Providing temporary use of on-line non-downloadable software for enabling secured access to computer networks and global communications networks; providing temporary use of on-line non-downloadable software for personal and user verification in the fields of computer network security, personal identification authentication, and credit card verification; providing temporary use of on-line non-downloadable software for personal and user identification and access via the internet and via local area and wireless networks; providing temporary use of on-line non-downloadable software for verifying personal user identification of the computer user by means of password entry and behavioral biometrics; providing temporary use of on-line non-downloadable software for database management relating to travel reservations and incentive awards programs; providing temporary use of on-line non-downloadable software for managing, retrieving, and storing information and data relating to loyalty program membership points, rewards, and privileges