Method and/or System for User Authentication with Targeted Electronic Advertising Content through Personal Communication Devices

A method for delivering at least one targeted interactive electronic message to a personal communication device based on an initial request for a personalized password, comprising:

• associating a user profile with the personal communication device via an authentication advertising server;
• receiving the initial request for the personalized password through a limited access system, the personalized password enabling access to an application server via the limited access system;
• selecting the at least one targeted interactive electronic message via the authentication advertising server;
• displaying a first targeted interactive electronic message from among the at least one targeted interactive electronic message via the authentication advertising server on a one-time password (OTP) status notification transition screen of the limited access system, wherein the first targeted interactive electronic message being an active type and requiring a secondary action;
• transmitting a second targeted interactive electronic message from among the at least one targeted electronic message with an OTP to the personal communication device as out-of-band content via an OTP-advertisement compiler of the authentication advertising server, the OTP being provided as the personalized password that is valid for a predetermined time, the second targeted interactive electronic message being the active type and requiring another secondary action from the personal communication device;
• displaying a third targeted interactive electronic message from among the at least one targeted interactive electronic message via the authentication advertising server on an OTP login screen of the limited access system, wherein the third targeted interactive electronic message being the active type and requiring a third secondary action;
• authenticating the OTP from the personal communication device on the OTP login screen via the authentication advertising server;
• and
• deactivating the OTP after the predetermined time via the limited access system,
• wherein the deactivated OTP cannot be used to access the application server through the limited access system.

A computer program product for delivering at least one targeted interactive electronic message to a personal communication device based on an initial request for a personalized password, the computer program product being encoded on one or more non-transitory machine-readable storage media and comprising:

• instruction for associating a user profile with the personal communication device;
• instruction for receiving the initial request for the personalized password through a limited access system, the personalized password enabling access to an application server via the limited access system;
• instruction for selecting the at least one targeted interactive electronic message;
• instruction for displaying a first targeted interactive electronic message from among the at least one targeted interactive electronic message on a one-time password (OTP) status notification transition screen of the limited access system, wherein the first targeted interactive electronic message being an active type and requiring a secondary action;
• instruction for transmitting a second targeted interactive electronic message from among the at least one targeted electronic message with an OTP to the personal communication device as out-of-band content, the OTP being provided as the personalized password that is valid for a predetermined time, the second targeted interactive electronic message being the active type and requiring another secondary action from the personal communication device;
• instruction for displaying a third targeted interactive electronic message from among the at least one targeted interactive electronic message on an OTP login screen of the limited access system, wherein the third targeted interactive electronic message being the active type and requiring a third secondary action;
• instruction for authenticating the OTP from the personal communication device on the OTP login screen via the limited access system;
• and
• instruction for deactivating the OTP after the predetermined time,
• wherein the deactivated OTP cannot be used to access the application server through the limited access system.

A method for delivering at least one targeted interactive electronic message to a personal communication device based on an initial request for a personalized password, comprising:

• associating a user profile with the personal communication device via an authentication advertising server;
• receiving the initial request for the personalized password through a limited access system, the personalized password enabling access to an application server via the limited access system;
• selecting the at least one targeted interactive electronic message via the authentication advertising server;
• displaying a first targeted interactive electronic message from among the at least one targeted interactive electronic message via the authentication advertising server on a one-time password (OTP) status notification transition screen of the limited access system, wherein the first targeted interactive electronic message being an active type and requiring a secondary action;
• transmitting a second targeted interactive electronic message from among the at least one targeted interactive electronic message with an OTP to the personal communication device as out-of-band content via an OTP-advertisement compiler of the authentication advertising server, the OTP being provided as the personalized password that is valid for a predetermined time, the second targeted interactive electronic message being the active type and requiring another secondary action from the personal communication device;
• and
• deactivating the OTP after the predetermined time via the limited access system,
• wherein the deactivated OTP cannot be used to access the application server through the limited access system.

A computer program product for delivering at least one targeted interactive electronic message to a personal communication device based on an initial request for a personalized password, the computer program product being encoded on one or more non-transitory machine-readable storage media and comprising:

• instruction for associating a user profile with the personal communication device;
• instruction for receiving the initial request for the personalized password through a limited access system, the personalized password enabling access to an application server via the limited access system;
• instruction for selecting the at least one targeted interactive electronic message;
• instruction for displaying a first targeted interactive electronic message from among the at least one targeted interactive electronic message on a one-time password (OTP) status notification transition screen of the limited access system, wherein the first targeted interactive electronic message being an active type and requiring a secondary action;
• instruction for transmitting a second targeted interactive electronic message from among the at least one targeted interactive electronic message with an OTP to the personal communication device, the OTP being provided as the personalized password that is valid for a predetermined time, the second targeted interactive electronic message being the active type and requiring another secondary action from the personal communication device;
• and
• instruction for deactivating the OTP after the predetermined time,
• wherein the deactivated OTP cannot be used to access the application server through the limited access system.

A user authentication system for delivering at least one targeted interactive electronic message to a personal communication device, comprising:

• an application server;
• a database for storing at least one user profile;
• a limited access system for controlling access to the application server and for receiving an initial request for a personalized password;
• and
• an authentication advertising server having access to the database for receiving the at least one user profile, for associating a user profile from among the at least one user profile with the personal communication device,
• wherein said authentication advertising server further comprises:
• a password generator for providing a one-time password (OTP);
• an advertisement server for selecting the at least one targeted interactive electronic message based on the user profile and providing for display a first targeted interactive electronic message from among the at least one targeted interactive electronic message on an OTP status notification screen, wherein the first targeted interactive electronic message is an active type that is responsive to a secondary action;
• and
• an OTP-advertisement compiler for compiling a second targeted interactive electronic message from among the at least one targeted interactive electronic message with the OTP in response to the initial request for the personalized password, wherein the second targeted interactive electronic message is the active type that is responsive to another secondary action, the OTP being provided as the personalized password that enables access to the application server and is valid for a predetermined time.