Abstract: Rather than downloading each content document on demand from the publisher location to the user site, at the publisher location, each content document is encrypted and then multiple encrypted documents are assembled into a distribution archive that is itself encrypted with a scheduled key. The distribution archive is then downloaded into a content server at the user site. When the content server receives the distribution archive, it decrypts the archive file and unpacks the encrypted documents. The scheduled key used to decrypt an archive file is included with an archive file that was sent previously to the user site in accordance with the subscription service. The scheduled key to decrypt the first archive file sent to the user is sent from the publisher to the user over a communication channel different from the communication channel used to send the archive file from the publisher to the user.

Abstract: Rather than downloading each content document on demand from the publisher location to the user site, at the publisher location, each content document is encrypted and then multiple encrypted documents are assembled into a distribution archive that is itself encrypted with a scheduled key. The distribution archive is then downloaded into a content server at the user site. When the content server receives the distribution archive, it decrypts the archive file and unpacks the encrypted documents. The scheduled key used to decrypt an archive file is included with an archive file that was sent previously to the user site in accordance with the subscription service. The scheduled key to decrypt the first archive file sent to the user is sent from the publisher to the user over a communication channel different from the communication channel used to send the archive file from the publisher to the user.

Abstract: Rather than downloading each content document on demand from the publisher location to the user site, at the publisher location, each content document is encrypted and then multiple encrypted documents are assembled into a distribution archive that is itself encrypted with a scheduled key. The distribution archive is then downloaded into a content server at the user site. When the content server receives the distribution archive, it decrypts the archive file and unpacks the encrypted documents. The scheduled key used to decrypt an archive file is included with an archive file that was sent previously to the user site in accordance with the subscription service. The scheduled key to decrypt the first archive file sent to the user is sent from the publisher to the user over a communication channel different from the communication channel used to send the archive file from the publisher to the user.

Abstract: A secure distribution system utilizes a content viewer that consists of an applet that is downloaded to a user's conventional browser when the user logs into a publisher's server. The content viewer requests a selected document from the server by referring to the document name or URL. The server retrieves the document and forwards it to the viewer in encrypted form. The viewer then computes a document identifier from the encrypted document and uses the identifier to request a key in order to decrypt the document. The key is forwarded from the server to the viewer that then decrypts the document and displays it in the viewer. Since the document is processed by the viewer and displayed only in a window associated with the viewer, none of the conventional browser functions has to be disabled. Further, since the document is downloaded in encrypted form, it cannot be stored or forwarded using the conventional browser.

Abstract: Rather than downloading each content document on demand from the publisher location to the user site, at the publisher location, each content document is encrypted and then multiple encrypted documents are assembled into a distribution archive that is itself encrypted with a scheduled key. The distribution archive is then downloaded into a content server at the user site. When the content server receives the distribution archive, it decrypts the archive file and unpacks the encrypted documents. The scheduled key used to decrypt an archive file is included with an archive file that was sent previously to the user site in accordance with the subscription service. The scheduled key to decrypt the first archive file sent to the user is sent from the publisher to the user over a communication channel different from the communication channel used to send the archive file from the publisher to the user.

Abstract: Rather than downloading each content document on demand from the publisher location to the user site, at the publisher location, each content document is encrypted and then multiple encrypted documents are assembled into a distribution archive that is itself encrypted with a scheduled key. The distribution archive is then downloaded into a content server at the user site. When the content server receives the distribution archive, it decrypts the archive file and unpacks the encrypted documents. The scheduled key used to decrypt an archive file is included with an archive file that was sent previously to the user site in accordance with the subscription service. The scheduled key to decrypt the first archive file sent to the user is sent from the publisher to the user over a communication channel different from the communication channel used to send the archive file from the publisher to the user.

Abstract: A system and method for evaluating an offer which has been made in relation to certain delinquent accounts is disclosed. A historical database of sorts is maintained on accounts which were previously characterized as delinquent. Payment history information is also retained on each of these historical delinquent accounts. These historical delinquent accounts are scored, and thereafter placed into a plurality of groups, with the high and low scores of these groups defining an associated score cluster or range of scores. A liquidation profile is established for each portion of the historical delinquent accounts defined by the application of the noted score clusters thereto (i.e., each collection of delinquent accounts defined by a particular score cluster has its own liquidation profile). Liquidation profiles are representative of how historical delinquent accounts defined by a particular score cluster recovered over time (i.e.