OTPS

• OTPS

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Mobile banking - Security

1 One-time password (OTPs) are the latest tool used by financial and banking service providers

in the fight against cyber fraud., Mobile payments Instead of relying on traditional

memorized passwords, OTPs are requested by consumers each time they want to perform

transactions using the online or mobile banking interface. When the request is received the

password is sent to the consumer’s phone via SMS. The password is expired once it has been

used or once its scheduled life-cycle has expired.


SMS Banking - Push and pull messages

1 Instead of relying on traditional memorized passwords, OTPs are

requested by consumers each time they want to perform transactions using the online or mobile banking

interface


One-time password

1 On the downside, OTPs are difficult for human beings to

memorize


One-time password - How OTPs are generated and distributed

1 OTP generation algorithms typically make use of pseudorandomness or

randomness. This is necessary because otherwise it would be easy to predict future OTPs by observing

previous ones. Concrete OTP algorithms vary greatly in their

details. Various approaches for the generation of OTPs are listed below:



1 * Based on 'time-synchronization' between the authentication server

and the client providing the password (OTPs are valid only for a short

period of time)



1 * Using a mathematical 'algorithm' to generate a new password 'based on

the previous password' (OTPs are effectively a chain and must be used

in a predefined order).



1 There are also different ways to make the user aware of the next OTP to use. Some systems use special electronic security tokens that the user carries and that generate OTPs and show

them using a small display. Other systems consist of software that runs on the user's

mobile phone. Yet other systems generate OTPs on the server-side and send them to the user

using an out-of-band channel such as SMS messaging. Finally, in some systems, OTPs are printed on paper that the user is required to

carry.https://store.theartofservice.com/itil-2011-foundation-complete-certification-kit-fourth-edition-study-guide-ebook-and-online-course.html

One-time password - Mathematical algorithms

1 Each new OTP may be created from the past OTPs used. An example of this type of algorithm, credited to Leslie Lamport, uses a one-way function (call it f). The one-time

password system works by starting with an initial seed s, then

generating passwords


One-time password - Text messaging

1 A common technology used for the delivery of OTPs is text

messaging


One-time password - Mobile phones

1 The computing power and storage required for OTPs is usually

insignificant compared to that which modern camera-phones and smartphones typically use


One-time password - Hardcopy

1 those OTPs are typically called TANs (for 'transaction authentication numbers')


One-time password - Comparison of OTP implementations

1 The cheapest OTP solutions are those that deliver OTPs on paper, and those that generate OTPs on an

existing device, without the costs associated with (re-)issuing

Proprietary hardware|proprietary electronic security tokens and SMS

messaging.


One-time password - Comparison of OTP implementations

1 Whether or not OTPs are time-synchronized is basically irrelevant

for the degree of vulnerability, but it avoids a need to re-enter passwords if the server is expecting the last or next code that the token should be

having because the server and token have drifted out-of-sync.


One-time password - OTPs versus other methods of securing data

1 An OTP system can only use truly random OTPs if the OTP is generated by the authenticator and transmitted (presumably out-of-band) to the user;

otherwise, the OTP must be independently generated by each party, necessitating a repeatable,

and therefore merely pseudo-random, algorithm.


One-time password - OTPs versus other methods of securing data

1 OTPs should therefore not be disclosed to any third parties, and

using an OTP as one layer in layered security is safer than using OTP

alone; one way to implement layered security is to use an OTP in

combination with a password that is memorized by the user (and never transmitted to the user, as OTPs

often are)https://store.theartofservice.com/itil-2011-foundation-complete-certification-kit-fourth-edition-study-guide-ebook-and-online-course.html

King Syze - Union Terminology, In Death Reborn and fifth AOTP album (2014-present)

1 The album is confirmed to be released on 25 March

2014.[https://twitter.com/KINGSYZE/status/442357229023678465 King

Syze: Download my new single Due Process here

http://kingsyze.bandcamp.com/ #unionterminology #march25th

#aotpseasonbegins] (8 March 2014


2005–06 Arsenal F.C. season

1 On the final day, they beat Wigan Athletic 4–2 at Highbury; Tottenham Hotpsur's defeat at West Ham United F.C.|West Ham United meant Arsenal

secured fourth place


History of Eastern Orthodox Churches in the 20th century - The Patristic Age and the Biblical canon

1 [http://www.ccel.org/c/charles/otpseudepig/aristeas.htm The Letter

Of Aristeas], R.H. Charles-Editor, Oxford: The Clarendon Press, 1913


Street art - Europe and Asia

1 Artists who have gained recognition include Niels Shoe Meulman,

Ottograph, Max Zorn (artist)|Max Zorn, Mickey, DHM, X Streets

Collective,[http://offtrackplanet.com/featured/otps-guide-to-street-art-

amsterdam/ OTP's Guide to Street Art, Off Track Planet, 20 October 2011] Bustart, Mojofoto, Mark Chalmers and collective CFYE.


The Second Mile - Revenue and major donors

1 http://notpsu.proboards.com/index.cg

i?board=generalaction=displaythread

=50 The charity paid its CEO $133,000 a year, and his wife

received about $100,000 a year.[http://www.msnbc.msn.com/id/45286426/ns/us_news-crime_and_courts/t/penn-state-assistant-coach-i-did-right-thing/ Penn State assistant

coach: 'I did the right thing' (MSNBC, 11/14/11)]


Genealogy of Jesus - Luke's genealogy

1 This count also agrees with the seventy generations from Enoch

(ancestor of Noah)|Enoch[http://www.ccel.org/c/charles/otpseudepig/enoch/ENOCH_1.H

TM#10_12 1 Enoch 10:11–12]


Psalm 23 - Metrical versions

1 Other metrical versions to emerge from the Protestant Reformation include those from The Bay Psalm Book (1640) and a version influenced by Sternholm published in the

Scots Metrical Psalter|Scottish Psalter (1650).[http://www.ccel.org/ccel/anonymous/scotpsalter.p24.html Scottish Psalter and Paraphrases] at CCEL The latter version is

still encountered, with modernized spelling, in many Protestant hymns


War in Heaven - Motif

1 * A refusal to bow down to mankind on the occasion of the List of first men or women in mythology and religion|

creation of man as in the Armenian, Georgia (country)|Georgian, and Latin versions of the Life of Adam and

Eve.Sections 14-15 of the [http://micro5.mscc.huji.ac.il/~armenia/website/ Armenian,][http://www.pseudepigrapha.com/pseudepigrapha/TheBook

OfAdam.htm Georgian], and [http://www.ccel.org/c/charles/otpseudepig/adamnev.htm

Latin] versions of the Life of Adam and Eve A similar view is held in Islam|Islamic tradition, in which Devil (Islam)|Iblis

refuses to bow down to Islamic views on Adam|Adam.Quran [http://www.cmje.org/religious-texts/quran/verses/007-

qmt.php#007.011 7:11-12]


Vidding - Content

1 This lead to the inevitable creation of a whole new vocabulary currently in use amongst vidders which includes terms such as shipwars and OTPs.


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OTPS