Abstract: A novel method of providing verifications for access to stored data programs within a cloud server protocol is provided. Such a method is operated through the implementation of a specific algorithm that permits a cloud server the means to communicate directly, reliably, safely, and nearly instantaneously with an individual (or his or her proxy) (at multiple contact points) for verification purposes in relation to an established data program stored within such a cloud server (whether in terms of written documentation, bank account, secure information, etc.). Such verifications may thus permit quick and reliable access to secured cloud programs such that only those individuals (or other entities) that are authenticated for such access through the utilization of such a verification procedure are permitted in such an instance.

Abstract: A novel method of substantially, if not totally, eliminating financial account fraud through the implementation of a specific algorithm that permits a financial institution the means to communicate directly and nearly instantaneously with an account holder for verification purposes during a financial transaction. The overall system depends on a string variable method that accords a limited number of representations to all the words and numbers of a specific human language in order to provide a suitable machine language translation for the capability of communicating quickly and effectively between a financial institution, an account holder, and possibly, a third party. Through a link between the digital communication platform set up by the variable string algorithm between the financial institution's system and at least one account holder electronic device, such communications, which do not require any need to divulge personal or other information of the account holder, ensure such transactions are proper.