Computerized authorization system and method

1. A computerized authorization system configured to authorize electronically-made requests made to an electronic entity, the computerized authorization system comprising:

a hardware storage device, wherein the hardware storage device is configured to store m identifiers of m corresponding predetermined electronic authorization hardware devices, wherein each of the m predetermined electronic authorization hardware devices is associated with one, and only one user, of n users, where m and n are integers, n≧2, and n≦m;

one or more processors, wherein the one or more processors is configured to receive an indication of an electronically-made request made to an electronic entity, from the electronic entity;

wherein each predetermined electronic authorization hardware device, of the m predetermined electronic authorization hardware devices, is configured to receive the indication of the electronically-made request from the one or more processors, and configured to output an authorization of the electronically-made request by the user, of the n users, associated with the each predetermined electronic authorization hardware device, to the one or more processors, upon receipt of an authorization input from the user, of the n users, associated with the each predetermined electronic authorization hardware device:

wherein when the one or more processors receives the indication of the electronically-made request, from the electronic entity, the one or more processors output the indication of the electronically-made request to the m predetermined electronic authorization hardware devices; and

wherein when the one or more processors receives one or more authorizations of the electronically-made request from a corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices, an indication of authorization of the electronically-made request is output to the electronic entity if the one or more authorizations of the electronically-made request received by the one or more processors meet a predetermined criterion,

wherein the one or more processors is configured to transmit a message to the electronic entity when the one or more processors receive an indication that the electronically-made request is fraudulent from at least one of the m predetermined electronic authorization hardware devices.

2. A computerized authorization system according to claim 1 , wherein if the one or more authorizations of the electronically-made request that meet the predetermined criterion is not received from the corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices within a predetermined time an indication that the electronically-made request is rejected is output to the electronic entity.

3. A computerized authorization system according to claim 1 , wherein the message is an indication that the electronically-made request is fraudulent.

4. A computerized authorization system according to claim 1 , wherein when the indication that the electronically-made request is fraudulent is received from the at least one of the m predetermined electronic authorization hardware devices, an identity request is made to identify an electronic device that made the electronically-made request and/or a user of the electronic device that made the electronically-made request.

5. A computerized authorization system according to claim 4 , wherein the identity request comprises a signal being sent to the electronic device that made the electronically-made request, to capture an image of the user of the electronic device that made the electronically-made request.

6. A computerized authorization system according to claim 1 , wherein the m predetermined electronic authorization hardware devices are different devices than an electronic device that made the electronically-made request.

7. A computerized authorization system according to claim 1 , wherein the predetermined criterion is the one or more authorizations of the electronically-made request being at least a predetermined number of authorizations of the electronically-made request, wherein a value of the predetermined number of authorizations of the electronically-made request is greater than n/2.

8. A computerized authorization system according to claim 7 , wherein the hardware storage device is configured to store the value of the predetermined number.

9. A computerized authorization system according to claim 1 , wherein at least one of said one or more authorizations of the electronically-made request on behalf of a corresponding at least one of the n users is automatically provided if at least one predetermined user-established criterion is met.

10. A computerized authorization system according to claim 9 , wherein the hardware storage device is configured to store the at least one predetermined user-established criterion.

11. A computerized authorization system according to claim 9 , wherein the at least one predetermined user-established criterion is set by the m predetermined electronic authorization hardware devices.

12. A computerized authorization system according to claim 1 , comprising a plurality of computers and/or servers on a network.

13. The computerized authorization system according to claim 1 , further comprising:

m predetermined electronic authorization hardware devices, wherein each predetermined electronic authorization hardware device of the m predetermined electronic authorization hardware devices comprises:

an input interface configured to receive, from the one or more processors, the indication of the electronically-made request made to the electronic entity, from a different electronic device;

a user interface configured to indicate the indication of the electronically-made request and to allow a user to input an authorization input; and

an output interface configured to output an indication of authorization of the electronically-made request, to the one or more processors;

wherein when the indication of the electronically-made request is received by each predetermined electronic authorization hardware device, from the one or more processors, at the input interface, the user interface indicates the indication of the electronically-made request; and

wherein when the user inputs an authorization input, at the input interface, the indication of authorization of the electronically-made request is output to the one or more processors, from the output interface.

14. The computerized authorization system according to claim 1 , wherein the indication of the electronically-made request output to the m predetermined electronic authorization hardware devices and the one or more authorizations of the electronically-made request output from a corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices are transmitted via hypertext transfer secure protocol.

15. A computerized authorization method, the computerized authorization method comprising:

receiving an indication of an electronically-made request made to an electronic entity, from the electronic entity;

sending the indication of the electronically-made request to m predetermined electronic authorization hardware devices identified by m corresponding identifiers stored in a hardware storage device, wherein each of the m predetermined electronic authorization hardware devices is associated with one, and only one user, of n users, where m and n are integers, n≧2, and n≦m, wherein each predetermined electronic authorization hardware device, of the m predetermined electronic authorization hardware devices, is configured to receive the indication of the electronically-made request and configured to output an authorization of the electronically-made request by the user, of the n users, associated with the each predetermined electronic authorization hardware device, upon receipt of an authorization input from the user, of the n users, associated with the each predetermined electronic authorization hardware device; and

receiving one or more authorizations of the electronically-made request from a corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices;

sending an indication of authorization of the electronically-made request to the electronic entity, if the one or more authorizations of the electronically-made request meet a predetermined criterion; and

transmitting a message to the electronic entity if an indication that the electronically-made request is fraudulent is received from at least one of the predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices.

16. A computerized authorization method according to claim 15 , further comprising:

sending an indication that the electronically-made request is rejected, to the electronic entity, if the one or more authorizations of the electronically-made request meeting the predetermined criterion is not received from the one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices within a predetermined time.

17. A computerized authorization method according to claim 15 , wherein the message is an indication that the electronically-made request is fraudulent.

18. A computerized authorization method according to claim 15 , further comprising:

making an identity request to identify an electronic device that made the electronically-made request and/or a user of the electronic device that made the electronically-made request.

19. A computerized authorization method according to claim 18 , wherein making the identity request comprises sending a signal to the electronic device that made the electronically-made request, to capture an image of the user of the electronic device that made the electronically-made request.

20. A computerized authorization method according to claim 15 , wherein the m predetermined electronic authorization hardware devices are different devices than an electronic device that made the electronically-made request.

21. A computerized authorization method according to claim 15 , wherein the predetermined criterion is the one or more authorizations of the electronically-made request being at least a predetermined number of authorizations of the electronically-made request, wherein a value of the predetermined number of authorizations of the electronically-made request is greater than n/2.

22. A computerized authorization method according to claim 21 , comprising storing the value of the predetermined number in the hardware storage device.

23. A computerized authorization method according to claim 15 , further comprising automatically providing at least one of said one or more authorizations of the electronically-made request on behalf of a corresponding at least one of the n users if at least one predetermined user-established criterion is met.

24. A computerized authorization method according to claim 23 , further comprising storing the at least one predetermined user-established criterion in the hardware storage device.

25. A computerized authorization method according to claim 24 , further comprising the m predetermined electronic authorization hardware devices setting the at least one predetermined user-established criterion.

26. A computerized authorization method according to claim 15 , wherein

sending the indication of the electronically-made request to m predetermined electronic authorization hardware devices identified by m corresponding identifiers stored in the hardware storage device; and

receiving one or more authorizations of the electronically-made request from the corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices

is carried out by a plurality of computers and/or servers on a network.

27. The computerized authorization method according to claim 15 , wherein the indication of the electronically-made request sent to the m predetermined electronic authorization hardware devices and the one or more authorization of the electronically-made request received from a corresponding one or more predetermined electronic authorization hardware device of the m predetermined electronic authorization hardware devices are transmitted via hypertext transfer secure protocol.

28. A non-transitory computer-readable medium containing a set of instructions that when executed cause a computer to perform a method comprising:

receiving an indication of an electronically-made request made to an electronic entity, from the electronic entity;

sending the indication of the electronically-made request to m predetermined electronic authorization hardware devices identified by m corresponding identifiers stored in a hardware storage device, wherein each of the m predetermined electronic authorization hardware devices is associated with one, and only one user, of n users, where m and n are integers, n≧2, and n≦m, wherein each predetermined electronic authorization hardware device, of the m predetermined electronic authorization hardware devices, is configured to receive the indication of the electronically-made request and configured to output an authorization of the electronically-made request by the user, of the n users, associated with the each predetermined electronic authorization hardware device, upon receipt of an authorization input from the user, of the n users, associated with the each predetermined electronic authorization hardware device;

receiving one or more authorizations of the electronically-made request from a corresponding one or more predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices;

sending an indication of authorization of the electronically-made request to the electronic entity, if the one or more authorizations of the electronically-made request meet a predetermined criterion; and

transmitting a message to the electronic entity if an indication that the electronically-made request is fraudulent is received from at least one of the predetermined electronic authorization hardware devices of the m predetermined electronic authorization hardware devices.