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 consumer credit reports and providing an alert as to any changes therein for business purposes; 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 credit bureau data; 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