Software as a service (SAAS) services featuring software for financial transaction fraud detection; Software as a service (SAAS) services featuring software to reduce chargebacks by providing early fraud detection and aid the resolution of billing inquiries and disputes by providing real-time transaction validation; Collection, verification and analysis of consumer data and financial information to detect and prevent fraud and identity theft via electronic communications networks; Computer risk management services for the detection and prevention of fraud via electronic communications networks; Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via electronic communications networks; Computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity