There was a time, before the advent of the Internet, when you had to physically be present to commit fraud. The Internet brought on cybercrime where you could divert, or intercept information/money as electronic transfers of data and funds became more commonplace. For each generation of criminal activity, we have developed ways to police, protect, and detect against fraud. Today, identity theft or simply the creation of false identities is what plagues our online world and threatens the trust we need to conduct business.