Computer software and middleware for authenticating user identification, access control, intrusion and fraud detection, for use in personal finance and e-commerce transactions; computer software and middleware for database management in the field of cryptographic network security and data security functions; computer software for integration of information logic and data between computer networks; computer software for automating a process for authentication of identity using existing databases in connection with the issuance and management of digital tokens used for authentication or encryption of digital communications in an electronic transaction or communication over the Internet and other computer networks; computer software, namely, encryption software to enable secure transmission of digital information, namely, confidential, financial and credit card information over the Internet, as well as over other modes of communication between computing devices; computer software for detecting, blocking, and intercepting malware and other threats to computer hardware and software; computer software for authentication and identity management information security; computer software for detecting identity fraud

Caller and mobile web user authentication services; design and implementation of software and technology solutions for authentication of callers and mobile web users