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The following is a general comparison of OTP applications that are used to generate one-time passwords for two-factor authentication (2FA) systems using the time-based one-time password (TOTP) or the HMAC-based one-time password (HOTP) algorithms.
TOTP credentials are also based on a shared secret known to both the client and the server, creating multiple locations from which a secret can be stolen. An attacker with access to this shared secret could generate new, valid TOTP codes at will. This can be a particular problem if the attacker breaches a large authentication database. [4]
HMAC-based one-time password (HOTP) is a one-time password (OTP) algorithm based on HMAC.It is a cornerstone of the Initiative for Open Authentication (OATH).. HOTP was published as an informational IETF RFC 4226 in December 2005, documenting the algorithm along with a Java implementation.
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MasterCard SecureCode uses OTAC to confirm a user's identity One time authorization code as used in Yammer's desktop client. A one-time password (OTP), also known as a one-time PIN, one-time passcode, one-time authorization code (OTAC) or dynamic password, is a password that is valid for only one login session or transaction, on a computer system or other digital device.
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It implements multi-factor authentication using HOTP and TOTP. Tokens can be added by scanning a QR code or by manually entering the token configuration. It is licensed under the Apache 2.0 license, and supports Android and iOS. [4] [5] [6]