Assertion: password | /r/HasProperty | memorized by the user
Facets:
Source sentences:
text: OTPs should therefore not be disclosed to any third parties, and using an OTP as one layer in layered security is safer than using OTP alone; one way to implement layered security is to use an OTP in combination with a password that is memorized by the user (and never transmitted to the user, as OTPs often are).