User authentication services using technology for e-commerce transactions; User authentication services using single sign-on technology for online software applications; Providing user authentication services using biometric hardware and software technology for e-commerce transactions; Providing user authentication services using device fingerprinting, behavioral analysis, and multi-factor authentication technology for e-commerce transactions; Software as a service (SAAS) services featuring software using machine learning for detecting spam in web form submissions, analyzing submission patterns, preventing automated bot attacks, preventing lead fraud, and assuring lead quality; Application service provider featuring application programming interface (API) software for fraud detection and spam scoring; Online computer services, namely, providing spam filtering services to protect websites and online applications from receiving unsolicited messages