Methods and systems for authenticating users over networks
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United States of America Patent
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Oct 21, 2014
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app pub date -
Jul 20, 2011
filing date -
Jul 20, 2011
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Abstract
A method for authenticating users over networks includes requesting a one-time password, entering a personal identification number into a communications device, and retrieving a replaceable shared secret stored in the communications device. Moreover, the method includes generating a hashed personal identification number from the entered personal identification number, combining the hashed personal identification number with the replaceable shared secret to generate a modified shared secret, and generating a one-time password with the modified shared secret and the time of requesting the one-time password.
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