Method and/or system for user authentication with targeted electronic advertising content through personal communication devices

Abstract

An apparatus and method is provided for generating a request for a one-time password (OTP), and with the OTP transmitted to a mobile device in an electronic message that includes the OTP in conjunction with an electronic advertising content that is targeted to the user of the mobile device.

What is claimed is: 
     
         1 . A method for delivering targeted interactive electronic messages to a personal communication device based on an initial request for a personalized password, comprising:
 displaying a first targeted interactive electronic message on a one-time password (OTP) status notification transition screen of a limited access system, wherein the first targeted interactive electronic message 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 enabling access to an application server, and wherein the second targeted interactive electronic message includes the active type message requiring another secondary action from the personal communication device;   receiving a user profile associated with the personal communication device from a profiling database, at least one of the targeted interactive electronic messages being based on the user profile;   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 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.   
     
     
         2 . The method of  claim 1 , further comprising:
 receiving the initial request for the password through the limited access system, the password enabling access to an application server through the limited access system; and   selecting the targeted interactive electronic messages.   
     
     
         3 . The method of  claim 1 , wherein the OTP is valid for a predetermined time, and further comprising:
 receiving the OTP at the limited access system;   authenticating the OTP via the limited access system; and   deactivating the OTP after the predetermined time.   
     
     
         4 . The method of  claim 1 , further comprising displaying a third targeted interactive electronic message on an OTP login screen of the limited access system, the third targeted interactive electronic message being of an active type message requiring a third secondary action. 
     
     
         5 . The method of  claim 4 , wherein the third secondary action is selected from a group consisting of requesting to learn more, requesting to view now, requesting to opt-in, requesting to opt-out, requesting a coupon, requesting an appointment, requesting a quick response code, requesting to play audio/video content, requesting additional information, requesting to be contacted, filling out a form field application, calling a phone number, clicking to call, clicking on a hyperlink, replying via short message service, replying via multimedia messaging service, replying via electronic chat, and declining an offer. 
     
     
         6 . The method of  claim 1 , wherein said associating a user profile and said selecting the targeted interactive electronic messages each are performed by an authentication advertising server. 
     
     
         7 . The method of  claim 1 , wherein the personalized password comprises a unique password. 
     
     
         8 . The method of  claim 1 , wherein the profiling database includes a third-party database. 
     
     
         9 . The method of  claim 1 , wherein at least one of the secondary action and the another secondary action is selected from a group consisting of requesting to learn more, requesting to view now, requesting to opt-in, requesting to opt-out, requesting a coupon, requesting an appointment, requesting a quick response code, requesting to play audio/video content, requesting additional information, requesting to be contacted, filling out a form field application, calling a phone number, clicking to call, clicking on a hyperlink, replying via short message service, replying via multimedia messaging service, replying via electronic chat, and declining an offer. 
     
     
         10 . The method of  claim 1 , wherein said transmitting the second targeted interactive electronic message with the OTP comprises delivery of the second targeted interactive electronic message with the OTP to the personal communication device through at least one of electronic mail (e-mail), push notification, short message service, multimedia messaging service, and Transmission Control Protocol/Internet Protocol communication. 
     
     
         11 . An authentication advertising system, comprising:
 an application server;   a database for storing user profiles and for maintaining 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, and further maintaining metrics based on at least one of the secondary action and the another secondary action, the metrics 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 wherein the database is updated with the metrics for a corresponding user profile;   a limited access system for controlling access to said application server and for receiving an initial request for a personalized password; and   an authentication advertising server having access to said database for receiving the user profiles, for associating a selected user profile with a personal communication device, and further comprising:   a password generator for providing a one-time password (OTP);   an advertisement server for selecting targeted interactive electronic messages based on the selected user profile and providing a first targeted interactive electronic message for display on an OTP status notification screen, the first targeted interactive electronic message being of an active type responsive to a secondary action; and   an OTP-advertisement compiler for compiling a second targeted interactive electronic message with the OTP in response to the initial request and for transmitting the second targeted interactive electronic message with the OTP to the personal communication device, the second targeted interactive electronic message being of the active type responsive to another secondary action, the OTP being provided as the password for enabling access to the application server and being valid for a predetermined time.