42 Application service provider (ASP) featuring software for use in identifying and verifying the identity of participants in transactions conducted over local, wide area, and global computer and data storage networks; Software as a service (SaaS) services featuring providing application programming interface (API) software for use in a cloud-based telecommunication platform, for user identity authentication, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; Providing temporary use of non-downloadable cloud-based software for user identity authentication, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; Providing temporary use of online non-downloadable software for authentication of user identities, digital identification of authorized users, anti-fraud protection, communication sharing, digital advertising and identity management; Application service provider featuring application programming interface (API) software and on-line, non-downloadable software development tools for use in enabling, tracking, analyzing, and managing cloud communication services; Software as a service (SAAS) services featuring application programming interface (API) software for number masking, sending personalized, pre-recorded voice messages, notifications, one-time passcodes, and reminders, and text-to-speech calls; software as a service (SAAS) services, namely, hosting software for use by others for managing, monitoring, investigating, removing, tracking and protecting telephone numbers and data; Software as a service (SAAS) services featuring software for monitoring and detecting fraudulent financial transactions, fraudulent account creation, and unauthorized account access; Software as a service (SAAS) services featuring software for use in assignment, management, and protection of users' digital identities; Software as a service (SAAS) services featuring software for management of customer identity information across multiple devices; Software as a service (SAAS) services featuring software for identification of fraud in onboarding of new customers; Software as a service (SAAS) services featuring software for risk assessment and reputation scoring in onboarding of new customers; Software as a service (SAAS) services featuring software for storage, management, and retrieval of communications and identity data including phone numbers, email addresses, and internet protocol addresses; Software as a service (SAAS) services featuring software for use in management of communications, user identity verification and authentication, and cybersecurity being monitoring and analysis of communications conducted using SMS, voice, cross platform voice over IP, and omnichannel messaging telecommunications networks