7. A computer-implemented user authentication process that is independently invokable for authenticating a user request to access a protected resource or to supplement authenticating a user requesting access to the protected resource, the process comprising: using a computing device to perform the steps of: delivering formatting instructions, which instruct the user how to format a given text using formatting options comprising of Font, Font Size, Font Color, Shading, Font Style, Font Effects, Font Underline, and character effects, to the user over an alternate channel including Email, SMS, voice message, picture message, video message, or hardware device given to user to receive instructions remotely; providing the text to the user to format; capturing the text on which the user has applied formatting using the formatting instructions; comparing the captured formatted text against a stored text on a server that is formatted using same instructions sent to the user using the alternate channel; flagging the captured text as correctly formatted and alternate authentication process as success when the comparison indicates that a match occurs; flagging the captured text as incorrectly formatted and alternate authentication process as failure when the comparison indicates that a match does not occur; alerting user via alert communication methods of user including email, text message, voice message, voice call, SMS, audible alarm, or visual clues; and logging the steps performed by the computing device.
7. A computer-implemented user authentication process that is independently invokable for authenticating a user request to access a protected resource or to supplement authenticating a user requesting access to the protected resource, the process comprising: using a computing device to perform the steps of: delivering formatting instructions, which instruct the user how to format a given text using formatting options comprising of Font, Font Size, Font Color, Shading, Font Style, Font Effects, Font Underline, and character effects, to the user over an alternate channel including Email, SMS, voice message, picture message, video message, or hardware device given to user to receive instructions remotely; providing the text to the user to format; capturing the text on which the user has applied formatting using the formatting instructions; comparing the captured formatted text against a stored text on a server that is formatted using same instructions sent to the user using the alternate channel; flagging the captured text as correctly formatted and alternate authentication process as success when the comparison indicates that a match occurs; flagging the captured text as incorrectly formatted and alternate authentication process as failure when the comparison indicates that a match does not occur; alerting user via alert communication methods of user including email, text message, voice message, voice call, SMS, audible alarm, or visual clues; and logging the steps performed by the computing device. 16. The process of claim 7 , wherein formatting instructions delivered are in the form of format instruction hints that the user has setup while configuring a set of formatting instructions for the process to choose randomly when the user makes access request.