Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) a authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A computer method for maintaining a hack trap by employing a Malware Diagnostics software module on every client system on the Internet. The Malware Diagnostics module includes a hacker spyware that communicates with a central data vault. The primary steps of the present method include: 1) deployment, by identifying the IP and MAC address of the hacker and downloading the Malware Diagnostics spyware; 2) monitoring, the Malware Diagnostics spyware covertly monitoring the hacker; 3) reporting, the Malware Diagnostics software module on the client system and the Malware Diagnostics downloadable infecting the hacker's system both reporting to a central geolocation server; 4) analyzing, the central geolocation server applying analytics to determine the geolocation and identity of the hacker; and 5) prosecuting, the central geolocation server preparing an indictment against the hacker for signature by the victim, as a formal accusation that the hacker has committed a crime.

Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) a authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

Abstract: A system including an Internet based server running a central data repository database, and deploying spiders to scour the Internet analyzing the millions of product-oriented web pages and newsgroup postings, plus a server application for classifying and indexing all of the information derived from the spiders. The web server pushes downloadable—“Rich Internet Application” (RIA) client application to subscribers running client devices. The RIA client application is accessible directly from any other enabled native application to draw information from the central data repository. The RIA client application presents a navigational user-interface on the client device that presents an array of robust information tools necessary for consumers to obtain a comprehensive shopping and purchase support and participate in alternative marketplaces without leaving the other native application pages they are viewing.

Abstract: A system including an Internet based server running a central data repository database, and deploying spiders to scour the Internet analyzing the millions of product-oriented web pages and newsgroup postings, plus a server application for classifying and indexing all of the information derived from the spiders. The web server pushes downloadable—“Rich Internet Application” (RIA) client application to subscribers running client devices. The RIA client application is accessible directly from any other enabled native application to draw information from the central data repository. The RIA client application presents a navigational user-interface on the client device that presents an array of robust information tools necessary for consumers to obtain a comprehensive shopping and purchase support and participate in alternative marketplaces without leaving the other native application pages they are viewing.