Providing user authentication services using single sign-on technology, two factor sign-on technology, software technology, email based technology, social media based technology, and SMS based technology in e-commerce, financial and electronic transactions through a website, internet connections, electronic mail, SMS, mobile devices, social media, and web based electronic networks; providing temporary use of on-line nondownloadable authentication software for user authentication services in transactions conducted through a website, internet connections, electronic mail, SMS, mobile devices, social media, and web based electronic networks; providing user authentication services using single sign-on technology, software technology, email based technology, social media based technology, and SMS based technology in transactions conducted through a website, internet connections, electronic mail, SMS, mobile devices, social media, and web based electronic networks; providing a user authentication services using single sign-on technology, software technology, email based technology, social media based technology, and SMS based technology through a website; providing temporary use of on-line nondownloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of on-line non-downloadable software for use in controlling access privileges of users; providing temporary use of on-line non-downloadable software that provides user and device identity and access management to perform authentication and authorization functions in a networked and/or cloud environment; providing temporary use of on-line nondownloadable software for authenticating user identification