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System and Method for Authenticating Users of Online Services

  • US 20120288071A1
  • Filed: 07/23/2012
  • Published: 11/15/2012
  • Est. Priority Date: 09/14/2006
  • Status: Abandoned Application
First Claim
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1. A method for authenticating a user of an online service, said method comprising:

  • accessing a database on a network, the database including a name, electronic message address, and a telephone number of a user;

    sending, in a first electronic communication to an electronic message address associated with the user as stored in the database, a personal identification number;

    placing a first call to the user at a telephone number associated with the user as stored in the database;

    in response to receiving no answer to the first call at the telephone number associated with the user, leaving a message informing the user of a particular time for a scheduled call-back and placing a second call to the user at the telephone number associated with the user at the particular time;

    in response to the user answering at least one of the calls, requesting from the user at least a portion of the personal identification number in the first electronic communication to the user;

    receiving a response code from the user in response to the request;

    confirming a match of at least a portion of the personal identification number and response code; and

    determining that the user is authentic based on confirming a match of at least a portion of the personal identification member and response code.

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