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It absolutely does not make sense to create two systems instead of one.

As long as companies contract out portions of their website and not the whole thing, there will be two systems. Integrating two dissimilar systems is very hard -- how do you securely communicate information between them?

CheckFree should give customers freedom to set-up inactivity time up-to 60 min like Digital Insight does.
A longer inactivity time means more chance for risk. Checkfree guarantees against unauthorized transactions. The longer the inactivity allowed, the greater chance that a miscreant will be able to game the system and suck money out of Checkfree. They've decided the balance between customer convenience and risk minimization is 15 minutes.
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