These methods offer low investment costs but are slow, difficult to maintain, easy to replicate and share, and require the users to keep track of where they are in the list of passwords.Ī more convenient way for users is to use an OTP token, a hardware device capable of generating one-time passwords.
Simple methods such as transaction number lists and grid cards can provide a set of one-time passwords. One-time passwords can be generated in several ways, and each one has trade-offs in terms of security, convenience, cost, and accuracy. Time-based One-Time Password ( TOTP) changes after a set period, such as 60 seconds, for example. This adds an extra level of protection and makes it more challenging to access unauthorized information, networks, or online accounts. Strong authentication systems address the limitations of static passwords by incorporating an additional security credential, such as a temporary one-time password (OTP), to protect network access and end-users digital identities. static passwordĪlthough this authentication method is convenient, it is not secure because online identity theft – using phishing, keyboard logging, man-in-the-middle attacks, and other practices – is increasing worldwide. Today most enterprise networks, e-commerce sites, and online communities require only a user name and static password for login and access to personal and sensitive data. One-time passwords (aka One-time passcodes) are a form of strong authentication, providing much better protection to eBanking, corporate networks, and other systems containing sensitive data.Īuthentication answers the question: " Are you indeed Mr or Mrs. Typically the user's login name stays the same, and the one-time password changes with each login. The OTP feature prevents some forms of identity theft by making sure that a captured user name/password pair cannot be used a second time. If "qwerty" is always your password, it's time for a change. The static password is the most common authentication method and the least secure. One-time password (OTP) systems provide a mechanism for logging on to a network or service using a unique password that can only be used onc e, as the name suggests.
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