Fraud detection services in the field of banking; fraud detection services in the field of checking accounts; fraud detection services in the field of checking accounts featuring notification of suspicious activity to consumers by text message, email or telephone; computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of point of sale activity indicating theft, fraud, or other criminal activity; providing fraud detection services for electronic funds transfer, debit card and electronic check transactions via a global computer network; providing user authentication of electronic funds transfer, debit card and electronic check transactions via a global computer network