Patent ID: 9240012
Filing Date: 2016-01-19
CPC Classification: G06Q,H04L,H04M,Y02D

Claim Text:
1. A method for performing a multifactor authentication between an authenticating entity and a customer remote from the authenticating entity, utilizing a primary communication channel and a secondary communication channel, the method comprising: receiving from the customer, by a processing machine of the authenticating entity, primary authentication information via the primary communication channel; processing the primary authentication information by the processing machine of the authenticating entity, and retrieving customer information based on the primary authentication information; presenting a message to the customer regarding a desired mode of communication through which the customer would like to perform a secondary authentication; receiving from the customer a selection of the desired mode of communication, which desired mode of communication comprises the secondary communication channel; transmitting, by the processing machine of the authenticating entity, secondary authentication information to the customer via the secondary communication channel, the secondary communication channel being different than the primary communication channel; receiving from the customer via the primary communication channel at least a portion of the secondary authentication information; processing the secondary authentication information received from the customer by the processing machine of the authenticating entity to authenticate the customer; and based on successful authentication of the primary authentication information and receipt of the at least a portion of the secondary authentication information from the customer, the processing machine of the authenticating entity authenticating the customer.