Construcción de una arquitectura de contraseñas de un solo uso OTP’S para transacciones electrónicas de pequeñas y medianas instituciones financieras

Abstract

In the current digital landscape, online transaction security is of high priority for financial institutions, not only for large entities but also for small and medium-sized ones, which often face budget constraints and lack of specialized knowledge in developing secure projects with a focus on cybersecurity. This thesis addresses this issue by developing an architecture for the generation of one-time authentication codes (OTP), aimed at enhancing the security of client monetary transactions. The main objective of this project is to develop an architecture that generates secure OTP codes and is accessible to a wide range of financial institutions. An analysis of the current state of OTP technology is conducted, examining its applications in connected (online) and disconnected (offline) environments, and its effects on transactional security. Furthermore, the impact of these technologies in preventing fraud and unauthorized access is studied. In the development of this architecture, a mobile application has been designed and implemented, using a mixed methodology that allows its adaptation and integration into various technological platforms. Similarly, a flexible and adaptable API has been created, which can be easily integrated into existing or new projects, thus promoting a wider adoption of the proposed solution. This work highlights the need for accessible and efficient security solutions, not only for institutions with economic resources but also for small and medium-sized ones, democratizing security in the digital financial ecosystem. The project will significantly contribute to the field of financial cybersecurity, offering a solution that balances cost and effectiveness, and can be implemented in a variety of institutional contexts, thus marking a step forward in the protection of transactions in the digital realm.