Computer software for providing real-time and background fraud detection for transactions in and on various operating environments, platforms, networks and network protocols and authentication of users of, in and on such operating environments, platforms, networks and network protocols; computer software to detect suspicious, anomalous and unusual transaction and account behaviors in and on various operating environments, platforms, networks and network protocols; computer programs for providing alerts and reports on potentially fraudulent transactions and suspicious, anomalous and unusual behaviors for and across various operating environments, platforms, networks and network protocols; computer software for providing access control functions for and across various operating environments, platforms, networks and network protocols; computer software for providing identification functions in the nature of electronic authentication for and across various operating environments, platforms, networks and network protocols; computer software for providing policy enforcement functions for and across various operating environments, platforms, networks and network protocols; computer software for scanning and analyzing electronic transactions for and across various operating environments, platforms, networks and network protocols; computer software for creating, storing, and using data in provision of multiple factors of identification and authentication of computer users and electronic devices for and across various operating environments, platforms, networks and network protocols