42 Providing online non-downloadable software for providing risk-based, multi-factor user authentication and fraud detection; providing online non-downloadable software for use by financial institutions, debit and credit card issuers and issuing processors to detect and mitigate fraud in electronic transactions; Computer security consultancy; software as a service (saas) services featuring software for providing operational intelligence, business analytics, security information, and troubleshooting; Cloud computing featuring software for providing operational intelligence, business analytics, security information, and troubleshooting; Software as a service (saas) services featuring software for producing reports, dashboards, metrics and alerts related to computer, network and data security incidents; Cloud computing featuring software for producing reports, dashboards, metrics and alerts related to computer, network and data security incidents; Software as a service (saas) services featuring software for electronic fraud and identity theft detection and prevention; Cloud computing featuring software for electronic fraud and identity theft detection and prevention; Software as a service (saas) services featuring software for real-time internet, mobile and e-commerce fraud detection, protection, management, analytics and reporting; User authentication services for electronic transactions; Cloud computing featuring software for real-time internet, mobile and e-commerce fraud detection, protection, management, analytics and reporting; monitoring of electronic payment transactions to detect fraud; Providing online non-downloadable software using artificial intelligence for fraud detection, reporting, and mitigation; computer threat management services for others for protecting data, namely, detecting, monitoring and mitigating electronic threats to computer security, user identity, financial information, and personal information; computer threat management services for others, namely, detecting, monitoring and mitigating potential and confirmed instances of electronic fraud; providing electronic information in the fields of cybercrime and fraud, namely, providing news and technical information regarding emerging and established cybersecurity threats; Computer security services in the nature of performing risk scoring for prevention of fraud, data theft and identity theft; Computer security consulting services in the fields of fraud, data theft and identity theft; Computer security consulting services; Electronic monitoring of personally identifying information to detect identity theft and fraud via the internet; providing fraud detection services for others, for electronic commerce payment transactions via a global computer network