Because of a reluctance to rely on consumers to download security protection to their computers, browser-based ecommerce fraud fighting has been reactive — layers of authentication systems on the front end of a transaction in combination with back-end systems that gather and analyze data after an online sale has been completed. These legacy systems provide limited protection against fraud enabled by malware or stolen identification credentials, particularly when transactions are initiated by a mobile device. The move to protect mobile payments can be more proactive because most mobile com...