Software as a service (SAAS) and platform as a service (PAAS) services featuring computer software and computer software platforms for enabling users to utilize device identification information for evaluating online transactions to enable frictionless e-commerce in the manner of new account origination, web payments, and account login, and for profiling web transactions to prevent fraud; application service provider featuring software for the mathematical analysis of online users, online computing devices, and online user behaviors to support advanced methods for Internet authentication; providing online non-downloadable software for collecting, using and sharing digital identity intelligence