Method and apparatus for providing client-side score-based authentication

Abstract

Methods, apparatus, and systems for generating and verifying one time passwords in connection with a risk assessment are disclosed. The risk assessment may comprise a client-side risk assessment. The risk assessment may also comprise a server-side risk assessment.

1 . A method for generating an enhanced OTP comprising the steps of:
 performing a first risk analysis;   generating risk information data representing a result of said first risk analysis;   determining a first value of a dynamic variable;   generating cryptographic OTP data by cryptographically combining said first value of said dynamic variable with a cryptographic secret; and   obtaining said enhanced OTP by combining said cryptographic OTP data with said risk information data.   
     
     
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