Application service provider (ASP) featuring application-to-person (A2P) software for use in one-way text message communication from credential issuers to selected subscribers; Computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; Electronic signature verification services using technology to authenticate user identity; Providing user authentication services using single sign-on technology for online software applications; Providing user authentication services using multi-factor authentication for e-commerce transactions