Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.

Abstract: Embodiments for targeting information to a website visitor are disclosed. One method includes collecting behavioral data of a plurality of users from a plurality of websites. The collected behavioral data is analyzed. For this embodiment, analyzing the collected behavior data includes clustering the collected behavioral data according to behavioral factors wherein collected behavioral data within each cluster include at least one common statistic, and collected behavioral data of different clusters have at least one differentiating statistic. Further, a server collects present user data while a present user is visiting a target website. The present user data is matched with at least one of the clusters of behavior factors based on a comparative analysis of the present user data with the clustered behavior factors.