Financial services, namely risk assessment, risk management, and verification services; payment verification services; funds verification services; check verification services; electronic funds transfer and credit and debit card transaction verification services; financial fraud detection and prevention services; providing financial transaction monitoring services for financial institutions and consumers via a global computer network; providing notification and reporting services to financial institutions and account holders regarding financial transactions, account activity, and potential fraudulent activity; providing financial risk assessment, management, and verification services for electronic funds transfers, credit and debit card transactions, and check transactions via a global computer network