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; detection and prevention of computer fraud; fraud and identity theft protection via electronic communications networks; financial identity monitoring via electronic communications networks; consultation in the fields of data theft and identity theft via electronic communications networks; identification verification services, namely, providing authentication of personal identification information and transmitting such information via email, text or telephone; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via electronic communications networks; providing user authentication services in transactions of all types via electronic communications networks; identification, authentication and verification of mobile device account ownership via electronic communications networks; risk management services to provide information to detect high risk and fraudulent individuals and the risk associated with payment transactions via electronic communications networks; risk management services to detect, prevent and deter payment and identity fraud via electronic communications networks