1. A method for connecting an application program running on a client computer to a server associated with a financial institution in connection with on-line services offered by the financial institution, comprising the steps of: identifying a particular financial institution by an RTN or BIN associated with the institution; sending a query for information relating to the method of connecting to the server associated with the identified financial institution from the client computer to a branding server storing a plurality of connection information sets; determining which one of the plurality of connection information sets corresponds to the financial institution; transmitting the connection information set corresponding to the financial institution to the client computer; and establishing a connection between the client computer and the server associated with the financial institution based on the connection information set.