COMPUTER SOFTWARE AND FIRMWARE FOR VERIFYING USER IDENTITY IN ALL OF THE FOLLOWING - COMPUTER BASED NETWORKS, PERSONAL COMPUTER SYSTEMS AND PERIPHERAL DEVICES THEREFORE, NETWORK COMPUTERS, LAPTOP COMPUTERS, ELECTRONIC ORGANIZERS, TELEVISION VIA GLOBAL COMPUTER NETWORKS, LOCAL AREA NETWORKS, GLOBAL COMMUNICATIONS NETWORKS, AUTOMATED TELLER MACHINES, SMART TELEPHONES, SMART CARDS OR SMART CARD READERS