OPTICAL APPARATUS AND INSTRUMENTS, FOR IDENTIFICATION AND VERIFICATION OF INDIVIDUALS, NAMELY FINGERPRINT SENSORS, VOICE SENSORS, OPTICAL SENSORS, NAMELY CAMERAS FOR IDENTIFYING EYES AND/OR FACES; PRINTED CIRCUIT CARDS; APPLICATION SPECIFIC INTEGRATED CIRCUITS (ASIC); SMART CARDS, COMPUTER PERIPHERAL DEVICES NAMELY KEYBOARDS AND MOUSE; COMPUTER MEMORIES; AND COMPUTER SOFTWARE PROGRAM FOR USE IN VERIFYING AND IDENTIFYING INDIVIDUALS