Downloadable cloud-based software for preparing an identity-based trust or risk score based on data related to financial, security, trustworthiness, competence, reliability and fraud risks; Downloadable cloud-computing software for preparing an identity-based trust or risk score based on data related to financial, security, trustworthiness, competence, reliability and fraud risks; Downloadable computer application software for mobile phones, namely, software for preparing an identity-based trust or risk score based on data related to financial, security, trustworthiness, competence, reliability and fraud risks; Downloadable computer application software for mobile phones and handheld computers, namely, software for evaluating identity-based risks; Downloadable computer programs for producing an identity-based trust or risk score based on data related to financial, security, trustworthiness, competence, reliability and fraud risks; Downloadable computer software for producing an identity-based trust score based on data related to financial, security, trustworthiness, competence, reliability and fraud risks

Monitoring workforce and identity-based security and fraud risks for business purposes; Business risk assessment services; Professional credentialing verification services in the field of healthcare, accounting and education, namely, verifying the skills and knowledge of licensed professionals on behalf of others; Verifying and monitoring the credentials of service providers, personnel, employees, potential employees and customers for business purposes

Evaluation of the credit worthiness of companies and private individuals; Financial risk assessment services; Providing financial assessment services to business entities and customers

Software as a service (SAAS) services featuring software for monitoring and evaluating identity-based security and fraud risk; Application service provider (ASP) featuring software for use in assessing and evaluating workforce, personnel and identity-based security and fraud risks; Providing on-line non-downloadable software for assessing and evaluating workforce, personnel and identity-based risks; Providing temporary use of a non-downloadable web application for collecting and evaluating workforce, personnel and identity-based risks; Providing temporary use of a web-based software application for obtaining, assessing and evaluating workforce, personnel and identity-based risks; Providing temporary use of non-downloadable cloud-based software for evaluating workforce, personnel and identity-based risks; Providing temporary use of on-line non-downloadable software and applications for continuous assessment and evaluation of workforce, personnel and identity-based security and fraud risks; Providing temporary use of on-line non-downloadable software for monitoring workforce, personnel and identity-based security and fraud risks; Providing temporary use of on-line non-downloadable cloud computing software for evaluating identity-based risks

Verifying and monitoring the credentials of doctors and other medical professionals for public safety purposes; Providing an interactive web site featuring personal background credential information for users to verify credentials of others; Security threat analysis for protecting personal safety