Abstract: An application analysis computer obtains reports from user terminals identifying operational states of instances of an application being processed by the user terminals. Sequences of the operational states that the instances of the application have transitioned through while being processed by the user terminals are identified. Common operational states that occur in a plurality of the sequences are identified. For each of the common operational states, a frequency of occurrence of the common operational state is determined. For each state transition between the common operational states in the sequences, a frequency of occurrence of the state transition is determined. State predictive metrics are generated based on the frequencies of occurrence of the common operational states and the frequencies of occurrence of the state transitions. The state predictive metrics are communicated, such as to an application server to control access to the application by user terminals.

Abstract: Methods for securing financial transactions using dynamic PINs without requiring updates to existing banking cards or existing infrastructure at acquiring institutions. The use of a dynamic PIN may be selectively enabled for a subset of banking cards or for a particular banking card when circumstances require use of the dynamic PIN. A dynamic PIN may be required for performing a financial transaction, such as making an online purchase, if an account associated with a banking card has a particular credit limit greater than a threshold or if a suspicious transaction history has been detected (e.g., large out-of-state purchases have recently been made). A dynamic PIN may be required based on a time of day or location associated with the financial transaction (e.g., if the financial transaction is being initiated within a particular foreign country).

Abstract: An application analysis computer obtains reports from user terminals identifying operational states of instances of an application being processed by the user terminals. Sequences of the operational states that the instances of the application have transitioned through while being processed by the user terminals are identified. Common operational states that occur in a plurality of the sequences are identified. For each of the common operational states, a frequency of occurrence of the common operational state is determined. For each state transition between the common operational states in the sequences, a frequency of occurrence of the state transition is determined. State predictive metrics are generated based on the frequencies of occurrence of the common operational states and the frequencies of occurrence of the state transitions. The state predictive metrics are communicated, such as to an application server to control access to the application by user terminals.

Abstract: A system aggregates data packets communicated between one or more sessions on a source system and one or more sessions on a target system by: collecting one or more session packets from the one or more source system sessions; multiplexing the session data packets into an aggregated packet; sending the aggregated packet from the source system to the target system; and demultiplexing each aggregated packet into corresponding session packets for delivery to the sessions on the target system.