Build a Website OTP authentication

This project aims to use a three-factor authentication process where the mobile phone produces multiple OTPs from an initial seed using a recent developed production scheme, along with entering password and the randomly generated personal questions from the profile database filled initially by the user. The initial seed is derived by the use of banks unique parameters. Utilizing the many from one function for a certain seed, removes the requirement of sending SMS-based OTPs to users, and removes the issues related to the SMS system. Thus generating the Seeded OTP approved by the host server. The server pops client with a personal question for advanced authentication. There after transaction is approved.