaction and assigning a priority to the received transaction. Real-time transactions may be assigned a higher priority than non-real-time transactions. The control system can also associate a Quality of Service (QOS) with each received transaction. The control system is capable of queuing a received transaction in a transaction queue if no agents are available to process the received transaction. A highest priority transaction is removed from the transaction queue when an agent becomes available to process a new transaction.

Abstract: A management system identifies an account holder and identifies multiple financial accounts associated with the account holder. The multiple financial accounts are associated with at least two different financial institutions. The multiple financial accounts are then authenticated. The management system aggregates financial transaction data associated with the multiple financial accounts and displays the aggregated financial transaction data.

Abstract: A system is provided that establishes communication between a first system and a second system. A request is received to establish a connection between the first system and the second system. The system establishes a first connection between the first system and the second system. The first connection is capable of communicating visual data between the first system and the second system. The system also establishes a second connection between the first system and the second system. The second connection is capable of communicating audible data between the first system and the second system. The first system and the second system communicate using both the first connection and the second connection. The first connection can include a network communication link such as an Internet communication link. The second connection may include a telephone communication link capable of communicating telephony signals between the first system and the second system.

Abstract: A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.

Abstract: Data is captured from a web site or other data source. Data is extracted from the web page using a data harvesting script or other data acquisition routine. The extracted data is then normalized and stored in a database. If data cannot be extracted from the web page, a copy of the captured web page is stored without personal information contained in the web page. The data harvesting script is then edited based on an analysis of the captured web page.

Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.

Abstract: A system is described for generating an agent script. The system determines a web page being viewed by an information requester when a request for information was initiated. An agent script is generated on the web page being viewed by the information requester when the request for information was initiated. Additionally, the agent script may be generated based on an identity associated with the information requester, a history of web pages viewed by the information requester, or the identity of an agent handling the request for information. The system is also capable of displaying multiple information identifiers, based on various factors, such as the identity of the information requester, the web page viewed by the information requester, or the history of web pages viewed by the information requester.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: Methods and apparatus for enabling collaboration with web pages and other resources is described. A method includes the step of establishing a collaboration session between a first client and a second client. A requested resource is cached with the session host in response to a request having a first uniform resource locator (URL) issued by the first client, if the requested resource is a pre-determined type of resource. A second URL is provided to the second client. The second URL identifies the requested resource or the cached resource in accordance with whether the requested resource is cached. Apparatus for enabling collaboration includes a web server, a cache, and a filter. The web server provides a requested web page in response to a first client's request. The filter stores the requested web page in the cache, if the requested web page is a pre-determined type of web page. A number of pre-determined characteristics for caching are described in various embodiments of the methods and apparatus.

Abstract: Methods and apparatus for enabling collaboration with web pages and other resources is described. A method includes the step of establishing a collaboration session between a first client and a second client. A requested resource is cached with the session host in response to a request having a first uniform resource locator (URL) issued by the first client, if the requested resource is a pre-determined type of resource. A second URL is provided to the second client. The second URL identifies the requested resource or the cached resource in accordance with whether the requested resource is cached. Apparatus for enabling collaboration includes a web server, a cache, and a filter. The web server provides a requested web page in response to a first client's request. The filter stores the requested web page in the cache, if the requested web page is a pre-determined type of web page. A number of pre-determined characteristics for caching are described in various embodiments of the methods and apparatus.

Abstract: Methods and apparatus for enabling collaboration between clients with respect to dynamic resources are described. The method includes the step of establishing a collaboration session between a first client and a second client through a session host. A first client request having a first uniform resource locator (URL) identifying a host other than the session host is re-directed through the session host. In one embodiment, the retrieved resource is modified such that for each embedded request identifying a host other than the session host, its associated embedded URL is replaced with a re-directed URL incorporating the embedded URL. The re-directed URL re-directs the corresponding request for a resource identified by the embedded URL through the session host. In an alternative embodiment, the retrieved resource is not modified. In either embodiment, the resulting resource is cached if necessary (e.g., when the resource is dynamic).

Abstract: A system is described for monitoring information access. The system provides an access monitoring application to an information accessing system. The access monitoring application monitors information accessed by the information accessing system. Data is received from the information accessing system which identifies the information accessed by the information accessing system. The information accessing system may use a web browser application to access information stored in web pages and the access monitoring application may monitor web pages accessed by the web browser application. The system terminates the monitoring of information access if the information accessing system stops accessing information.

Abstract: A system is provided for indicating a status of a transmission across a communication link. The system determines the status of the transmission across the communication link based on information received from a transmission destination. A first visual indicator representing the transmission status is displayed if the transmission is incomplete. A second visual indicator representing the transmission status is displayed if the transmission is complete. If the transmission status is incomplete, the system continues to determine the status of the transmission until the transmission is complete. A third visual indicator representing the transmission status is displayed if the communication link is congested. The visual indicators may be displayed proximate a transmission source or displayed to a transmission initiator. The system transmits instructions to the transmission destination, which cause the transmission destination to generate the transmission status.

Abstract: A system is described for generating an agent script. The system determines a web page being viewed by an information requester when a request for information was initiated. An agent script is generated on the web page being viewed by the information requester when the request for information was initiated. Additionally, the agent script may be generated based on an identity associated with the information requester, a history of web pages viewed by the information requester, or the identity of an agent handling the request for information. The system is also capable of displaying multiple information identifiers, based on various factors, such as the identity of the information requester, the web page viewed by the information requester, or the history of web pages viewed by the information requester.