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Computer software for use in identifying and assessing risks related to potential employees and customers, including identifying risks through criminal background checks, driving record reports, credit histories, civil records, previous employment verification, professional licenses verification, education verification, aliases, current and previous addresses, social security and telephone numbers; computer programs and databases accessible via a global computer network for use in identifying and assessing risks related to potential employees and customers, including identifying risks through criminal background checks, driving record reports, credit histories, civil records, previous employment verification, professional licenses verification, education verification, aliases, current and previous addresses social security and telephone numbers