Editing Smart card (section)

=====One time password=====

A Complex Card can be used to compute a cryptographic value, such as a [[One-time password]]. The One-Time Password is generated by a [[Secure cryptoprocessor|cryptoprocessor]] encapsulated in the card. To implement this function, the crypto processor must be initialized with a seed value, which enables the identification of the OTPs respective of each card. The hash of seed value has to be stored securely within the card to prevent unauthorized prediction of the generated OTPs.

One-Time Passwords generation is based either on incremental values (event based) or on a real time clock (time based). Using clock-based One-Time Password generation requires the Complex Card to be equipped with a [[Real-time clock]].

Complex Cards used to generate One Time Password have been developed for: 
* Standard Chartered,<ref>{{cite news |last1=Liau |first1=Yun Qing |title=MasterCard launching banking card with OTP capability |url=https://www.zdnet.com/finance/mastercard-launching-banking-card-with-otp-capability/ |access-date=12 May 2021 |publisher=ZDNet |date=8 November 2012 |archive-date=6 May 2021 |archive-url=https://web.archive.org/web/20210506072844/https://www.zdnet.com/article/mastercard-launching-banking-card-with-otp-capability/ |url-status=live }}</ref> Singapore,
* Bank of America,<ref>{{cite web |last1=GamerStuff |title=CES 2012: Interview Cyril Lalo NagraID Security |url=https://www.youtube.com/watch?v=xIEHHZH9br8  |archive-url=https://ghostarchive.org/varchive/youtube/20211211/xIEHHZH9br8| archive-date=11 December 2021 |url-status=live|via=YouTube |access-date=12 May 2021 |date=24 January 2012}}{{cbignore}}</ref> USA, 
* Erste Bank, Croatia, 
* Verisign,<ref>{{cite web |title=Mastercard, Symantec and NagraID Security team up to provide further payment card security features |url=https://www.nagra.com/media-center/press-releases/mastercard-symantec-and-nagraid-security-team-provide-further-payment |website=nagra.com |access-date=12 May 2021 |date=14 February 2011 |archive-date=12 May 2021 |archive-url=https://web.archive.org/web/20210512121504/https://www.nagra.com/media-center/press-releases/mastercard-symantec-and-nagraid-security-team-provide-further-payment |url-status=live }}</ref> USA,
* RSA Security.<ref>{{cite news |title=RSA SecurID SD200 – hardware token Series Specs |url=https://www.cnet.com/products/rsa-securid-sd200-hardware-token-series/ |access-date=12 May 2021 |publisher=CNET |archive-date=12 May 2021 |archive-url=https://web.archive.org/web/20210512101921/https://www.cnet.com/products/rsa-securid-sd200-hardware-token-series/ |url-status=live }}</ref>