Software as a service (SAAS) services featuring software for computer user and online account user identity verification and authentication, detection and prevention of unauthorized online user account use, detection and prevention of business payments fraud, verification and authentication of credit underwriting services and account management changes, monitoring online financial transactions to prevent anti-money laundering (AML) schemes, computer security for protecting data, online accounts, and online purchase transactions, computer detection and prevention of credit card and digital payment fraud, detection and prevention of identity theft and online account take overs, and prevention of fraudulent or deceptive online identity and consumer marketing tactics and consumer financial fraud and theft