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

Claim 0:
1. A server comprising:
a memory including a behavioral one-time-passcode (OTP) program and a user profile repository; and
an electronic processor communicatively connected to the memory, the electronic processor, when executing the behavioral OTP program, is configured to:
receive a one-time-passcode (OTP) request,
generate a behavioral one-time-passcode (OTP) based on a user profile stored in the user profile repository in response to receiving the OTP request,
output the behavioral OTP that is generated,
receive a request for validation of a submission of the behavioral OTP,
output a result that indicates whether the submission of the behavioral OTP is successfully validated,
store observations of the submission of the behavioral OTP in a pattern table that is included in the user profile, and
perform 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.