Providing user authentication services using software technology for age and identity verification in online and e-commerce transactions; user authentication services using age and verification technology for online gaming software; application service provider, namely, hosting, managing, developing, analyzing, and maintaining applications, software and web sites of others in the field of fraud detection; providing online non-downloadable software for the development of computer software and applications with functionality for preventing fraud and detecting, monitoring and verifying age and identity information; Software as a service (SAAS) services featuring software for online age and identify verification, authentication, fraud prevention and cybersecurity; providing temporary use of online non-downloadable software for age and identity verification and fraud prevention