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OTP GENERATION USING A CAMOUFLAGED KEY

  • US 20110060913A1
  • Filed: 08/30/2010
  • Published: 03/10/2011
  • Est. Priority Date: 09/04/2009
  • Status: Active Grant
First Claim
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1. A method of generating a user one-time passcode (OTP) for a provider account, the method comprising:

  • providing a passcode application to a user device;

    providing a cardstring to the passcode application, wherein;

    the cardstring is defined by the provider account, andthe cardstring is defined by at least one key that is camouflaged with a personal identification number (PIN);

    wherein the passcode application is operable to generate a passcode configured as a user OTP for the provider account using the cardstring;

    providing the PIN to the passcode application; and

    generating the user OTP on the user device using the passcode application and the cardstring.

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