42 Software as a service (SAAS) services, namely, hosting non-downloadable computer software for use by others to facilitate detection, analysis and monitoring of network access and authentication flows; software as a service (SAAS) services, namely, hosting non-downloadable computer software for use by others to facilitate multi-factor and strong authentication, access control for web, mobile and application programmable monitoring, managing, analyzing and reporting of computer networks, systems, applications and data for the purposes of information security and access control; providing temporary use of on-line non-downloadable cloud computing software for access and authentication risk analysis and detection services, namely, enforcing, restricting, monitoring and controlling access to computer network services, for individual users and organizations; providing user authentication services between two or more entities using software, phone, messaging, single sign-on technology, biometric hardware and software technology, access certification short message service (SMS), voice one time password (OTP), and/or mobile device user identity authentication for e-commerce transactions, online software applications, and/or cryptocurrency transactions; computer digital security services in the nature of providing authentication, issuance, validation and revocation of digital certificates