Systems and methods for multifactor authentication

摘要

The invention provides a method for performing an authentication (and a system for performing the method), in conjunction with a transaction, utilizing a primary channel and a secondary channel. The method may include an authenticating entity, such as a bank, (1) receiving from a customer primary authentication information via a primary channel; (2) the authenticating entity processing the primary authentication information, and retrieving customer information based on the primary authentication information; (3) the authenticating entity transmitting secondary authentication information to the customer via a secondary channel, the secondary channel being different than the primary channel; (4) the authenticating entity receiving from the customer at least a portion of the secondary authentication information; and (5) the authenticating entity performing authentication processing on the secondary authentication information received from the customer. Based on the successful authentication of the primary authentication information and the secondary authentication information received from the customer, the authenticating entity approves the customer for the transaction.

主权项

1. A method for performing an authentication, in conjunction with a transaction, utilizing a primary communication channel and a secondary communication channel, the primary and secondary communication channels being adapted for long-range communication, the method comprising:
an authenticating entity, in the form of a processing machine, receiving from a customer primary authentication information via a primary channel; the processing machine of the authenticating entity processing the primary authentication information, and retrieving customer information based on the primary authentication information; the processing machine of the authenticating entity transmitting secondary authentication information to the customer via a secondary channel, the secondary channel being different than the primary channel; the processing machine of the authenticating entity receiving from the customer via the primary channel at least a portion of the secondary authentication information; the processing machine of the authenticating entity performing authentication processing on the secondary authentication information received from the customer; and based on the successful authentication of the primary authentication information and the secondary authentication information received from the customer, the processing machine of the authenticating entity approving the customer for the transaction, wherein the primary channel is the Internet and the secondary channel is one selected from the group consisting of a telephone call, text message, and e-mail to the customer.