Downloadable computer software for use in financial account protection, payment authorization and processing, instant credit authorization and facilitation, dynamic e-commerce checkout, alternative payment, chargeback guarantee, secure commercial transactions, and detection, prevention and management of online fraud and credit card fraud; Downloadable computer software for use in electronically monitoring, detecting and reporting suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity, and providing authentication services in e-commerce transactions
Electrical and Scientific Apparatus