Computer services for use in business and consumer applications for risk management, identity verification and authentication, namely, application service provider (ASP) featuring non-downloadable software for providing data, analytics, and information solutions via the Internet, namely, application programming interfaces (API), mobile applications, online search services, and on-line batch computer services for use in information and database management, information processing, compiling demographic and other information, and collection, structuring, fusing, unifying, storing and sharing of data and information with consumers and governmental, business and other organizations for risk management; computer services, namely, acting as an application service provider in the field of knowledge management to host computer application software for the collection, organizing, modifying, unification, book marking, transmission, storage and sharing of data and information