Patent attributes
Methods and systems are provided for non-cryptographic capabilities of a token such as a smartcard to be used as an additional authentication factor when multi-factor authentication is required. Smartcards are configured to generate a transaction code each time a transaction is attempted by the smartcard. The transaction code is dynamic, changing with each transaction, and therefore is used as a one-time password. When a user attempts to access a service or application requiring at least two authentication factors, a secure processor is used to read transaction code from the smartcard. The secure processor establishes a secure communication with the remote computer hosting the service or application. The transaction code can then be encrypted prior to transmission over the public Internet, providing an additional layer of security.
