Downloadable computer application software for mobile phones, portable media players, and handheld computers, namely, software for user identity authentication, computer password management, password vault sharing, computer access management, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; Downloadable computer software for identity authentication, computer password management, password vault sharing, computer access management, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; downloadable computer software for enabling application extensions within web browsers for user identity authentication, computer password management, password vault sharing, computer access management, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, facilitating multi-factor authentication and, sensitive information storage, access and management | Providing temporary use of non-downloadable cloud-based software for user identity authentication, computer password management, password vault sharing, computer access management, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; providing temporary use of non-downloadable cloud-based software for backing up on-premise hosted data
