A massive struggle for businesses worldwide is to secure access to systems, applications, and cloud-based software. To protect customer passwords and other sensitive business information, implementing corrective actions with quick and easy but credible data protection is fundamental. The two types of authentication are One Time Password (OTP) and Multifactor Authentication(MFA). A practical approach to both security breaches and UX is OTP authentication, and there are several OTP service providers. Both B2B and B2C corporations have had an obligation to maintain their client and business data while keeping a fantastic user experience (UX). It indicates that it needs optimization without significantly interfering with the development environment, with whatever security solution they choose. There are two different types of OTP present: HOTP and TOTP.
One Time Password (OTP):
An OTP is more like a key but could be used only once, and therefore it indicates a one-time password. An alternative authentication system that offers extra protection is mostly in use in conjunction with a standard password. It’s useless as soon as a person uses the password, and then the next time he or she attempts to get into that program, they will have to use another one. Members can view an OTP via mobile applications, a text message, or a standardized and unique token for a specific program or website. An example of an OTP generator that clients can use as an app on a smartphone is OneLogin Protect. All these algorithms use two OTP service providers’ inputs to produce the OTP code: a seed and a moving factor. The seed is a secret key generated upon its authentication server when one registers on a new account.
Hash-based Message Authentication Code Message Authentication One Time Password (HOTP):
H represents the Hash-based Message Authentication Code (HMAC) in HOTP. The moving factor is raised based on a counter per time the HOTP is demanded and authenticated. The created code is legitimate until clients successfully require another one and the authentication server legitimizes it.
Time-based One-time Password (TOTP):
In Time-based One-time Password (TOTP), the moving factor in a TOTP is time-based rather than counter-based. A timestep is called the length of time in which any password is legitimate. Timesteps appear, as a norm, to be 30 seconds or 60 seconds long. It will no longer be relevant if the user has not used his or her password during that window, and he or she will need to submit a new one to obtain access to the application.
Multi-Factor Authentication (MFA):
Multi-factor authentication (MFA) is a safety feature that needs many keys for one authentication process for login or other interactions to validate the user’s identity. MFA would construct layered security to make it much harder to enter a server or network for unauthorized personnel. Two or more different passwords merge in the MFA: what the client knows (password), what all the client has (security token), and even what the user is (biometric verification). Two-factor authentication gives a higher degree of assurance than authentication mechanisms that rely on a password or confirmation code only.
Through analyzing situational and qualitative considerations before offering authentication, risk in the authentication process can reduce, taking all the authentication factors into account. The potential risk is measured based on how specific questions are responded to, which will help assess if a different authentication mechanism will prompt a user if they will still be able to log in or not.
Advantages and Disadvantages:
Although these are much safer than not having MFA at all, both HOTP and TOTP have drawbacks and benefits. It is easy to use and implement TOTP (the newest of the technologies); however, the time-based factor has the potential for time drifting, which is the gap between the password production and its usage. Unless the user does not access the TOTP, there is a risk that it will expire when they do. But the server needs to prepare for that to make it possible for the user to try again without locking them out immediately.
Since the time-based restriction of HOTP is not present, it is consumer-friendly but could be more susceptible to threats or attacks. It is due to a reasonably long timeframe due to which the HOTP is relevant. Choosing an OTP generator such as an authenticator app is a better way to use MFA than the alternatives for SMS messages, regardless of which form of OTP you use since SIM card theft or another form of intrusion lets them control access to the messages.
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