1. A computer-implemented process of authenticating a user requesting access to protected resource using credentials that are personalized using formatting options, the process comprising: using a computing device to perform the steps of: capturing credentials from the user which are formatted using formatting options, wherein the credentials comprise one or more of formatted user name, formatted password or formatted numerical PIN, and wherein the formatting options comprise Font, Font Size, Font Color, Shading, Font Style, Font Effects, Font Underline, and character effects; comparing the captured formatted credentials against formatted credentials stored on a server that are designated by the user as valid credentials prior to requesting access; flagging the captured credentials as valid and allowing the user to have access when the comparison indicates that a match occurs; flagging the captured credentials as invalid and rejecting the request for access when the comparison indicates that a match does not occur; alerting the user via alert communication methods chosen by the user including email, text message, voice message, voice call, SMS, audible alarm, or visual clues; and logging the user request and the steps performed by the computing device.
1. A computer-implemented process of authenticating a user requesting access to protected resource using credentials that are personalized using formatting options, the process comprising: using a computing device to perform the steps of: capturing credentials from the user which are formatted using formatting options, wherein the credentials comprise one or more of formatted user name, formatted password or formatted numerical PIN, and wherein the formatting options comprise Font, Font Size, Font Color, Shading, Font Style, Font Effects, Font Underline, and character effects; comparing the captured formatted credentials against formatted credentials stored on a server that are designated by the user as valid credentials prior to requesting access; flagging the captured credentials as valid and allowing the user to have access when the comparison indicates that a match occurs; flagging the captured credentials as invalid and rejecting the request for access when the comparison indicates that a match does not occur; alerting the user via alert communication methods chosen by the user including email, text message, voice message, voice call, SMS, audible alarm, or visual clues; and logging the user request and the steps performed by the computing device. 5. The process of claim 1 , wherein the protected resource is a software application, software service, website, web service, data, hardware device, mobile app, smartphone app, physical area, physical item, bank account, trading account, credit limit, monetary balance, reward points, computer device, or communication device.