A method for delivering targeted interactive electronic messages to a personal communication device based on an initial request for a personalized password, comprising: associating a user profile with the personal communication device; displaying a first targeted interactive electronic message on a one-time password status notification transition screen of a limited access system, wherein the first targeted interactive electronic message is selected based on the user profile and includes an active type message requiring a secondary action; transmitting a second targeted interactive electronic message with an OTP to the personal communication device as out-of-band content, the OTP being provided as the personalized password, wherein the second targeted interactive electronic message is selected based on the user profile and includes the active type message requiring another secondary action from the personal communication device; receiving the user profile associated with the personal communication device from a profiling database, maintaining in the profiling database profile information selected from a group consisting of gender, age, geographic region of interest, industry, frequency of access, time of access, location at time of access, previous electronic purchases payment information, and Web browsing habits; maintaining metrics based on at least one of the secondary action and the another secondary action, the metrics optionally being selected from a metrics group consisting of a consumer response rate, a click through rate, a view rate, and a pay per reply statistic; and updating the profiling database with the metrics for a corresponding user profile. associating a user profile with the personal communication device; displaying a first targeted interactive electronic message on a one-time password status notification transition screen of a limited access system, wherein the first targeted interactive electronic message is selected based on the user profile and includes an active type message requiring a secondary action; transmitting a second targeted interactive electronic message with an OTP to the personal communication device as out-of-band content, the OTP being provided as the personalized password, wherein the second targeted interactive electronic message is selected based on the user profile and includes the active type message requiring another secondary action from the personal communication device; receiving the user profile associated with the personal communication device from a profiling database, maintaining in the profiling database profile information selected from a group consisting of gender, age, geographic region of interest, industry, frequency of access, time of access, location at time of access, previous electronic purchases payment information, and Web browsing habits; maintaining metrics based on at least one of the secondary action and the another secondary action, the metrics optionally being selected from a metrics group consisting of a consumer response rate, a click through rate, a view rate, and a pay per reply statistic; and updating the profiling database with the metrics for a corresponding user profile.