Consultation in the field of data theft and identity theft; Financial identity monitoring service; Identification verification services, namely, providing authentication of personal identification information; Identification verification services, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet; Monitoring of credit reports, the Internet, and public records to facilitate the detection and prevention of identity theft and fraud; Providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network