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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.
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.
As an extension of the HMAC-based one-time password algorithm (HOTP), it has been adopted as Internet Engineering Task Force (IETF) standard RFC 6238. [1] TOTP is the cornerstone of Initiative for Open Authentication (OATH) and is used in a number of two-factor authentication [1] (2FA) systems.
S/KEY is a one-time password system developed for authentication to Unix-like operating systems, especially from dumb terminals or untrusted public computers on which one does not want to type a long-term password. A user's real password is combined in an offline device with a short set of characters and a decrementing counter to form a single ...
The token and the authentication server must have synchronized clocks. Asynchronous password token A one-time password is generated without the use of a clock, either from a one-time pad or cryptographic algorithm. Challenge–response token Using public key cryptography, it is possible to prove possession of a private key without revealing ...
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. Since then, the algorithm has been adopted by many ...
A transaction authentication number (TAN) is used by some online banking services as a form of single use one-time passwords (OTPs) to authorize financial transactions. TANs are a second layer of security above and beyond the traditional single-password authentication .
If a strong two-factor authentication system is used, the stolen passwords cannot be stored and later used because each one-time password is valid for only one authentication session, and will fail if tried a second time. [1] multiOTP is a PHP class library. The class can be used with any PHP application using a PHP version of 5.3.0 or higher.