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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]
6-digit codes are commonly provided by proprietary hardware tokens from a number of vendors informing the default value of d. Truncation extracts 31 bits or log 10 ( 2 31 ) ≈ 9.3 {\textstyle \log _{10}(2^{31})\approx 9.3} decimal digits, meaning that d can be at most 10, with the 10th digit adding less variation, taking values of 0, 1 ...
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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Google Authenticator is a software-based authenticator by Google.It implements multi-factor authentication services using the time-based one-time password (TOTP; specified in RFC 6238) and HMAC-based one-time password (HOTP; specified in RFC 4226), for authenticating users of software applications.
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]
However, the QR code is not a secure representation of an Aadhaar card either and can be copied and edited. The only way to validate an Aadhaar card is to perform an online validation, which will confirm that the card number is valid, and confirm the postal code and gender of the holder (but not their name or photo).