Providing software as a service featuring software for computer network and communications network security in the nature of intrusion protection, managed security services, vulnerability management and assessment and threat analysis; Providing a website featuring technology enabling the authentication and risk quantification of persons, data, electronic documents or graphical objects based on a multi-factor adaptive algorithm; Providing software as a service (SAAS) featuring software for authenticating the identity of individuals based on a multifactor analysis; Providing use of non-downloadable cloud-based computer software which features technology that enables the verification of identifications of computer and computer network users and helps manage such identifications for security purposes