Abstract: Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction instrument. The owner provides information identifying the owner, the financial account, and the financial transaction instrument corresponding to the financial account to a computer, and also provides an owner-defined authorization limit on use of the financial transaction instrument to the computer. The authorization limit is stored in a database, which is accessed when there is a request to authorize a purchase to be made with the financial transaction instrument. The owner may communicate with the computer via a Web site, an automated call program, a kiosk, or the like.

Abstract: Process for reverse engineering a program application written in a legacy programming language (e.g., COBOL), where the program application was specifically designed using a markup language template so as to process documents in the markup language. The process involves extracting from the program application, line by line, content fragments of the original markup language template and reassembling them to obtain the original template.