Patent US 9,536,069

We propose a method that uses formatting options of Font, Font Size, Font Color, Shading, Font Style, Font Effects, Font Underline, Character Effects, Picture coloring, as a part of user passwords, credentials, electronic signature, challenge for user authentication and captcha verification. User personalizes user name and or password or text by choosing combination of proposed factors for each character or word in password. Method includes optional time range where user would have different password and factor combinations for each time range. We also propose a method to use these factors for multi-factor authentication where user is required to format given text as per remotely sent instructions. We propose variation of proposed method that would send text and the instruction to format it using different factors through separate communication channels.For user verification, our method asks user to format the given text or given picture as instructed using different formatting options.