Two Factor Authentication Using Smartphone Generated One Time Password

Abstract

This paper explains a method of how the two factor authentication implemented using SMS OTP or OTP generated by Smartphone-One Time Password to secure user accounts. The proposed method guarantees authenticating online banking features are secured also this method can be useful for e-shopping & ATM machines. The proposed system involves generating and delivering a One Time Password to mobile phone. Smartphone can be used as token for creating OTP or OTP can be send to mobile phone in form of SMS. The generated OTP is valid for only for short period of time and it is generated and verified using Secured Cryptographic Algorithm. The proposed system has been implemented and tested successfully.