Downloadable software for user identity verification for use in fraud protection and identity theft protection; downloadable software for providing an interface to an information network that verifies user identity; downloadable software for securing financial transactions and protecting financial data and information from unauthorized access; downloadable software for securing e-commerce transactions and protecting e-commerce data and information from unauthorized access; downloadable softwa...

Downloadable software for user identity verification for use in fraud protection and identity theft protection; downloadable software for providing an interface to an information network that verifies user identity; downloadable software for securing financial transactions and protecting financial data and information from unauthorized access; downloadable software for securing e-commerce transactions and protecting e-commerce data and information from unauthorized access; downloadable softwa...