Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, one aspect of the invention is to provide an authentication system and security monitoring system to detect and prevent fraud. User usage patterns may also be identified and a user risk profile developed. In another embodiment, transactional amount limits may be updated based on the user risk profile. In addition, the user risk profile may be updated based on credit and debt information for the user.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, requests for international currency exchanges are processed in batch form. A currency accumulator may be used to keep track of currency exchange requests, where each currency is assigned a notional “bucket,” which is a symbolic representation of a database entry for the monetary amount which has been requested to be exchanged for a given currency. When the contents of a particular currency's “bucket” reaches a given level, the monetary amount in the bucket may be exchanged for an equivalent amount of a second currency.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, requests for international currency exchanges are processed in batch form. A currency accumulator may be used to keep track of currency exchange requests, where each currency is assigned a notional “bucket,” which is a symbolic representation of a database entry for the monetary amount which has been requested to be exchanged for a given currency. When the contents of a particular currency's “bucket” reaches a given level, the monetary amount in the bucket may be exchanged for an equivalent amount of a second currency.

Abstract: A device, system, and method are directed towards providing content over a network. A test definition is defined to include at least one group of visitors and/or a range associated with the group. The test definition is then received. A plurality of requests for a first content is received from the same browser. Each of the plurality of requests includes a previously generated value (PGV)/cookie. For each of the plurality of requests, a fast-hash is performed on the same PGV/cookie to generate an identifier (e.g., number). It is then determined whether to provide a second content instead of the first content based on whether the identifier is in the range associated with the at least one group of visitors. The determination may also be based on a URL filter, a browser type, operating system type, a time-range, or an argument-value pair. The first or second content is then provided.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer funds in a different currency to and from other user online accounts which may be in different countries. In another embodiment, a transfer request from a first user to transfer funds from a first online account to a second online account is processed, where the transfer request is made in a first currency. If accepted, the transfer request may be filled by depositing the requested funds in the second online account in a second currency.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer funds in a different currency to and from other user online accounts which may be in different countries. In another embodiment, a transfer request from a first user to transfer funds from a first online account to a second online account is processed, where the transfer request is made in a first currency. If accepted, the transfer request may be filled by depositing the requested funds in the second online account in a second currency.

Abstract: Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, requests for international currency exchanges are processed in batch form. A currency accumulator may be used to keep track of currency exchange requests, where each currency is assigned a notional “bucket,” which is a symbolic representation of a database entry for the monetary amount which has been requested to be exchanged for a given currency. When the contents of a particular currency's “bucket” reaches a given level, the monetary amount in the bucket may be exchanged for an equivalent amount of a second currency.