42 Providing user authentication services using biometric hardware and software technology, bar code technology, short-range wireless communication technology, block chain technology, pass-phrase technology, personal identification number technology, cryptographic based protocols, or single sign-on technology for remote network-based transactions and in-person transactions; authentication technology services, namely, providing secure server and mobile device technology services using user identity data stored on a computer network to validate user identities; software as a service (SaaS) services, namely, hosting software for use by others for authenticating user identities; Identification verification services for businesses, namely, verification of identities of individuals for fraud prevention and risk assessment purposes; providing temporary use of online non downloadable software for identity verification; software as a service (SaaS) services, namely, hosting software for use by others for identity verification