Methods And Systems For Delivering Sponsored Out-Of-Band Passwords
Methods and systems for delivering advertising content to selected users in combination with out-of-band passwords or access code information delivered over a selected communication medium.
1 . A method of delivering a sponsored message to a user during an authenticating transaction comprising the following steps of:
selecting an authentication server coupled to a computer readable memory with password information and a selection of sponsored messages;
requesting an out-of-band password from the authentication server during the authenticating transaction via a first communication channel; and
delivering the out-of-band password to the user accompanied by a sponsored message selected from the selection of sponsored messages via a second communication channel.
2 . The method of claim 1 , wherein the first communication channel is user defined or selected.
3 . The method of claim 1 , wherein the second communication channel is a telephone connection.
4 . The method of claim 1 , wherein the second communication channel is at least one of the following: an e-mail connection, a US mail service, an overnight or personal courier service, a facsimile machine transmission.
5 . The method of claim 1 , wherein the authenticating transaction is for a financial or non-financial transaction.
6 . The method of claim 1 , wherein the first communication channel is the Internet and the second communication channel is a telephone connection.
7 . The method of claim 6 , wherein the authentication transaction is for a financial or non-financial transaction performed over the Internet.
8 . A computer-readable medium for delivering a sponsored message to a user during an authenticating transaction including instructions that when executed on a computer cause the computer to:
select an authentication server coupled to a computer readable memory with password information and a selection of sponsored messages;
request an out-of-band password from the authentication server during the authenticating transaction via a first communication channel; and
deliver the out-of-band password to the user accompanied by a sponsored message selected from the selection of sponsored messages via a second communication channel.
9 . The computer readable medium of claim 8 , wherein the first communication channel is user defined or selected.
10 . The computer readable medium of claim 8 , wherein the second communication channel is a telephone connection.
11 . The computer readable medium of claim 8 , wherein the second communication channel is at least one of the following: an e-mail connection, a US mail service, an overnight or personal courier service, a facsimile machine transmission.
12 . The computer readable medium of claim 8 , wherein the authenticating transaction is for a financial or non-financial transaction.
13 . The computer readable medium of claim 8 , wherein the first communication channel is the Internet and the second communication channel is a telephone connection.
14 . The computer readable medium of claim 13 , wherein the authentication transaction is for a financial or non-financial transaction performed over the Internet.
15 . A system for authenticating a transaction with a user, the system comprising:
an authentication server configured to receive a request from a user over a first communication channel for an out-of-band password; and
a password generating module to generate the out-of-band password; and
a targeted advertising module to select an advertisement; and
wherein the authentication server transmits the out-of-band password to the user over a second communication channel accompanied by the advertisement derived from the targeted advertising module.
16 . The system of claim 15 , wherein the first communication channel is user defined or selected.
17 . The system of claim 15 , wherein the second communication channel is a telephone connection.
18 . The system of claim 15 , wherein the second communication channel is at least one of the following: an e-mail connection, a US mail service, an overnight or personal courier service, a facsimile machine transmission.
19 . The system of claim 15 , wherein the authenticating transaction is for a financial or non-financial transaction.
20 . The system of claim 15 , wherein the first communication channel is the Internet and the second communication channel is a telephone connection.
21 . The system of claim 20 , wherein the authentication transaction is for a financial or non-financial transaction performed over the Internet.