Class 035: Business consulting, management, and planning services in the field of credit information enabled by artificial intelligence, namely, machine learning, mathematical modeling, advanced statistical techniques, and financial analysis of big data, proprietary data, and alternative data; Class 036: Financial information and advisory services; financial risk assessment services; credit risk management; Financial credit scoring services; all the foregoing enabled by artificial intelligence, namely, machine learning, mathematical modeling, advanced statistical techniques, and financial analysis of big data, proprietary data, and alternative data; Class 042: Application service provider (ASP) featuring software for use in credit application processing, evaluating credit worthiness, risk analysis; Fraud alert services, namely, monitoring consumer credit reports and providing an alert as to any changes therein; all of the foregoing enabled by artificial intelligence, namely, machine learning, mathematical modeling, advanced statistical techniques, and financial analysis of big data, proprietary data, and alternative data
Computer software application for mobile devices, namely, computer software for monitoring, managing, and identifying changes in and risks to information relating to personal credit, fraud, and identity theft; Providing temporary use of non-downloadable software for monitoring, managing, and identifying changes in and risks to information relating to personal credit, fraud, and identity theft
Employment verification services | Platform as a Service (PAAS) featuring non-downloadable software for use by employers, namely, providing a secure solution for facilitating completion, review, and retention of employer-related forms, employment verification, compliance with federal laws, management of tax credits, generation of reports, measurement of compliance. risk decisioning and analysis, creation of audit trails, and responding to audits; Computer services, namely, providing an interactive web site that allows users to manage Affordable Care Act compliance, employee benefits and workforce hours; Platform as a service (PAAS) featuring computer software platforms for managing Affordable Care Act compliance, tax credits, employee benefits and workforce hours, risk decisioning and analysis, creation of audit trails, and responding to audits; Providing a web hosting platform in the nature of providing a website featuring technology that enables users to manage affordable care act (ACA) compliance, employee benefits, and respond to audits
Providing online non-downloadable software for use by employers, credit reporting agencies, government agencies, law enforcement, background screeners, institutions, and investors, namely, software for providing data integrity regarding an individual's employment status, salary, income, identity, education history, certification history, incarceration history and legal sanction history
Providing temporary use of non-downloadable computer software for use in Employment verification, including creating, assembling and executing employment verification forms such as in locations where the employer is not present, for enabling employers to verify the employment eligibility status of newly hired employees
Providing employment verification in the nature of verifying employment eligibility status and providing employment and wage data; providing employment and wage verification to employers in responding to employment and wage verification requests; providing employment and wage verification to banks, lenders, and government agencies for wage and employment verification for loan applicants and employees | Providing a secure website for use by employees featuring technology to confirm employment eligibility status, access employment and wage data, block third parties from accessing employment and wage data, and receive notifications when data has been viewed or requested by third parties; providing a secure website for use by employers featuring technology to respond to employment and wage verification requests; providing a secure website for use by banks, lenders, and government agencies featuring technology for wage and employment verification for loan applicants and employees
Downloadable computer application software for mobile devices in the nature of mobile phones, tablet computers, and handheld computers, namely, software for accessing, monitoring, managing, and identifying changes in and risks to information and data pertaining to consumer credit and credit reports, controlling a third party's ability to access an individual's credit report, submitting disputes to credit bureaus regarding inaccurate or incomplete information in an individual's credit report, and receiving alerts, notifications, and information concerning possible fraud and identity theft
Providing financial information, data, and reports in the field of consumer credit, credit scores, and credit reports by means of the Internet; providing information in the field of credit reporting | Providing online non-downloadable software for accessing, monitoring, managing, and identifying changes in and risks to information and data pertaining to consumer credit and credit reports, controlling a third party's ability to access an individual's credit report, submitting disputes to credit bureaus regarding inaccurate or incomplete information in an individual's credit report, and receiving alerts, notifications, and information concerning possible fraud and identity theft; providing a secure interactive website featuring technology that enables users to access, monitor, manage, and identify changes in and risks to information and data pertaining to consumer credit and credit reports, control a third party's ability to access an individual's credit report, submit disputes to credit bureaus regarding inaccurate or incomplete information in an individual's credit report, and receive alerts, notifications, and information concerning possible fraud and identity theft; fraud and identity theft protection services, namely, electronic monitoring of personally identifying information across private and public electronic databases, public records, credit reports, the Internet, global computer networks, and personal financial accounts to detect and protect against identity theft and fraud via the internet, and providing alerts and notifications concerning possible fraud and identity theft to detect and protect against identity theft and fraud in connection therewith; providing information in the field of electronic monitoring of personally identifying information, namely, electronic credit monitoring to detect fraud via the Internet
Software as a services (SAAS) services featuring software for risk analysis, identity verification, identity authentication, data analysis, decisioning and analysis, consumer account management, and risk modeling, scoring, and analytics in the field of fraud detection and protection, and for providing alerts and notifications concerning possible fraud to detect and protect against fraud
Software as a service (SAAS) services featuring software for providing and analyzing marketing information and advising others regarding marketing performance
marketing services; marketing attribution services, namely, providing marketing information reports identifying which marketing and advertising touch points the customer interacted with before making a purchase; consumer marketing research; providing and analyzing information, marketing reports, and business consulting services all in the field of marketing and on-line marketing
Providing temporary use of non-downloadable software for source verification and authentication for online access and transactions; providing source verification and authentication services for online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys; fraud detection in connection with online access and transactions in the nature of detecting fraudulent activity, namely, monitoring of computer systems for detecting unauthorized access or data breach; computer security services in connection with online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys
Computer software application for mobile devices, namely, computer software for monitoring, managing, and identifying changes in and risks to information relating to personal credit, fraud, and identity theft; Providing temporary use of non-downloadable software for monitoring, managing, and identifying changes in and risks to information relating to personal credit, fraud, and identity theft
Financial services, namely, providing financial credit risk and credit score analysis services for others rendered by financial analysis of big data, proprietary data, and mathematical modeling | Providing online non-downloadable software for use in generating customized models and scores, analytics, configurable solutions, insights, and benchmarks from diverse data sources, namely credit scores, proprietary data, and big data, for the purpose of making decisions related to customer acquisition, customer management, fraud, and financial credit risk
Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, energy utilization, motor vehicle reports, consumer marketing, credit information, risk assessment, identity verification, collections and debt recovery, regulatory compliance, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing survey research, providing mailing lists for advertising or business purposes, direct mail advertising services, and providing demographic, socioeconomic and financial information for target marketing purposes; data processing services in the field of account billing, monitoring and collecting; conducting business investigations on individuals and firms concerning credit, character and finances in connection with insurance, credit, employment and claims reporting services; providing business information via a database; providing information about employment and demographic data for business purposes; employee relations business management services for the businesses of others, namely, employment verification services; business management consulting services for the management and processing of unemployment claims, costs and taxes; commercial information services, namely, providing information about the personal identification data, name, location, age, and employment of individual consumers, via a computer database; business consultancy and advisory services relating to managing customer relationships; commercial information agency services for businesses, namely, compiling consumer demographic, lifestyle and/or behavioral data; providing credit application processing services to businesses; providing point of sale consumer information and consumer identification information for business purposes; business management services, namely, accounts receivable billing | Consulting services in the field of life, health, property and casualty insurance; credit inquiry and consulting services; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, mortgage loans, utility services and employment, and fraud prevention; credit evaluation, decisioning, and analysis; credit inquiry and consulting services; real estate appraisal services; information services, namely, providing financial credit information via a global network; providing financial data, namely, providing information relating to insurance, financial credit, financial data, wealth and affluence classification, mortgage loans, and related information gleaned from motor vehicle and driving history records, and to debt servicing; insurance risk information reporting services concerning potential policy holders; evaluation of credit bureau data; financial services, namely, providing historical credit scoring, financial information, financial delinquency predictions and financial risk management, and credit risk management for others through the design of custom models for predicting credit usage patterns and trends; financial risk services for others, namely, financial risk analysis and strategic financial risk advisory services; financial consulting services in the fields of account origination and portfolio management; providing financial estimates and indices to determine creditworthiness by classifying individuals according to wealth, affluence, financial capacity and risk management; providing financial and credit information via a database; providing information relating to insurance, credit, financial data, mortgage loans, and debt servicing via a database; providing information relating to insurance, credit, mortgage loans and debt management; check authorization and check payment warranty services; financial risk management services; debt collections and recovery services; financial delinquency management solutions; income verification services for the purpose of financial lending; mortgage default management; mortgage loan origination services; financial mortgage portfolio optimization consultation services | Managed service provider, application service provider, software as a service (SAAS), and hosted services featuring non-downloadable software in the fields of credit processing, risk analysis, identity verification, data analysis, demographic analysis, risk modeling and analytics, decisioning and analysis, credit reporting, credit letter generation, credit score and hypothetical credit score decisioning and analysis, credit marketing and account management, wealth and affluence classification, fraud protection and wealth and affluence classification registry; platform as a service (PAAS) featuring computer software platforms for use in connection with evaluating credit and other data as risk predictors, financial credit risk modeling and analytics, credit score analysis; platform as a service (PAAS) featuring computer software platforms for the processing of ecommerce transactions that verify the identification and authentication of the mobile user for fraud prevention, the provision of financial information, and the capability to prescreen and extend offers of credit and market to ecommerce consumers through the use of ecommerce customer data and analytical tools; application service provider (ASP) featuring software in the field of credit application processing, risk analysis, identify verification, consumer, non-regulated, and commercial reporting-agency data analysis, credit risk modeling and analytics, credit letter generation, credit score and hypothetical credit score decisioning and analysis, and credit fraud protection; providing temporary use of non-downloadable software for business management services in the nature of processing automated applications, managing accounts, and assessing business risk based on information from commercial credit providers; hosting computer databases containing information relating to applicants for insurance, credit, mortgage loans, and employment, and relating to motor vehicle reports, to debt servicing, and to demographic, socioeconomic and financial data for target marketing; monitoring of computer systems for detecting unauthorized access or data breach in relation to credit reports, the internet, and public records to facilitate the detection and prevention of identity theft and fraud | Fraud alert services, namely, monitoring consumer credit reports and providing an alert as to any changes therein
Downloadable software in the nature of a mobile application for source verification and authentication for online access and transactions | Providing temporary use of non-downloadable software for source verification and authentication for online access and transactions; providing source verification and authentication services for online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys; fraud detection in connection with online access and transactions in the nature of detecting fraudulent activity, namely, monitoring of computer systems for detecting unauthorized access or data breach; Computer security services in connection with online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys
Downloadable software in the nature of a mobile application for source verification and authentication for online access and transactions | Providing temporary use of non-downloadable software for source verification and authentication for online access and transactions; providing source verification and authentication services for online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys; fraud detection in connection with online access and transactions in the nature of detecting fraudulent activity, namely, monitoring of computer systems for detecting unauthorized access or data breach; Computer security services in connection with online access and transactions in the nature of providing verification and authentication of digital certificates and digital keys
Providing non-downloadable software for risk analysis, identity verification, data analysis, risk modeling and analytics, decisioning and analysis, in the field of fraud protection | Providing information over the Internet in the fields of identity verification and fraud protection; providing credit and financial fraud detection services
Platform as a service (PAAS) featuring computer software platforms for use in connection with evaluating credit and other data as risk predictors, financial credit risk modeling and analytics, and credit score analysis; providing online non-downloadable software for use in connection with evaluating credit and other data as risk predictors, financial credit risk modeling and analytics, and credit score analysis
Identity verification services for ecommerce transactions, namely, providing authentication of personal and financial identification information; financial identity monitoring services for fraud protection, marketing, and analytics purposes for ecommerce transactions; Platform as a service (PAAS) featuring computer software platforms for the processing of ecommerce transactions that verify the identification and authentication of the mobile user for fraud prevention, the provision of financial information, and the capability to prescreen and extend offers of credit and market to ecommerce consumers through the use of ecommerce customer data and analytical tools
Providing temporary use of non-downloadable computer software for use in Employment verification, including creating, assembling and executing employment verification forms such as in locations where the employer is not present, for enabling employers to verify the employment eligibility status of newly hired employees
Employment verification, namely, providing a service for use in enabling employers to verify the employment eligibility status of newly-hired employees; "I-9"
Class 036: Credit information services, namely, providing information relating to applicants for credit; credit evaluation, decisioning, and analysis; financial risk services for others, namely, providing risk forecasting to credit grantors
Commercial information agency services for businesses, namely, compiling consumer demographic, lifestyle and/or behavioral data; fraud alert services, namely, monitoring consumer credit reports and providing an alert as to any changes therein; providing databases in the field of business data analysis | Credit evaluation, analysis and alert services; credit information services, namely, providing financial and credit information relating to consumer or commercial applicants for credit, mortgage loans, utility services and employment; financial risk services for others, namely, financial risk analysis and strategic financial risk advisory services; financial consulting services in the fields of account origination and portfolio management; providing estimates and indices to determine creditworthiness by classifying individuals according to wealth, affluence, financial capacity and risk management; providing databases of financial and credit information | Monitoring of credit reports, the internet, and public records to facilitate the detection and prevention of identity theft and fraud; providing databases of information about fraud and identity theft protection
Class 042: Providing temporary use of non-downloadable software for business management services in the nature of processing automated applications, managing accounts, and assessing business risk based on information from commercial credit providers
Class 045: Fraud screening services, namely, services for detection and notification of potentially fraudulent activities and information pertaining to potentially fraudulent personal identifying data
Class 035: Providing business information services based on a tracking system that will allow users to identify and track businesses as they are bought and sold or change names or locations, and that provides information regarding the related and interdependent businesses of the listed businesses
Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, motor vehicle reports, consumer marketing, credit information, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing market survey research, providing mailing lists, and direct mail advertising services; target marketing services, namely, providing demographic, socioeconomic and financial information for target marketing purposes, and market analysis; providing information about employment and demographic data; employee relations business management services for the businesses of others, namely, employment and income verification services; providing employee self-service electronic means for reporting time or work accomplished and access to compensation, benefits and tax reporting information and electronic means for updating direct deposit and tax with holding compensation preferences; business management consulting services for the management and processing of unemployment claims, costs and taxes; business management services, namely, processing and management of unemployment claims for the businesses of others, account billing, monitoring and collecting; and data processing services in the field of account billing, monitoring and collecting | Consulting services in the field of life, health, property and casualty insurance; consulting services in the field of account origination and portfolio management; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, mortgage loans, utility services and employment and to fraud prevention; providing credit application processing; credit inquiry and consulting services; [ real estate appraisal services; ] providing an on-line computer database featuring information relating to insurance, credit, financial data, mortgage loans, and employment, and relating to motor vehicle reports, and to debt servicing; credit evaluation, analysis and alert services; and providing information relating to insurance, credit, mortgage loans and debt management; and excluding foreign exchange services and money market trading services | Educational services, namely, providing seminars relating to credit and money management via the global computer information network | Managed service provider, application service provider, and hosted services featuring software in the field of credit application processing, risk analysis, identity verification, data analysis, risk modeling and analytics, decisioning and analysis, and fraud protection
Computer software that streamlines and automates the application, decision-making and fulfillment process for various goods and services by organizing, cataloging and classifying data related to relevant application and approval criteria
Computer platform for use by others featuring software in the field of fulfillment, credit processing, risk analysis, identity verification, non-regulated and consumer reporting-agency data analysis, demographic analysis, credit risk modeling and analytics, credit reporting, credit letter generation, credit score and hypothetical credit score decisioning and analysis, credit marketing and account management
Credit inquiry; evaluation of credit bureau data; risk management; Application service provider (ASP) featuring software in the field of credit application processing, risk analysis, identify verification, consumer, non-regulated, and commercial reporting-agency data analysis, credit risk modeling and analytics, credit letter generation, credit score and hypothetical credit score decisioning and analysis, and credit fraud protection
commercial and consumer information services, namely, providing risk reduction advice and information in the field of fraud and security risk reduction
Provision of reports, warnings and notifications to others concerning changes and transactions impacting credit records and records containing personal information
Credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, mortgage loans, utility services and employment and fraud prevention; providing credit application processing; and credit inquiry and consulting services; providing online computer databases containing credit, debt, and motor vehicle financing information relating to applicants for credit and mortgage loans, and information relating to debt servicing; Commercial information agency services for businesses in the areas of credit information, real estate, property valuations, energy utilization, motor vehicle reports, consumer marketing; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing survey research, providing mailing lists, and direct mail advertising services, namely, providing demographic, socioeconomic and financial information for target marketing purposes and segmentation analysis; providing online computer databases containing information relating to employment verification and to demographic, socioeconomic, and financial data for target marketing
PROVIDING BACKGROUND INFORMATION TO OTHERS ABOUT HIGH-RISK INDIVIDUALS, ENTITIES, AND TRANSACTIONS IN THE FORM OF NEWS, REPORTS, WARNINGS AND NOTIFICATIONS VIA A GLOBAL COMPUTER INFORMATION NETWORK, TELEPHONE AND OTHER ELECTRONIC MEANS
Provision of news, reports, warnings, and notification information to others about high-risk individuals, entities and transactions through electronic, telephone and wireless communications media and devices
Class 035: COMMERCIAL INFORMATION AGENCY SERVICES FOR BUSINESS IN THE AREAS OF CREDIT INFORMATION, REAL ESTATE, PROPERTY VALUATIONS, ENERGY UTILIZATION, MOTOR VEHICLE REPORTS, CONSUMER MARKETING; MARKETING SERVICES, NAMELY, MARKET RESEARCH, MARKET DATA ANALYSIS, CONSULTING SERVICES IN THE AREA OF MARKETING PROGRAMS, CONDUCTING AND ANALYZING SURVEY RESEARCH, PROVIDING MAILING LIST, AND DIRECT MAIL ADVERTISING SERVICES, NAMELY, PROVIDING DEMOGRAPHIC, SOCIOECONOMIC AND FINANCIAL INFORMATION FOR TARGET MARKETING PURPOSES, AND SEGMENTATION ANALYSIS; PROVIDING ONLINE COMPUTER DATABASES CONTAINING INFORMATION RELATING TO EMPLOYMENT VERIFICATION, AND TO DEMOGRAPHIC, SOCIOECONOMIC AND FINANCIAL DATA FOR TARGET MARKETING; CONDUCTING AND ANALYZING SAFETY AND LOSS CONTROL SURVEYS; Class 036: CREDIT INFORMATION SERVICES, NAMELY, PROVIDING CREDIT INFORMATION RELATING TO CONSUMER OR COMMERCIAL APPLICANTS FOR CREDIT, MORTGAGE LOANS, UTILITY SERVICES AND EMPLOYMENT AND FRAUD PREVENTION; PROVIDING CREDIT APPLICATION PROCESSING; AND CREDIT INQUIRY AND CONSULTING SERVICES; PROVIDING ONLINE COMPUTER DATABASES CONTAINING CREDIT, DEBT, AND MOTOR VEHICLE FINANCING INFORMATION RELATING TO APPLICANTS FOR CREDIT AND MORTGAGE LOANS, AND INFORMATION RELATING TO DEBT SERVICING; Class 042: PROVIDING ONLINE COMPUTER DATABASES CONTAINING MOTOR VEHICLE REPORTS IN THE NATURE OF LEGAL RECORDS SUCH AS TITLE AND LIEN RECORDS
Credit information services namely providing credit information relating to consumer applicants for credit, mortgage loans, utility services and employment, and fraud prevention; providing credit application processing; credit inquiry and consulting services
Computerized database management, namely, matching and linking of data and data systems; customer data integration, management and enhancement; information management consulting services provided to others in the field of customer relationship management
Credit information services namely providing credit information relating to consumer applicants for credit, mortgage loans, utility services and employment, and fraud prevention; providing credit application processing; credit inquiry and consulting services
Commercial information services, namely providing information about the personal identification data, name, location, age, and employment of individual consumers, via a computer data base
Class 035: Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, energy utilization, motor vehicle reports, consumer marketing, credit information, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing market survey research, providing mailing lists, and direct mail advertising services; target marketing services, namely, providing demographic, socioeconomic and financial information for target marketing purposes, and market analysis; providing information about employment and demographic data; Class 036: Consulting services in the field of life, health, property and casualty insurance; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, utility services and employment and to fraud prevention; providing credit application processing; credit inquiry and consulting services; real estate appraisal services; providing an on-line computer database featuring information relating to insurance, credit, and financial data; providing information relating to insurance, credit, mortgage loans and debt management; Class 041: Educational services, namely, providing seminars relating to credit and money management via the global computer information network
Class 035: Commercial information agency services for businesses in the areas of real estate, property valuations, pre-employment screening, energy utilization, motor vehicle reports, consumer marketing, credit information, and life, health, property and casualty insurance; marketing services, namely, market research, market data analysis, consulting services in the area of marketing programs, conducting and analyzing market survey research, providing mailing lists, and direct mail advertising services; target marketing services, namely, providing demographic, socioeconomic and financial information for target marketing purposes, and market analysis; providing information about employment and demographic data; Class 036: Consulting services in the field of life, health, property and casualty insurance; credit information services, namely, providing credit information relating to consumer or commercial applicants for credit, utility services and employment and to fraud prevention; providing credit application processing; credit inquiry and consulting services; real estate appraisal services; providing an on-line computer database featuring formation relating to insurance, credit, and financial data; providing information relating to insurance, credit, mortgage loans and debt management; Class 041: Educational services, namely, providing seminars relating to credit and money management via the global computer information network