Systems and methods for communications channel authentication

A communications channel authentication system, comprising:

• at least one computer;
• and
• a non-transitory computer-readable medium coupled to the at least one computer having instructions stored thereon which, when executed by the at least one computer, cause the at least one computer to perform operations comprising:
• determining whether a session established between at least one user device and a system via a first communications channel is active or inactive;
• when the session with the system via the first communications channel is active, sending a first authentication challenge to the at least one user device, the first authentication challenge comprising a first number of authentication factors;
• when the session with the system via the first communications channel is inactive, sending a second authentication challenge to the at least one user device, the second authentication challenge comprising a second number of authentication factors, the second number being greater than the first number;
• and
• authenticating the at least one user device for access to the system via a second communications channel based on a response to (1) the first authentication challenge or (ii) the second authentication challenge;
• wherein the first communications channel is one of a voice channel or a data channel and the second communications channel is the other of the voice channel or the data channel.

A non-transitory computer-readable medium coupled to at least one computer having instructions stored thereon which, when executed by the at least one computer, cause the at least one computer to perform operations comprising:

• determining whether a session established between at least one user device and a system via a first communications channel is active or inactive;
• when the session with the system via the first communications channel is active, sending a first authentication challenge to the at least one user device, the first authentication challenge comprising a first number of authentication factors;
• when the session with the system via the first communications channel is inactive, sending a second authentication challenge to the at least one user device, the second authentication challenge comprising a second number of authentication factors, the second number being greater than the first number;
• and
• authenticating the at least one user device for access to the system via a second communications channel based on a response to (1) the first authentication challenge or (ii) the second authentication challenge;
• wherein the first communications channel is one of a voice channel or a data channel and the second communications channel is the other of the voice channel or the data channel.