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What is the full form of OTP

OTP: One-time Password

OTP stands for One Time Password. It is a 4 or 6 digit code which is also known as a one-time pin or dynamic password. It is a type of security password that is valid only for a single-use or transaction and on a single computer, mobile device, etc., which is used for the transaction.

OTP Full Form

OTP provides an extra layer of security while using your debit cards, credit cards for online transactions such as mobile recharge, online shopping, paying bills, etc. It is sent by your bank to your registered mobile number during the transaction just before the last step.

The code is meant to be used only once and within the given time frame that may be around 3 minutes. If you don't use this code within the given time limits, it will expire, and you have to click the "resend the OTP" option. Furthermore, OTP is generated randomly, so on one can guess it and it becomes invalid after it has been used once, so can't be used again.

It provides more security than static passwords such as login or transaction password, which remains the same for multiple login sessions and transactions. Even if someone has your bank account details, login id, and password, he would not able to use your account as the OTP will come to your mobile and without that, the fraud can't complete the transaction.

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