Downloadable software and downloadable application programming interface (API) software for identity authentication and certification; downloadable software and downloadable application programming interface (API) software for users to manage sharing of personal data for purposes of certifying identity; downloadable software for mobile phones, computers and hand-held computers for individuals, financial institutions, banks, businesses, companies, organizations, academic institutions, and government agencies to manage identification certification; downloadable software and downloadable application programming interface (API) software that utilizes facial and fingerprint recognition technology, and data collected, managed and certified by personal banking institutions, to certify and authenticate personal identity; downloadable software and downloadable application programming interface (API) software in the field of fraud protection and protection by providing identity certifications and providing protection for identification certified transactions

Application service provider featuring application programming interface (API) software; providing temporary use of non-downloadable software for verifying and certifying identity; providing an online non-downloadable computer software platform accessible by computer or mobile device for users to manage sharing of personal data for purposes of certifying identity; providing an online non-downloadable computer software platform accessible by computer or mobile device featuring a dashboard that enables individual users and financial institutions, banks, businesses, companies, organizations, academic institutions, and government agencies to manage identification certification; identification certification platform accessible by computer or mobile device that utilizes facial and fingerprint recognition technology and data collected, managed and certified by personal banking institutions, to certify and authenticate personal identity; providing temporary use of online non-downloadable software accessible by computer or mobile device in the field of fraud protection and protection that provides identity certifications and provides protection for identification certified transactions; application service provider (ASP), namely hosting, managing, developing, analyzing, and maintaining software and applications of others for detecting identity fraud and protection therefrom