One Time Password (OTP)

Incorporating One Time Password (OTP) technology into a card enables strong two-factor authentication to eliminate fraudulent card-not-present (CNP) online transactions.

What is it?

OTP stands for One Time Password. An OTP is a password that is valid for only one login session or secure transaction on a computer device. OTPs avoid the security shortcomings of traditional static and/or printed passwords in that if a passcode is intercepted once, the associated access point is not vulnerable to repeated entry attempts.

Usage today

OTP's are generally delivered using a secondary device such as a mobile phone, or are sent to a "token" which displays the password on an LED screen.

Adapting technology to the card

A card enabled with OTP technology has the capability to provide a secure password credential to authenticate a login or transaction attempt. The password is displayed directly on the card or can be transmitted via NFC. An OTP enabled card can be used to access secure systems ranging from personal banking accounts to employee records and permissions, as well as initiate an online purchase transaction.

XCore's process

XCore's proprietary encapsulation process makes the embedding of OTP enabled technologies possible with any standard hot lamination process and with no compromise to graphical quality.

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