Patent ID: 8172137

Claim:
A method for authenticating an authorized person, comprising: at a first time period: receiving from a first person a password, communication address and at least one piece of human generated information; and storing data in a storage, the data including the password, communication address and the at least one piece of human generated information; at a second time period that is subsequent to the first time period: receiving a telephone call from a caller; asking the caller questions using the data stored in the storage, the questions including the at least one piece of human generated information; and after receiving correct answers, transmitting the communication address to a communication network to deliver a code to a communication device; and at a third time period that is subsequent to the second time period: receiving the code and the password from an alleged authorized person; retrieving the data stored in the storage; and determining whether the alleged authorized person is the authorized person based on at least the code and the password; wherein the code is stored in the storage before the third time period.