User authentication services using technology for e-commerce transactions; Providing user authentication services using single sign-on technology for online software applications; Software as a service (SAAS) services featuring software for use in conducting marketing, accounting, work management, document management and sharing, website activity monitoring, and competitor analysis; Software as a service (SAAS) services, namely, hosting software for use by others for marketing, accounting, work management, document management and sharing, website activity monitoring, and competitor analysis