The ArcotID OTP app is an all-purpose one-time-passcode (OTP) generator that provides an extra layer of security when you shop online or access online accounts. With ArcotID OTP, you use your mobile phone to generate a passcode that can be used to verify a MasterCard or Visa electronic payment transaction, or to login to an online account. This app supports EMV standards when generating the passcode for authenticating MasterCard and Visa online payment transactions. ArcotID OTP also supports HOTP standards for generating one-time-passcodes to use when authenticating to Web portals and VPNs.
How does it work?
Your card issuer, for example your bank or the organization where you have an online account, must use the CA Technologies authentication solution. You must sign up for the additional security with them. They will give you a link to download the application onto your phone, along with your userid and an activation code. You will run the ArcotID OTP app on your phone and enter the information provided by the organization to activate OTP authentication with this organization. You then choose a personal PIN that will be used to generate an OTP for this account. The OTP can be generated without a connection to your mobile network allowing you to authenticate anytime, anywhere using the one-time-passcode generated on your phone. When you are prompted to authenticate to your online account or to provide a passcode to shop online, you simply run the ArcotID OTP app, enter your personal PIN, and an OTP is displayed on the phone. You then enter the OTP into the application prompt to authenticate your e-payment transaction or to login to your account.
How can I test it?
1. Install ArcotID OTP App from App Store.
2. Browse to https://otp.arcot.com and follow the instructions.
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