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 monitor system files and duplicate files of the system files for modification by malicious software, 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 generate and communicate an alert indicating possible suspicious activity based on the determined modification, wherein the virtual monitoring application is configured to operate in a virtualized state outside of the operating system; 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.