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Is “Modeling Users for Fraud Detection” too generic for a patent?

In reference to the patent: US20100094767 This is a generic idea that could be easily considered by anyone with a modicum of BI knowledge and AI acumen. Could this patent possibly be granted?
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How is this different from a regular market mix model?

In reference to the patent: US 2013/0166351 A1 Many organizations have market mix models implemented within a defined processing system. How is this different?
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If I claim a specific method in a utility patent, do my more general methods also get protected?

I'm considering patenting a method (a business model + software + UI, for use on personal computers). The method itself and the functions included in the method can be accomplished in various ways, ...
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How long after a patent gets a FINAL REJECTION does it appear as such on Google Patents?

How long after a patent gets a FINAL REJECTION does it appear as such on Google Patents or before the final rejection is made public?