One-Time Password (OTP), a secure authentication system, provides an extra layer of security for sensitive data and information by requiring a six-digit password that is only valid for one login. This password, generated approximately every 30 seconds, is provided to the customer by a hardware authenticator device and is required in combination with a user name and PIN.
In contrast to static passwords, one-time passwords are not vulnerable to malicious users recording or obtaining the user name and password to access the resource. Without the proper combination of user name, PIN, and one-time password, no one can gain access to secured resources.
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