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Application service provider (ASP) featuring software that provides analytical solutions for identity theft and fraud prevention and detection and identity risk management; Application service provider (ASP) featuring software in the field of identity fraud and protection therefrom, with said software being for the confirmation, verification, and validation of identification in the prevention and detection of fraud and identity theft; Designing and developing software and algorithms, databases, data indices and data sets that provide solutions for personal identity confirmation, verification and validation for the purpose of identity theft and fraud prevention and detection