Providing online, non-downloadable software for monitoring and analyzing the integrity of and risk presented by online user-generated content; Providing online, non-downloadable software for automating online fraud prediction and prevention; Providing online, non-downloadable software for facilitating fraud prevention in the field of online user account creation and utilization, online payments, promotional programs, and online transactions; providing online, non-downloadable software for preventing fraud by preventing online accounts from being compromised; providing online, non-downloadable software for facilitating fraud prevention for user interactions across all of a business's web sites and mobile applications; providing online, non-downloadable software for facilitating fraud prevention in the field of chargeback losses