METHOD AND APPARATUS FOR PROVIDING CLIENT-SIDE SCORE-BASED AUTHENTICATION

摘要

Methods, apparatus, and systems for generating and verifying one time passwords in connection with a risk assessment are disclosed. The risk assessment may comprise a client-side risk assessment. The risk assessment may also comprise a server-side risk assessment.

主权项

1. A method for generating an enhanced OTP comprising the steps of:
performing a first risk analysis; generating risk information data representing a result of said first risk analysis; determining a first value of a dynamic variable; generating cryptographic OTP data by cryptographically combining said first value of said dynamic variable with a cryptographic secret; and obtaining said enhanced OTP by combining said cryptographic OTP data with said risk information data.