Many forms of authentication, ranging from PINs and passwords to stronger authentication solutions such as tokens and smart cards, have seen their adoption and management issues. However easy to use or strong an authentication process is, it will always cause people to either lock or forget their passwords or tokens and as such render themselves without access to a network or application. Although many processes exist to help users gain access through alternative means, often a temporary or one-time password (OTP) is required. In this paper we review how these OTPs can be issued securely and in a user-friendly manner
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