| 摘要 |
Systems and methods for enhancing the convenience, reliability and security of transactions are provided. In authenticating a user attempting to engage in a transaction, a machine-readable indicia may be optically acquired and a challenge derived therefrom sent to a one-time password (OTP) application running on a mobile or other device. The device may then generate a response OTP using, at least in part, the derived challenge. The response may be read by a user and used in-band or may alternatively be sent by the mobile device out-of-band to an authentication server, which may respond with an authentication response operable to authenticate the user. |
