**Exhibit 31.2**     I, Catherine A. Graham, certify that:     1. I have reviewed this annual report on    Form 10-K    of Online Resources Corporation;     2. Based on my knowledge, this annual report does not    contain any untrue statement of a material fact or omit to state    a material fact necessary to make the statements made, in light    of the circumstances under which such statements were made, not    misleading with respect to the period covered by this annual    report;     3. Based on my knowledge, the financial statements, and    other financial information included in this annual report,    fairly presents in all material respects the financial    condition, results of operations and cash flows of the    registrant as of, and for, the periods presented in this annual    report;     4. The registrant’s other certifying officer and I are    responsible for establishing and maintaining disclosure controls    and procedures (as defined in Exchange Act    Rules 13a-15(e)    and    15d-15(e))    for the registrant and have:     a. Designed such disclosure controls and procedures, or    caused such disclosure controls and procedures to be designed    under our supervision, to ensure that material information    relating to the registrant, including its consolidated    subsidiaries, is made known to us by others within those    entities, particularly during the period in which this annual    report is being prepared;     b. Evaluated the effectiveness of the registrant’s    disclosure controls and procedures and presented in this report    our conclusions about the effectiveness of the disclosure    controls and procedures, as of the end of the period covered by    this report based on such evaluation: and     c. Disclosed in this report any change in the    registrant’s internal control over financial reporting that    occurred during the registrant’s most recent fiscal quarter    that has materially affected or is reasonably likely to    materially affect the registrant’s internal control over    financial reporting; and     d. Disclosed in this report any change in the    registrant’s internal control over financial reporting that    occurred during the registrant’s most recent fiscal quarter    (the registrants fourth fiscal quarter in the case of an annual    report) that has materially affected, or is reasonably likely to    materially affect, the registrant’s internal control over    financial reporting; and     5. The registrant’s other certifying officer and I    have disclosed, based on our most recent evaluation of internal    control over financial reporting, to the registrant’s    auditors and the audit committee of the registrant’s board    of directors (or persons performing the equivalent functions):     a. All significant deficiencies and material weaknesses in    the design or operation of internal control over financial    reporting which are reasonably likely to adversely affect the    registrant’s ability to record, process, summarize and    report financial information; and     b. Any fraud, whether or nor material, that involves    management or other employees who have a significant role in the    registrant’s internal control over financial reporting.      By:     /s/  Catherine A. Graham    Catherine A. Graham    Executive Vice President and    Chief Financial Officer    (Principal Financial Officer) Date: March 16, 2006