Patent ID: 9258286
Filing Date: 2016-02-09
CPC Classification: H04L

Claim Text:
1. A communications channel authentication method, comprising: receiving, via a first communications channel, a request from a user to access information maintained by an institution system; successfully authenticating, via the first communications channel, the user based on a strong authentication; initiating a session with the institution system via the first communications channel subsequent to the successful authentication of the user, the session providing the user with access to the information maintained by the institution system via the first communication channel; receiving a request from the user to access the information maintained by the institution system via a second communications channel; determining whether the session with the institution system via the first communications channel is active or inactive; in response to the determining that the session with the institution system via the first communications channel is active, authenticating the user for access to the information maintained by the institution system via the second communications channel based on the session with the institution system via the first communications channel; and in response to the determining that the session with the institution system via the first communications channel is inactive, authenticating the user for access to the information maintained by the institution system via the second communications channel based on a two-factor authentication; wherein authenticating via the first communications channel and authenticating via the second communications channel are each performed using a same mobile user device; and wherein the first communications channel is one of a voice channel or a data channel and the second communications channel is other of the voice channel or the data channel.