Dude, the only thing misleading is saying all banks use SFOR patent.
is OOB just text based, nope, you got me. Thats why I said in short. I was trying to dumb OOB process down to explain it, because the "anyone using multifactor is infringing on sfor patent" statement going around.
So, your right OOB can be text based, or voice based, or call back. But it's still just OOB and not the same as multifactor.