Abstract: A system, apparatus, and method for resolving disputes arising from payment transactions. Such disputes may relate to the non-performance of an obligation agreed to by a party to a transaction, or the dispute may involve an allegation that a payment transaction was fraudulent, with a chargeback being requested. The invention may be used to resolve disputes arising from payment transactions that are processed by more than one payment processor, such as for a first payment transaction that was processed by a first payment processor and a second payment transaction that was processed by a second and different payment processor.

Abstract: A web server utility executes on a server and provides the following functions: determining when a web page profile also includes an assignment of additional content; dynamically retrieving the additional content; and generating the web page with the additional content either appended to, prepended to, or wholly replacing one or more sections of the baseline content. When the utility detects assignment of additional content, the utility checks a specific location within the filesystem for the additional content. When the additional content is not found at the specific location, the utility automatically checks the temporary directory (for static content) then the centralized administrative and/or content (CAC) server for the additional content. When the additional content is dynamic, the CAC server retrieves and executes the file at the CAC server to generate the dynamic content, which is transmitted back to the web server for rendering within or as the whole-page output.