Method and system for detecting phishing calls using one-time password

1. A method for phishing detection, performed by a mobile device, comprising:

receiving a first communication OTP (one-time password), from a remote caller purporting to be from a trusted organization, into the mobile device, the first communication OTP being distinct from a transaction OTP used for financial transactions;

generating a second communication OTP, using an OTP generation system provided by the trusted organization, the second communication OTP being distinct from a transaction OTP used for financial transactions;

comparing, in the mobile device, the first communication OTP and the second communication OTP; and

in response to the first communication OTP matching the second communication OTP, determining that the remote caller is legitimate; or

in response to the first communication OTP mismatching the second communication OTP, determining that the remote caller is illegitimate.

2. The method of claim 1 , further comprising:

indicating, by the mobile device, the legitimacy or illegitimacy of the remote caller, based on the comparing.

3. The method of claim 1 , wherein the receiving of the first communication OTP comprises:

receiving the first communication OTP as an SMS (short messaging service) message.

4. The method of claim 1 , wherein the receiving of the first communication OTP comprises:

receiving the first communication OTP as a speech message; and

transcribing, using voice recognition in the mobile device, the speech message to text.

5. The method of claim 1 , wherein:

each of the trusted organization and the mobile device has a secret key specific to a user of the mobile device; and

each of the first communication OTP and the second communication OTP is based on the secret key.

6. The method of claim 1 , wherein the generating of the second communication OTP comprises:

generating a time-based OTP that is based on time-synchronization with the trusted organization.

7. A tangible, non-transitory, computer-readable media having instructions thereupon which, when executed by a processor of a mobile device, cause the processor to perform a method comprising:

receiving a first communication OTP (one-time password) into the mobile device, the first communication OTP being from a remote caller purporting to be from a trusted organization, the first communication OTP being distinct from a transaction OTP used for financial transactions;

producing a second communication OTP, from within the mobile device or received from an OTP generation system external to the mobile device, the second communication OTP being distinct from a transaction OTP used for financial transactions;

comparing the first communication OTP and the second communication OTP, in the mobile device; and

in response to the first communication OTP and the second communication OTP matching determining that the remote caller is legitimate; or

in response to the first communication OTP and the second communication OTP mismatching, determining that the remote caller is illegitimate.

8. The computer-readable media of claim 7 , wherein the method further comprises:

displaying, on a screen of the mobile device, an indication of the legitimacy or illegitimacy of the remote caller, based on the comparing.

9. The computer-readable media of claim 7 , wherein the receiving of the first communication OTP comprises receiving the first communication OTP in an SMS (short messaging service) message.

10. The computer-readable media of claim 7 , wherein the receiving of the first communication OTP comprises:

receiving the first communication OTP by human voice or synthesized voice; and

transcribing the first communication OTP from the human voice or the synthesized voice into text, using speech recognition in the mobile device.

11. The computer-readable media of claim 7 , wherein the method further comprises:

generating or exchanging a secret key specific to a user of the mobile device such that the trusted organization and the mobile device share the secret key.

12. The computer-readable media of claim 7 , wherein:

the producing the second communication OTP is based on time-synchronization with the trusted organization.

13. A mobile device with a vishing (voice phishing) detection system, comprising:

a mobile device having memory and a processor; and

the mobile device configurable to perform a method comprising:

receiving a first communication OTP (one-time password), from a remote caller represented as from a trusted organization, into the mobile device, the first communication OTP being distinct from a transaction OTP used for financial transactions;

generating a second communication OTP within the mobile device or receiving the second communication OTP from a device external to the mobile device, the second communication OTP being distinct from a transaction OTP used for financial transactions;

comparing the first communication OTP and the second communication OTP, in the mobile device; and

indicating legitimacy or illegitimacy of the remote caller, based on the comparing.

14. The mobile device of claim 13 , wherein the mobile device is configurable to receive the first communication OTP in an SMS (short messaging service) message.

15. The mobile device of claim 13 , wherein:

the mobile device is configurable to receive the first communication OTP as a speech message by human voice or speech synthesis; and

the mobile device is configurable to transcribe the first communication OTP from the speech message to text.

16. The mobile device of claim 13 , wherein the mobile device is configurable to generate or exchange a secret key specific to a user of the mobile device so that the trusted organization and the mobile device share the secret key and base the first communication OTP and the second communication OTP on the secret key.

17. The mobile device of claim 13 , wherein:

the mobile device is configurable to generate a transaction OTP for financial transactions; and

the transaction OTP is distinct from the first communication OTP and the second communication OTP.

18. The mobile device of claim 13 , wherein the mobile device is configurable to generate the second communication OTP using time-synchronization with the trusted organization.