Providing on-line non-downloadable software using artificial intelligence for assessing cyber-threats and default risk of electronic funds transfers in real time; Providing temporary use of online non-downloadable middleware for providing an interface between web browsers, mobile devices, and software applications and electronic funds systems; Software as a service (SAAS) services featuring software for assisting with electronic funds transactions; Application service provider featuring application programming interface (API) software for the facilitation of electronic funds transfers