Concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered together in a hotel, apartment complex, cruise ship, shopping center, or urban area; Hotel concierge services; Identification verification services, namely, providing authentication of personal identification information; Identification verification services, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet; Personal lifestyle consulting services; Providing user authentication services in e-commerce transactions; Reminder services in the area of upcoming important dates and events