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Integrating two dissimilar systems is very hard -- how do you securely communicate information between them?
You send information about timeout period along with username and password info from FirstIB to CheckFree when a FirstIB customers clicks on Bill Pay link. Then, a script on CheckFree web site takes FirstIB info about timeout period and changes timeout period of CheckFree web site for particular customer. I do not see how this would make comminication between FirstIB and CheckFree web sites less secure.

A longer inactivity time means more chance for risk. Checkfree guarantees against unauthorized transactions.

I can come up with only one situation when the longer inactivity time means less security; it is when a customer logs into CheckFree web site from a public computer and does not log out after finishing online bill payment session. It is the customer, not CheckFree, responsibility to logout. It is the customer, not CheckFree, decision to make inactivity time long. If somebody takes advantage of such situation, why should CheckFree be responsible for the fraudulent activity?
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