One Step Update and Account Update Issue

Posted by pfanelli on February 1, 2009, 7:42 am

Please log in for more thread options

Hi Everyone:

Configuration: Win Home Deluxe 32 bit
Quicken for Win - Premier 2009

I've been having great success with this software. However recently, as I
performed my routein One Step Update, there was an error (CC-800) with one
of my credit card accounts. I thought, hopefully it will correct itself in
the next couple of days. Well, unfortunately it hasn't corrected itself.
It's been this way for about 2 weeks +.

I read through the help files and came upon a procedure where you disable
online capability for the offending acount - then re-establish it. I could
disable - but the software would not let me reactivate. I contacted the
bank (Capital One) - we confirmed that I was using the right ID and password
and they washed their hands of me. I ran through the process again - no
joy. In doing research I'm finding that Capital One is really Web Connect
and not Direct Connect. Not sure exactly everything this means - but with
logic it tells me that if they changed their web logic at all - it could
trip Quicken's process to collect the data.

Since I had a current back-up - I restored that. I then started a chat
session with Quicken. The short story is that we could get the download to
work from their web page into Quicken - but still, One Step Update would not
update the account (this process took better than an hour).

Can anyone help me with this? One Step Update is such a convenienc when it
works - I don't want to loose it. In fact, all of my other accounts (about
6) still update properly with One Step Update.

Many thanks for your help, Patrick

Posted by Han on February 1, 2009, 8:24 am

Please log in for more thread options

> I ran through the process again - no

> joy. In doing research I'm finding that Capital One is really Web

> Connect and not Direct Connect. Not sure exactly everything this

> means - but with logic it tells me that if they changed their web

> logic at all - it could trip Quicken's process to collect the data.

I ma be wrong, but I think that there are problems with Web Connect (WC)
through One Step Update OSU. What really happens if you do WC from their
webpage instead of OSU?

Sorry, but sinceI'm from Holland, I always think of WC as water closet, or
toilet. Sorry again ...

--
Best regards
Han
email address is invalid

Posted by pfanelli on February 2, 2009, 8:54 am

Please log in for more thread options

Yes, I'm able to connect through the bank's website and download a range of
dates. I was just hoping that I could get OSU to work again with this
website because it's so convenient. Thanks.

>> I ran through the process again - no

>> joy. In doing research I'm finding that Capital One is really Web

>> Connect and not Direct Connect. Not sure exactly everything this

>> means - but with logic it tells me that if they changed their web

>> logic at all - it could trip Quicken's process to collect the data.

> I ma be wrong, but I think that there are problems with Web Connect (WC)

> through One Step Update OSU. What really happens if you do WC from their

> webpage instead of OSU?

> Sorry, but sinceI'm from Holland, I always think of WC as water closet, or

> toilet. Sorry again ...

> --

> Best regards

> Han

> email address is invalid

Posted by John Pollard on February 2, 2009, 11:07 am

Please log in for more thread options

pfanelli wrote:

> Hi Everyone:

> Configuration: Win Home Deluxe 32 bit

> Quicken for Win - Premier 2009

> I've been having great success with this software. However recently,

> as I performed my routein One Step Update, there was an error

> (CC-800) with one of my credit card accounts. I thought, hopefully

> it will correct itself in the next couple of days. Well,

> unfortunately it hasn't corrected itself. It's been this way for

> about 2 weeks +.

> I read through the help files and came upon a procedure where you

> disable online capability for the offending acount - then

> re-establish it. I could disable - but the software would not let me

> reactivate. I contacted the bank (Capital One) - we confirmed that I

> was using the right ID and password and they washed their hands of

> me. I ran through the process again - no joy.

> In doing research I'm

> finding that Capital One is really Web Connect and not Direct

> Connect. Not sure exactly everything this means - but with logic it

> tells me that if they changed their web logic at all - it could trip

> Quicken's process to collect the data.

Here's my take; sorry, I don't think this will help you get your One Step
Update working, just my attempt at a possible explanation for what you're
experiencing.

Web Connect downloads were, for years, downloads that required the user to
manually log on to the financial institution's web site to initiate the
download (and maybe to manually move from account to account at the web site
... initiating a download from each account).

Quicken's recently added capability to download a Web Connect account using
One Step Update, is called "Express Web Connect". Basically it uses a
computer program to pretend to be a user logging on to the financial
institution's web site, and take whatever action the user would have to
take, to download to Quicken ... I think this is called "screen scraping" in
the jargon.

In the old - less "secure" - days, logging on to the fi's web site was a
fairly simple affair that rarely changed ... and if it had stayed simple and
unchanging, I think most Express Web Connect downloads would work fairly
seemlessly.

But fi's are becoming more security conscious and implementing more complex
log on processes, and double checking to see if the pc that's logging on is
the pc that's permitted to logon. The more complex log on processes are
known as Multi Factor Authentication (MFA) and they're pretty much designed
to stop the very sort of thing that Express Web Connect is trying to do:
allow a computer program to pretend to be a user logging on.

I think there can be two types of problems with Express Web Connect and the
increased security.

One problem can occur, as you note, when the financial institution changes
their logon procedure ... then the screen scraper has to change what it
does. I think that requires communication between the fi and whoever is
operating the screen scraper - Intuit in this case. If that communication
doesn't occur, or takes a long time to occur, users may not be able to use
Express Web Connect at the account for some time. I'm guessing that fi's
can easily forget to tell Intuit when these type of changes occur.

A second problem is worse: there are forms of MFA which a computer program
can't overcome. The one I'm thinking of is where the web site pops up a
randomly selected sort of "picture" of some numbers and/or letters and asks
the user to key in what they see. A computer program can't "read" that
display, and since its content is different for every log on attempt, its
content can't be built into the screen scraper. It should prevent any
screen scraper from successfully logging on. [I think PayPal offers one of
those security measures as an option.]

There may be less onerous forms of the second problem: like the "security"
questions you get asked if you log on from an unrecognized pc. I think
these can also cause problems for Express Web Connect ... and I'm not sure
how EWC avoids getting asked those questions, as I think the normal way for
the fi to tell that it's "your" pc is by placing a cookie on your pc ...
don't know how EWC deals with that.

Anyway: if your problem is some sort of miscommunication between your fi and
Intuit about how to log on (which I suspect is the most common cause of EWC
difficulties), you may be able to log on once they have exchanged the
required information: I can't tell you how to find out if that is the
problem, or, if it is, what's being done about it ... though I'd probably
start with the financial institution.

On the other hand, there probably can be other reasons why you are having
your problem. I do seem to recall Capital One's name appearing in some
posts in the Quicken forums as having problems downloading; but I don't
remember what the problems were nor do I recall if there were any
"solutions" posted for the problems.

Posted by pfanelli on February 2, 2009, 5:00 pm

Please log in for more thread options

Hi John,

Thank you for this reply. This is very helpful information. Although I
still have the problem - at least I understand the funcationality, or
intended functionality better.

I may step over to the Quicken forum and have a look.

I'm now wondering if there are any Quicken Win 2009 folks that visit here
who are having download problems with Capital One Visa credit card accounts?

Thanks,
Patrick

> pfanelli wrote:

>> Hi Everyone:

>> Configuration: Win Home Deluxe 32 bit

>> Quicken for Win - Premier 2009

>> I've been having great success with this software. However recently,

>> as I performed my routein One Step Update, there was an error

>> (CC-800) with one of my credit card accounts. I thought, hopefully

>> it will correct itself in the next couple of days. Well,

>> unfortunately it hasn't corrected itself. It's been this way for

>> about 2 weeks +.

>> I read through the help files and came upon a procedure where you

>> disable online capability for the offending acount - then

>> re-establish it. I could disable - but the software would not let me

>> reactivate. I contacted the bank (Capital One) - we confirmed that I

>> was using the right ID and password and they washed their hands of

>> me. I ran through the process again - no joy.

>> In doing research I'm

>> finding that Capital One is really Web Connect and not Direct

>> Connect. Not sure exactly everything this means - but with logic it

>> tells me that if they changed their web logic at all - it could trip

>> Quicken's process to collect the data.

> Here's my take; sorry, I don't think this will help you get your One Step

> Update working, just my attempt at a possible explanation for what you're

> experiencing.

> Web Connect downloads were, for years, downloads that required the user to

> manually log on to the financial institution's web site to initiate the

> download (and maybe to manually move from account to account at the web

> site ... initiating a download from each account).

> Quicken's recently added capability to download a Web Connect account

> using One Step Update, is called "Express Web Connect". Basically it uses

> a computer program to pretend to be a user logging on to the financial

> institution's web site, and take whatever action the user would have to

> take, to download to Quicken ... I think this is called "screen scraping"

> in the jargon.

> In the old - less "secure" - days, logging on to the fi's web site was a

> fairly simple affair that rarely changed ... and if it had stayed simple

> and unchanging, I think most Express Web Connect downloads would work

> fairly seemlessly.

> But fi's are becoming more security conscious and implementing more

> complex log on processes, and double checking to see if the pc that's

> logging on is the pc that's permitted to logon. The more complex log on

> processes are known as Multi Factor Authentication (MFA) and they're

> pretty much designed to stop the very sort of thing that Express Web

> Connect is trying to do: allow a computer program to pretend to be a user

> logging on.

> I think there can be two types of problems with Express Web Connect and

> the increased security.

> One problem can occur, as you note, when the financial institution changes

> their logon procedure ... then the screen scraper has to change what it

> does. I think that requires communication between the fi and whoever is

> operating the screen scraper - Intuit in this case. If that communication

> doesn't occur, or takes a long time to occur, users may not be able to use

> Express Web Connect at the account for some time. I'm guessing that fi's

> can easily forget to tell Intuit when these type of changes occur.

> A second problem is worse: there are forms of MFA which a computer program

> can't overcome. The one I'm thinking of is where the web site pops up a

> randomly selected sort of "picture" of some numbers and/or letters and

> asks the user to key in what they see. A computer program can't "read"

> that display, and since its content is different for every log on attempt,

> its content can't be built into the screen scraper. It should prevent any

> screen scraper from successfully logging on. [I think PayPal offers one

> of those security measures as an option.]

> There may be less onerous forms of the second problem: like the "security"

> questions you get asked if you log on from an unrecognized pc. I think

> these can also cause problems for Express Web Connect ... and I'm not sure

> how EWC avoids getting asked those questions, as I think the normal way

> for the fi to tell that it's "your" pc is by placing a cookie on your pc

> ... don't know how EWC deals with that.

> Anyway: if your problem is some sort of miscommunication between your fi

> and Intuit about how to log on (which I suspect is the most common cause

> of EWC difficulties), you may be able to log on once they have exchanged

> the required information: I can't tell you how to find out if that is the

> problem, or, if it is, what's being done about it ... though I'd probably

> start with the financial institution.

> On the other hand, there probably can be other reasons why you are having

> your problem. I do seem to recall Capital One's name appearing in some

> posts in the Quicken forums as having problems downloading; but I don't

> remember what the problems were nor do I recall if there were any

> "solutions" posted for the problems.