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One-Time Password

Definition of One-time Password

A one-time password (OTP) is a unique and temporary code used for authentication purposes. Unlike traditional passwords that remain constant, OTPs are valid for only a single login session or transaction, adding an extra layer of security to sensitive accounts and transactions.

Origin of One-time Password

The concept of OTPs traces back to the early days of computing when security concerns began to emerge alongside the expansion of digital networks. Initially developed as a means to combat unauthorized access, OTPs have evolved over the years to address the growing sophistication of cyber threats.

Practical Application of One-time Password

OTP technology finds widespread use in various sectors, including online banking, e-commerce, and secure access to corporate networks. For instance, when logging into an online banking portal, users often receive an OTP via SMS or email, which they must enter alongside their regular credentials to complete the login process. Similarly, OTPs are commonly employed during online transactions to verify the identity of the user and prevent fraudulent activities.

Benefits of One-time Password

The adoption of OTPs offers several key benefits:

Enhanced Security: OTPs provide an additional layer of security beyond traditional passwords, reducing the risk of unauthorized access and identity theft.

Mitigation of Credential Theft: Since OTPs are valid for a single use and expire shortly after issuance, they are less susceptible to interception or exploitation by malicious actors compared to static passwords.

Flexibility and Convenience: OTPs can be delivered through various channels such as SMS, email, or dedicated mobile apps, offering users flexibility in choosing their preferred method of authentication.


While OTPs significantly bolster security compared to static passwords, they are not immune to certain vulnerabilities such as phishing attacks or interception during transmission. However, when used in conjunction with other security measures, such as multi-factor authentication, OTPs greatly reduce the risk of unauthorized access.

No, OTPs are designed to be used only once and expire shortly after issuance. Reusing OTPs would compromise the security of the authentication process and defeat the purpose of using temporary codes.

If you encounter difficulties receiving your OTP, first ensure that you have entered the correct contact information (e.g., phone number or email address) and check your spam or junk folder. If the issue persists, contact the service provider for assistance and consider alternative authentication methods.


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