Methods and systems for secure user authentication

1. A computer-implemented method for secure user authentication in electronic commerce, comprising:

maintaining on a transaction server electronic information having a first aspect, to which a user at a computing device is provided access over a first electronic communication channel in response to entry at the computing device of a first credential known to the user and a second aspect, to which the user at the computing device is provided access over the first electronic communication channel in response to entry at the computing device of a second credential provided to the user, said first electronic communication channel consisting at least in part of said computing device coupled over a network to the transaction server via an access server;

pre-registering with a message server a delivery address on a second electronic communication channel that is different from the first electronic communication at which the second credential is provided to the user, said second electronic communication channel consisting at least in part of a telecommunication device coupled over a telecommunication network to the message server;

providing the user successive current sessions of access to the first aspect of the electronic information by the access server in response to entry at the computing device of the first credential;

providing by the message server a new second credential to the user at the pre-registered delivery address via the second electronic communication channel in response to a user log-off at a conclusion of each of said successive current sessions of user access to the first aspect for use during a single immediately succeeding session of user access to the first aspect only after first checking and confirming an absence of a change of delivery address flag set for the user, or if a change of delivery address flag for the user is present, after first confirming an expiration of a pre-determined period of time since the change of address flag was set for the user; and

providing the user at the computing device a session of access to the second aspect of the electronic information by the access server via the first electronic communication channel in response to entry at the computing device of the new second credential during the single immediately succeeding session of user access to the first aspect.

2. The method of claim 1 , wherein said first aspect further comprises pre-selected non-sensitive transaction aspects of the electronic information and said second aspect further comprises pre-selected sensitive transaction aspects of the electronic information.

3. The method of claim 1 , wherein said network over which the computing device is coupled to the transaction server further comprises a global network and said access server further comprises a website server.

4. The method of claim 1 , wherein said computing device further comprises a self-service financial transaction terminal, said network over which the computing device is coupled to the transaction server further comprises a self-service financial transaction terminal network, and said access server further comprises a host server.

5. The method of claim 1 , wherein said first credential further comprises a password selected by the user for identifying the user.

6. The method of claim 1 , wherein said second credential further comprises a randomly generated secret code for identifying the user that is provided to the user.

7. The method of claim 1 , wherein said second credential is provided to the user for a single session of access to the second aspect of the electronic information.

8. The method of claim 1 , wherein said second credential has a pre-determined expiry, after which the second credential is no longer valid for accessing the second aspect of the electronic information.

9. The method of claim 1 , wherein pre-registering said delivery address on the second electronic communication channel further comprises pre-registering a mobile telecommunication device address for providing the user the second credential.

10. The method of claim 1 , wherein providing said second credential to the user via the second electronic communication channel further comprises providing the second credential to the user by text message.

11. A computer system for secure user authentication in electronic commerce, comprising:

a transaction server that stores electronic information having a first aspect, to which a user at a computing device is provided access over a first electronic communication channel in response to entry at the computing device of a first credential known to a user and a second aspect, to which the user at the computing device is provided access over the first electronic communication channel in response to entry of a second credential provided to the user, said first electronic communication channel consisting at least in part of said computing device coupled over a network to the transaction server via an access server;

a message server with which a delivery address on a second electronic communication channel that is different from the first electronic communication channel is pre-registered at which the second credential is provided to the user, said second electronic communication channel consisting at least in part of a telecommunication device coupled over a telecommunication network to the message server;

said access server that further provides the user a successive current sessions of access to the first aspect of the electronic information in response to entry at the computing device of the first credential;

said message server that provides a new second credential to the user at the pre-registered delivery address via the second electronic communication channel in response to a user log-off at a conclusion of each of said successive current sessions of user access to the first aspect for use during a single immediately succeeding session of user access to the first aspect only after first checking and confirming an absence of a change of delivery address flag set for the user, or if a change of delivery address flag for the user is present, after first confirming an expiration of a pre-determined period of time since the change of address flag was set for the user; and

said access server that additionally provides the user at the computing device a session of access to the second aspect of the electronic information via the first electronic communication channel in response to entry at the computing device of the new second credential during the single immediately succeeding session of user access to the first aspect.