42 Providing online non-downloadable software for capturing, extracting, and authenticating personal financial and identity data; application service provider featuring application programming interface (API) software for retrieval and review of personal financial and identity data; Application service provider featuring application programming interface (API) software for integrating transactional, financial, identity, and analytics information and functionality into other software and platforms; electronic signature authentication and verification services using technology to authenticate user identity; providing an on-line searchable database and on-line electronic datasets, with interconnection to other on-line databases and electronic datasets, for digital certificate authentication and verification of personal financial and identity information; providing temporary use of non-downloadable computer software for authenticating and validating digital certificates for personal financial and identity verification; providing temporary use of non-downloadable computer software relating to information regarding personal identity, namely, software for compiling, analyzing and managing personal financial and identity information; providing temporary use of non-downloadable computer software for personal financial and identity verification and authentication; Electronic monitoring of personally identifying information to detect identity theft via the internet