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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
First Claim
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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.

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