Identification user verification services, namely, providing user authentication of personal information using single sign-on technology, using biometric hardware and using software technology for business purposes, in particular, business purposes such as e-commerce transactions, employment applications, personal security and customer relationship management, and secure entry and exit door access; Credit holder user authentication services using single sign-on technology, using biometric hardware and using software technology for business and personal purposes in the nature of e-commerce transactions; Fraud detection services in the nature of electronic monitoring of credit card activity to detect fraud via the Internet; Identity user verification services, namely, providing user authentication of personal identification information in the fields of gaming, finance, credit, medical records and psychological profiling using single sign-on technology, using biometric hardware and using software technology for business and personal purposes in the nature of e-commerce transactions and secure entry and exit door access; Fraud detection services in the field of credit cards for on-line purchasing in the nature of electronic monitoring of credit card activity to detect fraud via the Internet; Fraud detection services in the field of credit cards, debit cards, and payment cards for financial transactions in the nature of electronic monitoring of credit, debit and payment card activity to detect fraud via the Internet; Fraud and identity theft protection services in the nature electronic monitoring of personally identifying information to detect identity theft via the Internet; Fraud detection services in the field of insurance, credit cards, banking, retail and financial transactions in the nature of electronic monitoring of insurance, credit card, banking. retail and financial transaction activity to detect fraud via the Internet; Providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network in the nature of electronic monitoring of funds transfer, credit card, debit card and electronic check transaction activity to detect fraud via the Internet; Software as a service featuring software to reduce charge backs and aid the resolution of billing inquiries and disputes; Providing credit holder user authentication of credit card transactions via a global computer network using single sign-on technology, using biometric hardware and using software technology for personal and business purposes in the nature of e-commerce transactions, employment applications, and dating service transactions; Providing temporary use of online non-downloadable computer software that allows users to send, receive, store, and safeguard digital currency; providing a secure, web-based service featuring technology that enables users to remotely access, send, receive, store, and manage digital currency; providing a website that gives users the ability to create customized web pages featuring user-defined profiles; application service provider featuring application programming interface software for integration of financial transactions into websites and mobile applications