Computer software and firmware for Providing access control authentication and authorization and risk management based on cognitive continuous authentication via a global computer network; computer software and firmware for authentication and authorization of access control and management of data, applications, services, and processing of financial transactions using machine learning, predictive analytics models, adaptive authentication; fraud detection, classification and prevention software using adaptive authentication techniques for improving cyber traffic intelligence and forensics, and also for identification of suspect activities using a fusion of contextual data resulting in adaptive authentication and authorization

Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network