Methods And Systems For Delivering Sponsored Out-Of-Band Passwords

• US 20110029436A1
• Filed: 02/05/2008
• Published: 02/03/2011
• Est. Priority Date: 02/05/2007
• Status: Abandoned Application

• Current Assignee: Vidoop LLC
• Original Assignee: Vidoop LLC
• Inventors: Norvell, Joel, Sontag, James L.
• Application Number:
  US12/525,963
• Publication Number:
  US 20110029436A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

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.

Claims

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.