Abstract: A method for verification of an electronic transaction between a consumer and a merchant, a credit issuers or any combination thereof. This method includes the steps of: obtaining a network data set including a plurality of data fields reflecting network data; obtaining a transaction data set including a plurality of data fields reflecting transaction data, consumer data, merchant data, credit issuer data or any combination thereof, directed to the electronic transaction; analyzing at least one field of the network data set and at least one field of the transaction data set; and based upon the results of the analysis, initiating an action directed to the transaction. An apparatus and system are also disclosed.