Bank of America Corporation
System for authentication using channel dependent one-time passwords

Abstract:

The present disclosure is directed to a novel system for using a dual factor authorization design for generating channel-dependent one-time passwords. In particular, the system may extract a client code and user code from an authorization code to be sent to a client and a user, respectively. When the user submits the user code via the client, the user code is combined with the client code to create the full authorization code to allow for the authentication of the user. The authorization code may further be mapped to a specific client and/or context. In this way, the system provides a secure way to minimize the incidence of unauthorized access to a user's account without creating additional technical burdens for the user.