A one - time Password (OTP) is a password that is valid for only one login session, on a computer system or other digital device.” Authenticating users over the phone or on your website is the most important factor of for any business .It can be proved very secure for your any kind of business. Most secure authentication nowadays many businesses rely on SMS. They send SMS , one time password OTP to users when users want to make any important transactions on their site or over telephone. OTPs avoid a number of shortcoming that are associated with traditional password based authentication; a number of implementations also incorporate two factor authentication by ensuring that the one time password requires access to something a person has (such a small keying fob device with the OTP calculator built in to it.

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