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