One time Password(OTP) Generation for different Payment Gateways

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Hi,I have got requirement to create an application for generating OTP messages
For different gateways. Ex: <xxxx> gateway places a request to our <bank otp="">
Application> to generate and send the OTP messages and it provides set of
rules and algorithm mechanism to encrypt and decrypt the data. The rules and algorithms will be specific to <xxxx> payment gateway. My Requirement is to create a Generalized Application which can be plugged to any payment gateway application for generating OTP Messages.

If you have any idea or suggestions please let me know.Thanks in advance.

Posted 3-Feb-15 0:02am

veereshIndia

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Pandu Rang · Answer 1 · 2015-02-03T18:34:00

OTP are of different type, they can challenge Respond, soft Token, Email and SMS.

Soft Token and Challenge Respond can also be said as 2FA (two factor authentication).

Generally these systems are very complex. But if you are very specific about OTP using SMS and Email(i.e sending to OTP to user registered Mobile number or Email id) then it can be done hosting your application as webservice/Rest API. But it should have access to user details.

Hope this info helps you.

Regards,
Panduranga.