Patent ID: 11924198
Assignee: MASTERCARD TECHNOLOGIES CANADA ULC
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 11:
12. A method comprising:
receiving, with an electronic processor, a one-time-passcode (OTP) request via a communication interface;
generating, with the electronic processor, a behavioral one-time-passcode (OTP) based on a user profile stored in a memory in response to receiving the OTP request; and
controlling, with the electronic processor, the communication interface to output the behavioral OTP that is generated;
receiving, with the electronic processor, a request for validation of a submission of the behavioral OTP;
controlling, with the electronic processor, the communication interface to output a result that indicates whether the submission of the behavioral OTP is successfully validated;
controlling, with the electronic processor, the memory to store observations of the submission of the behavioral OTP in a pattern table that is included in the user profile; and
performing, with the electronic processor, a passive behavioral analysis based on the pattern table and the observations of the submission of the behavioral OTP,
wherein the result also indicates whether a user that submitted the behavioral OTP is the same as a previously-observed user associated with the user profile.