Abstract
SMS-based One-Time Passwords (SMS OTP) were introduced to counter phishing and other attacks against Internet services such as online banking. Today, SMS OTPs are commonly used for authentication and authorization for many different applications. Two-factor authentication provides improved protection, since users are prompted to provide something they know and something they have. This method delivers a higher-level of authentication assurance, which is essential for online banking security. This paper describes a method of implementing two factor authentication using mobile phones. The proposed system involves using a mobile phone as a software token for One Time Password generation.
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