Software as a service (SAAS) services featuring software using machine learning to develop and improve predictive models based on digital content from email addresses, telephone numbers, and Internet Protocol (IP) addresses; Providing temporary use of non-downloadable software for real-time identity and digital data verification and scoring; providing temporary use of non-downloadable software for verification of facial likenesses and other biometric characteristics; Providing temporary use of non-downloadable software for authentication, identity verification, security and fraud protection via an application programming interface (API); Providing temporary use of non-downloadable software for real-time e-commerce transactional fraud detection, fraud detection management, fraud detection analytics and reporting, and fraud intelligence