One-time password(one time password, OTP) is a password valid for only one session. The validity of a one-time password can also be limited to a certain period of time. The advantage of a one-time password over a static password is that the password cannot be reused. Thus, an attacker who has intercepted data from a successful authentication session cannot use the copied password to gain access to the protected information system. The use of one-time passwords does not in itself protect against attacks based on active interference with the communication channel used for authentication (for example, against man-in-the-middle attacks).
To create one-time passwords, a one-time password generator is used, accessible only to a given user. Typically, one-time passwords are presented as a series of numbers and are used to access remote service systems. These are the internal information systems of the organization.
In the banking industry, the most common way to provide a one-time password is through an SMS message that the bank sends to a customer using the Internet banking system.
In addition, one-time passwords can be issued by the bank on a so-called scratch card - a plastic card on which the passwords are hidden behind an erasable coating. In this case, the client, having received instructions from the Internet banking system to enter a one-time password (with a specific serial number), erases the cover next to the required number on the card and enters the code into the system.
The method of issuing a list of one-time passwords on a receipt is practiced, but over time loses its relevance. Like passwords on a scratch card, they have serial numbers and are entered as directed by the online banking system.
In the fight against fraud, banks are increasingly using one-time passwords not only to confirm financial transactions, but also for the initial login to the Internet banking system.
Some online banking systems offer an electronic one-time code generator.
OTP generation algorithms typically use random numbers. This is necessary because otherwise it would be easy to predict subsequent passwords based on knowledge of previous ones. Specific OTP algorithms vary greatly in detail. Various approaches to creating one-time passwords are listed below.
- Using mathematical algorithms to create a new password based on previous ones (passwords are actually a chain, and must be used in a specific order).
- Based on time synchronization between server and client, providing a password (passwords are valid for a short period of time).
- Using a mathematical algorithm, where the new password is based on a challenge (for example, a random number chosen by the server or part of an incoming message) and/or a counter.
Today people often use Internet banking to pay bills, alimony, and loans. New technologies allow a person, sitting at a computer, to open an account or deposit and check the balance of money on his card. Using Internet banking allows you to significantly save time without spending money on commission fees in most cases. All you need is access to your personal account in the Sberbank Online system.
Not everyone knows how to obtain a list of one-time passwords for the purpose of further confirmation of transactions performed from the Sberbank personal account.
The need to obtain identification data
To conduct transactions with accounts and cards, a person must first receive a permanent password. This can be done in several ways, for example, by contacting a bank branch. Most often, people use ATMs to obtain data.
Generation occurs automatically at the request of the cardholder. The data can be changed later. It is best to use complex combinations to increase the level of security of your personal account.
Why do you need a one-time password?
A one-time password is needed to additionally verify the identity of a Sberbank client. Such an identification system is necessary:
- when logging into your personal account;
- when performing various operations with your cards, deposits, accounts through the Internet banking system.
There are the following types of one-time passwords:
- checks printed using ATMs or terminals (they contain 20 different passwords at once);
- passwords received in a message from Sberbank to the phone directly during a specific operation.
Some transactions in the Sberbank Online system can only be carried out after confirmation with an SMS password.
It is recommended to carry out any monetary transactions using one-time passwords. The user can disable Sberbank Online, but this will not prevent him from using one-time passwords at all. So, when working with various bank programs, their input will be necessary to confirm transactions.
Receiving one-time passwords
There are several ways to obtain one-time passwords. We must not forget that to work in the Internet banking system you will need a login and permanent password.
Through a Sberbank ATM
The client must be the holder of a debit (credit will not work) card of Sberbank of the Russian Federation. This could be a salary or payment card. If one is available, then you need to take it with you and go to the nearest terminal or ATM (the procedure for obtaining it is identical).
- You need to insert the card into the card reader.
- Enter the confirmation code when prompted by the system.
- The main menu will appear, in which you should click on the “Sberbank Online and Mobile Bank” section. If the ATM has old software installed, then such an item will not be there. In this case, you will need to click on the “Internet service” button.
- In the menu that opens, click on the “Get a list of one-time passwords” button. The ATM will print out a list of passwords, there are 20 of them.
The passwords in the list are timeless. If the user prints out new passwords, the old ones become invalid and can no longer be used.
To make it more convenient for the client to use passwords, they all have their own number. When performing any transactions on the Internet, the Internet banking system will require the user to enter a one-time password that has a specific number. They are requested in random order, so you need to pay close attention to the system message asking you to enter a one-time password.
Please note that payments and transfers that are confirmed by a one-time password from a check cannot exceed the amount of 3,000 rubles.
After all 20 passwords from the check are gone, you need to get new ones in the same way as the previous ones.
If a receipt with passwords was lost or its data became known to someone else, then you need to immediately print new ones or block old ones. To do this, you need to call the contact center at one of the following numbers –
- +7 (4 9 5 ) 5 0 0 - 5 5 5 0 ;
- +7 (8 0 0 ) 5 5 5 - 5 5 5 0 .
Via SMS
This method of obtaining one-time passwords is available only to those clients who have previously connected the Mobile Banking service to their card. This can be done by contacting any Sberbank branch or using a terminal (ATM). Another option for connecting to Mobile Banking is to call the contact center. To do this, you will need to provide control information, which is best prepared in advance.
When completing any transaction through Sberbank Online, the user receives messages with one-time passwords on their cell phone (one password - one message). Login must be done through a card to which the Mobile Bank is connected. Otherwise, you will need to use the list of one-time passwords from the receipt.
When viewing the sent message, you need to make sure that the transaction details are correct. To do this, you need to compare the data entered in the Sberbank Online system with the information from SMS.
Each one-time password is used once and cannot be used again. If the user has made a request to receive a new one-time password, the old one is canceled. It will no longer be possible to use it.
Messages with one-time passwords always come from the Sberbank short number 900. The following transaction details are indicated in the SMS:
- number of the card or account with which the transaction is made;
- transaction amount;
- password to confirm the operation.
There may be other data, depending on the type of transaction performed.
Procedure for entering one-time passwords
Based on the system settings of your personal account, you may be allowed to use one or more types of transaction confirmation with one-time passwords. If both methods can be used, the system will give the contractor a choice before confirming.
If the user selects confirmation from a check, the check number and password will appear next to the field.
If confirmation comes to your phone in the form of SMS, then the received password should be rewritten in the “Enter SMS password” line.
After the password has been entered, the system will prompt you to check all the details again. If all of them are filled out correctly, then you need to click on the “Confirm” button.
Which receiving method is more convenient to use?
If a person knows how to use one-time passwords in the Sberbank Online system, he has another question - which of the available methods is the most convenient and reliable?
To authorize in the system using the card data connected to the Mobile Bank, the one-time password received in the message will be needed to log in in any case. But operations can be confirmed in any way convenient for the user. SMS passwords do not always arrive on time. Sometimes they are sent out with a delay. And any of them only lasts 5 minutes. If the system or mobile connection malfunctions, it is better to use the passwords from the receipt for confirmation.
One-time password
Used to confirm a transaction made on the Internet, for example in a remote banking system. In the banking industry, the most common method of providing a one-time password is an SMS message sent to a customer conducting an online banking transaction.
In addition, one-time passwords can be issued by the bank on a so-called scratch card - a plastic card on which the passwords are hidden behind an erasable coating. In this case, the client, having received instructions from the Internet banking system to enter a one-time password (with a specific serial number), erases the cover next to the required number on the card and enters the code into the system.
The method of issuing a list of one-time passwords at an ATM - on a receipt - is practiced, but over time it loses its relevance. Like passwords on a scratch card, they have serial numbers and are entered as directed by the online banking system.
In the fight against fraud, banks are increasingly using one-time passwords not only to confirm financial transactions, but also for the initial login to the Internet banking system.
As a rule, credit institutions issue cards or printouts with one-time passwords for free, but this does not always happen. Thus, at Uralsib, a set of one-time keys for accessing the Internet banking system will cost the client 50 rubles; at Master Bank, a variable code card (containing 132 numbers) costs the client 200 rubles.
Some online banking systems, for example Bank of Moscow, SMP Bank, offer a token - an electronic generator of one-time codes. And Master Bank implements an application for portable devices, which also allows you to generate one-time codes.
See what a “One-time password” is in other dictionaries:
one-time password- dynamically changing password The OTP generator is a stand-alone portable electronic device capable of generating and displaying digital codes on the built-in LCD display. For the VASCO Digipass family of devices, the mechanism... ... Technical Translator's Guide
One-time password- VTB24 bank scratch card with one-time passwords One-time password (OTP) is a password valid ... Wikipedia
Disposable pad- Vernam cipher (another name: English One time pad one-time pad scheme) in cryptography, a symmetric encryption system invented in 1917 by AT T employees Major Joseph Mauborgne and Gilbert Vernam. The Vernam cipher is... ... Wikipedia
One-time password- Plastic card with one-time passwords A one-time password is a password that is valid only for one authentication process for a limited period of time. The advantage of a one-time password over a static password... ... Wikipedia
SecurID- RSA SecurID RSA SecurID logo ... Wikipedia
Authentication- (English Authentication) authentication procedure ... Wikipedia
Authentication- Authentication (English: Authentication) checking that the access subject owns the identifier presented by him; authentication... Wikipedia
Time-based One-time Password Algorithm- TOTP (Time based One Time Password Algorithm, RFC 6238.) OATH algorithm for creating one-time passwords for secure authentication, which is an improvement on HOTP (HMAC Based One Time Password Algorithm). Is a one-way algorithm... ... Wikipedia
Call-response (antispam)- Challenge response is a strategy for authenticating a user by checking the correctness of his response to an unpredictable system request. Most often, such a check is aimed at distinguishing a robot program from a real person.... ... Wikipedia
Vernam cipher- (another name: English One time pad one-time pad scheme) in cryptography, a symmetric encryption system invented in 1917 by AT T employees Major Joseph Mauborgne and Gilbert Vernam. Vernam cipher... ... Wikipedia
Using OTP (One Time Password) is an additional level of security when working with trading accounts. Each time you connect to your account, the user is required to enter a unique one-time password.
And acts as a one-time password generator.
To start using one-time passwords, you need to link your trading account to a password generator, which is a mobile platform for iPhone or Android.
Enable OTP on iPhone
Go to the "Settings" section of the mobile platform and select OTP. When opening this section for the first time, for additional security, you must set a four-digit password. The password will need to be entered each time to access the password generator.
Additional commands:
- Synchronize time - synchronize the time of the mobile device with the reference server. The requirement for accuracy is due to the fact that the one-time password is tied to the current time interval, and this time must match on the side of the trading platform and the server.
Enabling OTP on an Android device
Go to the "Accounts" section of the mobile terminal and press . When opening this section for the first time, for additional security, you must set a four-digit password. The password will need to be entered each time to access the password generator.
In the window that opens, select "Link to account".
Next, indicate the name of the server on which the trading account is opened, the account number and the master password for it. The "Bind" option should be left enabled. It must be turned off if you are going to unlink the specified account from the generator and no longer use one-time passwords.
After clicking the "Link" button located at the top of the window, the trading account will be linked to the generator and a corresponding message will appear.
Similarly, you can link an unlimited number of trading accounts to the generator.
The One Time Password is shown at the top of the OTP section. Below it, an indicator of the validity period of this password is displayed in the form of a blue stripe. Once the password expires, the password will become invalid and a new one will be generated.
Additional commands:
- Change password - change the password to access the generator.
- Synchronize time - synchronize the time of the mobile device with the reference server. The requirement for accuracy is due to the fact that the one-time password is tied to the current time interval, and this time must match on the client terminal and server sides.
Using OTP in the platform
After linking to the generator, when you try to connect through the trading platform using a trading account, you will additionally be asked for a one-time password:
Obtaining a user ID and one-time password through an ATM or usingSMS.
One-time password via ATM.
You can also obtain a user ID and permanent password using a Sberbank self-service device.Insert the card and enter the PIN code. Further in the list, select the item “Connect Sberbank Online and Mobile Bank”, go to a new page. Here you will need to click on the “Print One-Time Passwords” tab and receive them in the form of a receipt.
If you have not yet connected to the system, then first select the “Print ID and password” item and receive this data on the receipt. After this, reinsert the card, enter the PIN code and repeat all the steps described above.
One-time password via SMS.
For security purposes, when logging into the system or performing risky operations, additional user authentication is carried out using a one-time password.
Clients who use the mobile banking service can receive a one-time password. The bank sends a one-time password to the user's mobile device during the transaction. The user receives an SMS message indicating the parameters of the operation for which the password is intended. Please note that the one-time password must be used within 5 minutes and only to confirm the completion of a certain action.
Attention! Before entering a one-time password, you must check the details of the operation being carried out with the details specified in the SMS message. If you receive messages on behalf of Sberbank with details of a transaction that you did not perform, do not enter a one-time password into the appropriate forms and do not tell it to anyone, even if you are contacted on behalf of Sberbank employees.
An example of an SMS in the case of an operation to generate a payment template
54321 is a one-time password that is used to confirm the formation of the template.
Example SMS for a transfer operation
54321 — one-time password confirming the transfer.
Example of an SMS for a payment transaction
54321 — one-time password confirming payment.
Confirming transactions with a one-time password:
In order to confirm the operation, a message is sent to the phone connected to the mobile banking service with the operation parameters and a password for confirmation.
To complete the operation, you need to enter the password in the appropriate field and click the button CONFIRM.
We hope you were able to receive one-time passwords from Sberbank.
