Application service provider (ASP) featuring software for use authenticating account owners utilizing password hopping technology via websites or mobile apps; Application service provider featuring application programming interface (API) software for enabling websites requiring user authentication the ability to utilize password hopping technology; Providing a website featuring non-downloadable software for configuring password hopping services to be performed by an external service; Providing a website featuring resources, namely, non-downloadable software for configuring and managing password hopping services ; Providing on-line non-downloadable software for enabling password hopping services for account owners