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Systems and methods for secure one-time password validation

  • US 9,769,157 B2
  • Filed: 09/21/2015
  • Issued: 09/19/2017
  • Est. Priority Date: 09/21/2015
  • Status: Active Grant
First Claim
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1. A method comprising:

  • generating, by a processor, a seed one-time password (OTP);

    transmitting, by the processor, the seed OTP to a user device,wherein the seed OTP is passed to a security utilities software development kit (SDK) on the user device for further processing to generate a response OTP in response to an integrity module confirming that the user device is in good health,wherein the security utilities SDK is in communication with an OTP listening service;

    receiving, by the processor, the response OTP from the user device,wherein the response OTP is different from the seed OTP,wherein the response OTP is generated using a function that is based on a device identifier associated with the user device and a device fingerprint associated with the user device;

    calculating, by the processor, an expected response OTP by applying a function to the seed OTP,wherein the function is based on the device identifier and the device fingerprint;

    determining, by the processor, that the response OTP satisfies the expected response OTP; and

    sending, by the processor, a result in response to the determining.

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