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  • Writer's pictureShashank Raj

How does OTP System Works?

I assume that all of you are doing well from your abodes! So today, I am back with something very common to all of us, yet we all never wondered the inside out of it.

Just a catchy welcome! 😁

What is OTP?

OTP (One-Time Password) is a time-stamped token that is used for client(user) authentication. It is generally composed of numeric or alphanumeric characters.

How is it generated?

OTP (One-Time Password) is a triggered action that is generated by the combinations of two utilities, namely,

  1. Hashed Message Authentication Code (HMAC) algorithm

  2. Time-Based One-Time Password (TOTP, or OTP) or HMAC-based One-time Password algorithm (HOTP)


Let's assume you are shopping on a website, and at the time of checkout, as soon as you put in your card details, the payment gateway verifies the card information with the card issuer. If required by the card issuer, an additional layer of authentication, say OTP (One-time password), is deployed wherein the card authentication server triggers a unique six-digit to your registered mobile number, which is unique at an instant due to the fact it is time-stamped. That's it. You now put OTP on the card verification page, and voila! Payment done.

Process Flow 😄

That's it, keeping it short, simple, and understandable by all. If you wish to discuss more on this or simply want to have a word with me, just drop me a message below in the contact box. Please note that the replies may be delayed because I already have tons of emails to reply. Till then bye!

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