About this interactive
A one-time password (OTP) is a code that proves you hold a device, usually a phone, as one step of a sign-in. The One-Time Passwords lesson gives it two limits.
It works once. After a code has been used to sign in, it is no longer valid, so typing it again, or someone else replaying it, fails.
It expires. A code sent by text, call or email, and the time-based code an authenticator app shows, is good for a short time, perhaps thirty seconds, a minute or fifteen minutes. After that it fails even if nobody used it, and a new code has to be requested or generated. The exception is the counter-based kind (HOTP) in the next lesson: its codes do not run out on a clock.
The code reaches you in one of two ways: it is sent to the device, by text message, voice call or email, or it is generated on the device, by an authenticator app. You may also hear it called a one-time PIN, a passcode or a dynamic password.
A quick test for each card: has this code been used already? If not, is it still inside its time limit?
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