Downloadable computer application software for mobile phones, portable media players, and handheld computers, namely, software for user identity authentication, computer password management, password vault sharing, computer access management, personal identity information access and management, user identification, authentication, and verification with integrated multi-factor authentication, and for facilitating multi-factor authentication; Downloadable computer application software for authentication and authorization in the identity and access management field in virtual worlds; Downloadable computer application software for mobile phones, namely, software for protecting personal information and data security; Downloadable computer software for computer systems and network access control featuring digital identity authentication, security management and security application auditing; Downloadable computer software applications for identity management and identity security and for ensuring the security of computer networks, databases, computer software, software applications and software development tools; Downloadable software for use by others to manage network and database users, simplify user authentication, and control access to computer software, software applications and software development tools; Downloadable software for storing, managing, and retrieving computer user names, passwords, and other personal identification information; Downloadable mobile applications for providing authentication of personal identification information