Abstract: Methods and systems for secure electronic data communication over public communication networks. A secure data communication component may be utilized to implement a communication protocol. New versions of the data communication component may be generated, with each version containing a different communication protocol. Source code of the data communication component may be modified using a polymorph engine to create a functionally-equivalent component having a different code structure. An anti-phishing component may intercept a link in an electronic communication activated by a user, analyze the link and the electronic communication, determine a phishing risk to the user posed by the link, and direct the user to a location indicated by the link or redirect the user to a valid location. A server authentication component may detect and prevent DNS attacks, injections, and defacing activities.

Abstract: Methods and systems for secure electronic data communication over public communication networks. A secure data communication component may be utilized to implement a communication protocol. New versions of the data communication component may be generated, with each version containing a different communication protocol. Source code of the data communication component may be modified using a polymorph engine to create a functionally-equivalent component having a different code structure. An anti-phishing component may intercept a link in an electronic communication activated by a user, analyze the link and the electronic communication, determine a phishing risk to the user posed by the link, and direct the user to a location indicated by the link or redirect the user to a valid location. A server authentication component may detect and prevent DNS attacks, injections, and defacing activities.

Abstract: A user activates the transaction facilitation system from an online banking homepage. Thereafter, communication is performed over a secure communication network. User and transaction type information are received and a unique transaction number is generated. Product information from a vendor is provided to the user, and selected product information is received from the user. Selected transaction information and the transaction number are transmitted to the user's financial institution, and transaction confirmation information is received from the financial institution. A purchase order and the transaction number are transmitted to the vendor, and a confirmation of the purchase order is received from the vendor. An indication of the confirmation of the purchase order, the transaction number, and a customer relations management password are transmitted to the financial institution.