Business data analysis, namely, business data analysis in which risk analysis is quantified in a decision scoring process for use in the fields of identity fraud risk and identify verification

On-line batch computer services, namely, configuration of multiple files into a single group to aggregate disparate data sources, apply validation, apply verification and apply risk assessment, derive analytics, and deliver decisions

Fraud and identity theft protection services, namely, providing fraud detection, authentication of personal identification information, and identity verification services; computerized security services, namely, electronically monitoring, detecting and reporting on validity of identity information, association of identity information with individuals, and suspicious or abnormal information during verification activities indicating theft, fraud, or other criminal activity; online based identity authentication and identity verification services, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet; telephone based identity authentication and identification verification services, namely, providing authentication of personal identification information via interactive voice response or voice response units; identification verification services, namely, providing authentication of personal identification information; providing user authentication services for online e-commerce and online verification transactions; fraud detection services the fields of e-commerce, online verification, personal identity verification, government and public sector services, insurance, financial services, financial regulatory compliance, telecommunications, utilities, retail, healthcare, gambling, credit account management, and direct to consumer credit products