A multichannel security system for accessing a host computer comprising: an access channel comprising: interception means for receiving and verifying a login identification originating from a demand from an accessor for access to said host computer; and an authentication channel comprising: a security computer for receiving from said interception means said demand for access together with said login identification and for communicating access information to said host computer and for communicating with a peripheral device of said accessor; a database having at least one peripheral address record corresponding to said login identification; prompt means for instructing said accessor to re-enter predetermined data at and retransmit predetermined data from said peripheral device; and comparator means for authenticating access demands in response to the retransmission of said predetermined data by verifying a match between said predetermined data and said re-entered and retransmitted data, wherein said security computer outputs an instruction to the host computer to either grant access thereto using said access channel or to deny access thereto. view more

A multichannel security system as described in claim 1 wherein said security computer further comprises: authentication program means for authenticating access to said host computer; a biometric analyzer operating in response to instructions from said authentication program means for analyzing a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A multichannel security system for granting and denying access to a host computer, said access in response to a demand from an accessor for access to the host computer, said accessor having a cellular telephone for providing communications to the security system, said multichannel security system comprising: a login identification accompanying said demand from said accessor; interception means for receiving and verifying said login identification, said interception means in an access channel; an authentication channel operating independently from said access channel, said authentication channel comprising: a security computer adapted in an access-channel mode to receive from said interception means said demand for access together with said login identification and to communicate access information to said host computer and in an authentication-channel mode communications with said cellular telephone; a subscriber database for retrieval of peripheral addresses corresponding to said login identification; wherein said security computer is adapted to connect to said associated cellular telephone of said accessor; prompt means for instructing said accessor to re-enter predetermined data at and retransmit predetermined data from said cellular telephone; comparator means for authenticating access demands in response to retransmission of predetermined data from said cellular telephone; said security computer, upon verifying a match between said predetermined data and said re-entered and retransmitted data, providing in the access-channel mode instructions to the host computer to grant access thereto along said access channel; authentication program means, operating independently from said host computer, for authenticating said accessor demanding access to said host computer; a biometric analyzer operating in response to said instructions from said authentication program means to analyze a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A multichannel security system as described in claim 11 wherein said biometric analyzer comprises a fingerprint verification program for operation within said authentication channel to authenticate said accessor.

A multichannel security system for granting and denying access to a host computer, said access in response to a demand over the Internet from an accessor for access to the host computer, said accessor having a personal digital assistant (PDA) for providing communications to the security system, said multichannel security system comprising: a login identification accompanying said demand over the internet from said accessor; interception means for receiving and verifying said login identification, said interception means in an access channel; an authentication channel operating independently from said access channel and, said authentication channel, in turn, comprising; a security computer adapted in an access-channel mode to receive from said interception means said demand together with said login identification and to communicate access information to said host computer and in an authentication-channel mode communications with said PDA; a subscriber database for retrieval of peripheral addresses corresponding to said login identification; said security computer adapted to connect to said PDA; prompt means for instructing said accessor to re-enter predetermined data at and retransmit predetermined data from said PDA; comparator means for authenticating access demands in response to retransmission of predetermined data from said PDA; said security computer, upon verifying a match between said predetermined data and the re-entered and retransmitted data, providing in the access-channel mode instructions to the host computer to grant access thereto along said access channel; authentication program means, operating independently from said host computer, for authenticating an accessor demanding access to said host computer; a biometric analyzer operating in response to instructions from said authentication program means to analyze a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A multichannel security system as described in claim 18 wherein said biometric analyzer comprises a fingerprint verification program for operation within said authentication channel to authenticate the accessor.

A method for accessing a host computer comprising the steps of: in an access channel, receiving at a control module a login identification from an accessor; in an authentication channel that is separate from the access channel: providing a security computer comprising a subscriber database, the database having at least one peripheral address of a peripheral device; receiving in the security computer an intercepted login identification corresponding to the login identification; retrieving a peripheral address corresponding to the intercepted login identification; outputting to the peripheral address a first instruction to re-enter predetermined data at and retransmit the predetermined data from the peripheral device; comparing at the security computer the re-entered and retransmitted data; and outputting a second instruction to the host computer to either grant access thereto using the access channel or to deny access thereto. view more

The method according to claim 21, wherein the peripheral device is one of a telephone, a cellular telephone, and a PDA each having an input device for entering data.

The method according to claim 21, further comprising the steps of: providing in the authentication channel a biometric analyzer for analyzing a monitored parameter of the accessor; providing a biometric parameter database addressable by the biometric analyzer for retrieval of a previously registered sample of the accessor, the sample corresponding to the identification of the accessor; and, authenticating access to the host computer using the biometric analyzer. view more

The method according to claim 28, wherein the biometric analyzer comprises a fingerprint verification device.

A software method for employing a multichannel security system to control access to a computer, comprising the steps of: receiving at an interception device in a first channel a login identification demand to access a host computer also in the first channel; verifying the login identification; receiving at a security computer in a second channel the demand for access and the login identification; outputting from the security computer a prompt requesting transmission of data; receiving the transmitted data at the security computer; comparing the transmitted data to predetermined data; and depending on the comparison of the transmitted and the predetermined data, outputting an instruction from the security computer to the host computer to grant access to the host computer or deny access thereto. view more

The method according to claim 1, wherein the security computer receives the demand and login identification from the interception device.

The method according to claim 1, wherein the demand is received from a client computer, and wherein the host computer is a web server.

The method according to claim 1, wherein the step of verifying comprises retrieving from a database having at least one address record a record corresponding to the login identification.

The method according to claim 1, wherein the transmitted data is received from a peripheral device.

The method according to claim 5, wherein the peripheral device is one of a wired telephone, a wireless telephone, and a PDA.

The method according to claim 1, wherein the step of outputting the prompt comprises requesting a biometric signal.

The method according to claim 8, further comprising receiving in a biometric analyzer the biometric signal.

The method according to claim 10, wherein the biometric analyzer comprises one of a voice recognition program, a fingerprint verification program, or both.

The method according to claim 8, further comprising retrieving a previously registered sample corresponding to the login identification and comparing the same to the biometric signal.

The method according to claim 12, wherein the previously registered sample is stored in a biometric parameter database.

The method according to claim 12, wherein the previously registered sample comprises one of a speech sample and a fingerprint sample.

The method according to claim 1, wherein the step of outputting the prompt comprises transmitting a message.

The method according to claim 1, further comprising connecting or disconnecting the security computer to and from a peripheral device.

The method according to claim 1, wherein the security computer comprises an authentication program for authenticating access to the host computer.

The method according to claim 1, wherein the interception device is a router.

The method according to claim 1, wherein the first channel comprises one of a wide area network and a local area network.

A software method for employing a multichannel security system to control access to a computer, comprising the steps of: receiving at a security computer predetermined data sent via an authentication channel from a peripheral device; identifying the peripheral device from a subscriber database and verifying the predetermined data by comparing it to stored data associated with the peripheral device; receiving a demand to access a host computer via an access channel comprising a login identification of an accessor; receiving the login identification at an interception device and routing the login identification to the security computer; and at the security computer, verifying that the login identification matches the predetermined data, and if it does, outputting an instruction to either grant or deny access to the access channel. view more

The software method according to claim 46, further comprising outputting to the peripheral device over the authentication channel a prompt to enter the predetermined data, and receiving the predetermined data via the authentication channel from the peripheral device. view more

A software method for employing a multichannel security system to control access to a host computer in an access channel using a mobile device in an authentication channel, comprising the steps of: providing a first software module on an Internet-connected web server in an access channel, the server being associated with a commercial institution, wherein the first software module receives a user ID associated with a subscriber account, and outputs information about the user ID; and providing a second software module on a security computer different than the web server, wherein the security computer is in an authentication channel, and wherein the second software module receives the user ID from the access channel, retrieves predetermined data from a subscriber database associated with the user ID, including at least a telephone number or IP address of a mobile device, and outputs in the authentication channel an instruction to the mobile device, wherein when a subscriber attempts to logon to a host computer in the access channel at the commercial institution, the second software module compares an input from the mobile device to the predetermined data and outputs an instruction to the first software module to grant access to the host computer or deny access thereto. view more

The software method according to claim 48, further comprising the step of: providing a third software module for installing on the mobile device in the authentication channel, wherein the third software module receives the instruction outputted to the mobile device from the second software module, displays a message to the subscriber, and receives the input from the mobile device. view more

The software method according to claim 50, wherein the displayed message is a message containing a password and instruction for the subscriber to reply to the message by entering the password using the mobile device.

The software method according to claim 50, wherein the displayed message is a notification containing an instruction for the subscriber to reply to the notification using the mobile device's input device.

A software method for employing a multichannel security system to control access to a computer, comprising the steps of: receiving in a first channel a login identification demand to access a host computer also in the first channel; verifying the login identification; receiving at a security computer in a second channel the demand for access and the login identification; outputting from the security computer a prompt requesting a transmission of data; receiving the transmitted data at the security computer; comparing the transmitted data to predetermined data; and depending on the comparison of the transmitted and the predetermined data, outputting an instruction from the security computer to the host computer to grant access to the host computer or deny access thereto. view more

Apparatus for implementing a multichannel security system to control access to a computer, comprising: a device for receiving a login identification and demand to access a host computer, wherein the device and the host computer are in a first channel; and a security computer in a second channel for receiving the login identification and the access demand and outputting a prompt requesting a transmission of data once said login identification is verified by said security computer, wherein said security computer comprises a component for receiving the transmitted data and comparing said transmitted data to predetermined data, such that, depending on the comparison of the transmitted and the predetermined data, said security computer outputs an instruction to the host computer to grant access to the host computer or deny access thereto. view more

A security system for accessing a host computer comprising: an access channel comprising: an interception device for receiving a login identification originating from an accessor for access to said host computer; and an authentication channel comprising: a security computer for receiving from said interception device said login identification and for communicating access information to said host computer and for communicating with a peripheral device of said accessor; a database having at least one peripheral address record corresponding to said login identification; a prompt mechanism for instructing said accessor to enter predetermined data at and transmit said predetermined data from said peripheral device; and a comparator for authenticating access demands in response to the transmission of said predetermined data by verifying a match between said predetermined data and said entered and transmitted data, wherein said security computer outputs an instruction to the host computer to either grant access thereto using said access channel or to deny access thereto. view more

A security system as described in claim 1, wherein said security computer further comprises: An authentication program mechanism for authenticating access to said host computer; a biometric analyzer operating in response to instructions from said authentication program mechanism for analyzing a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A security system for granting and denying access to a host computer, said access in response to a demand from an accessor for access to the host computer, said accessor having a cellular telephone for providing communications to the security system, said security system comprising: a login identification accompanying said demand from said accessor; an interception mechanism for receiving said login identification, said interception mechanism being in an access channel; an authentication channel operating independently from said access channel, said authentication channel comprising: a security computer adapted in an access-channel mode to receive said login identification from said interception mechanism and to communicate access information to said host computer and in an authentication-channel mode to communicate with said cellular telephone; a subscriber database for retrieval of peripheral addresses corresponding to said login identification; wherein said security computer is adapted to connect to said associated cellular telephone of said accessor; a prompt mechanism for instructing said accessor to enter and transmit predetermined data using said cellular telephone; a comparator for authenticating an access demand in response to receipt of said predetermined data from said cellular telephone; said security computer, upon verifying a match between said predetermined data and said transmitted data, providing in the access-channel mode instructions to the host computer to grant access thereto along said access channel; an authentication program mechanism, operating independently from said host computer, for authenticating said accessor demanding access to said host computer; a biometric analyzer operating in response to said instructions from said authentication program means to analyze a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A security system as described in claim 11, wherein said biometric analyzer comprises a fingerprint verification program for operation within said authentication channel to authenticate said accessor.

A security system for granting and denying access to a host computer, said access in response to a demand over the internet from an accessor for access to the host computer, said accessor having a personal digital assistant (PDA) for providing communications to the security system, said security system comprising: a login identification accompanying said demand over the internet from said accessor; an interception mechanism for receiving and verifying said login identification, said interception mechanism in an access channel; an authentication channel operating independently from said access channel and, said authentication channel, in turn, comprising; a security computer adapted in an access-channel mode to receive said login identification from said interception mechanism and to communicate access information to said host computer and in an authentication-channel mode to communicate with said PDA; a subscriber database for retrieval of peripheral addresses corresponding to said login identification; said security computer adapted to connect to said PDA; a prompt mechanism for instructing said accessor to enter and transmit predetermined data from said PDA; a comparator for authenticating access demands in response to transmission of said predetermined data from said PDA; said security computer, upon verifying a match between said stored predetermined data and the entered and transmitted data, providing in the access-channel mode instructions to the host computer to grant access thereto along said access channel; an authentication program mechanism, operating independently from said host computer, for authenticating an accessor demanding access to said host computer; a biometric analyzer operating in response to instructions from said authentication program mechanism to analyze a monitored parameter of said accessor; and, a biometric parameter database addressable by said biometric analyzer for retrieval of a previously registered sample of said accessor, said sample corresponding to the identification of said accessor. view more

A security system as described in claim 18, wherein said biometric analyzer comprises a fingerprint verification program for operation within said authentication channel to authenticate the accessor.