US Patent 8434133 Single-party, secure multi-channel authentication

A method for using multiple channels to authenticate a user, wherein a first authentication parameter from a first device associated with a user is received over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is authenticated on the first channel.