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A password-generating token
|“|| produces a unique pass-code, also known as a one-time password (OTP) each time it is used. The token ensures that the same OTP is not used consecutively. The OTP is displayed on a small screen on the token. The customer first enters his or her user name and regular password (first factor), followed by the OTP generated by the token (second factor). The customer is authenticated if (1) the regular password matches and (2) the OTP generated by the token matches the password on the authentication server. A new OTP is typically generated every 60 seconds — in some systems, every 30 seconds. This very brief period is the life span of that password. OTP tokens generally last 4 to 5 years before they need to be replaced.
Password-generating tokens are secure because of the time-sensitive, synchronized nature of the authentication. The randomness, unpredictability, and uniqueness of the OTPs substantially increase the difficulty of a cyber thief capturing and using OTPs gained from keyboard logging.