Providing financial risk management information, services and analytics for credit transactions via a global computer network; Providing credit reporting, credit scoring services and alerts as to changes in credit standings; Compiling, analyzing and monitoring of consumer data, credit data, credit scores, loan data, public records data, bank transaction data, business data, internet data and other sources for assisting financial institutions in making lending, credit marketing, or insurance d...

Proactive authentication identification services pertaining to online credit card transactions via mobile phone, personal digital assistant (PDA), short message service (SMS) or mobile network