providing temporary use of non-downloadable online banking software that accesses bank merchant customers' web-sites to search for indications of suspicious undisclosed commercial activities by the bank merchant customer, identifies suspicious undisclosed commercial activities and then informs bank underwriters to determine the validity of any such findings, to take action or clear such activities for future scans, ranks these suspicious undisclosed commercial activities by severity, further indexes and monitors bank merchant customer website's activities for changes to refund policies, privacy policies or other possible policy discrepancies in standard business practices that may be indicators of bank merchant customer fraud, and provides evidence and records of banking customer website changes and notifying both the bank and the bank merchant customer if the bank merchant customer's website goes down

An online banking software platform that accesses bank merchant customers' web-sites to search for indications of suspicious undisclosed commercial activities by the bank merchant customer; identifying suspicious undisclosed commercial activities and then informs bank underwriters to determine the validity of any such findings, to take action or clear such activities for future scans; ranks these suspicious undisclosed commercial activities by severity; further indexes and monitors bank merchant customer website's activities for changes to refund policies, privacy policies or other possible policy discrepancies in standard business practices that may be indicators of bank merchant customer fraud; providing evidence and records of banking customer website changes and notifying both the bank and the bank merchant customer if the bank merchant customer's website goes down