Design and development of on-line computer software systems; Application service provider featuring application programming interface (API) software for integrating customer identity, credit and other related personal data into web-based accessible products; integrating business, transactional, financial, and analytics information and functionality into other software and platforms; and compiling, analyzing and managing personal and business identity information; Providing an online non-downloadable Internet-based system application featuring technology enabling users to manage customer identity and credit data; manage and track customer relationships and customer transactions; and manage and maintain data management, data collection, data integration, data queries, data processing, data interpretation, data sharing, data analytics, and data visualization; Software as a service (SAAS) services, namely, hosting software for use by others for use in managing customer identity and credit data; in managing and tracking customer relationships and customer transactions; and in managing and maintaining data management, data collection, data integration, data queries, data processing, data interpretation, data sharing, data analytics, and data visualization