1. A secure computer device for secure transactions, the device comprising: a memory; an operating system, stored in the memory, including built-in security features; a processor, in communication with the memory, including security features and configured to execute the operating system and to execute software in a virtualized state outside of the operating system; a virtual monitoring application, stored in the memory, executable by the processor and configured to: (i) continuously monitor in a virtualized state outside of the operating system, system files and duplicate files of the system files to determine if a duplicate files exist for each of the system files and create a duplicate file for a corresponding system file, if a duplicate file was determined not to locally exist, (ii) continuously monitor in the virtualized state, system files and duplicate files of the system files for modification by malicious software, and automatically restore, to one of an original version or a known operative state, any of the duplicate files or system files determined to be modified by malicious software, and (iii) in response to determining modification of the duplicate files or system files by malicious software and restoring the duplicate files or system files to the original version or the known operative state, generate and communicate an alert indicating possible suspicious activity based on the determined modification, wherein the virtual monitoring application is configured to operate in the virtualized state outside of the operating system, wherein operating the virtual monitoring application in the virtualized state prevents any modifications to the virtual monitoring application by malicious software; a marking on the secure computer device that indicates that the secure computer device includes enhanced security features for secure electronic commerce transactions; an identity security module stored in the memory and executable by the processor; and a loss protection device in communication with the processor.