Providing online, non-downloadable software for identity verification and authentication; Providing online, non-downloadable software for verifying mobile user identity and managing digital identities; Providing online, non-downloadable software for providing user identity information and analytics to customers; Providing electronic verification services using technology to authenticate user identity across multiple mobile devices and via mobile operator networks, wireless Internet, wireless networks and cable networks; Providing electronic verification services using technology to authenticate user identity in association with any transaction to assert identity of a user of a mobile device, a user of a personal computer, or a person calling into a call center; Platform as a service (PAAS) featuring computer software platforms for use in verifying and authenticating mobile device users; Computer services, namely, providing verification services using technology to authenticate mobile device user identity