Computer-based systems configured for one-time passcode (OTP) protection and methods of use thereof

A system comprising:

• one or more processors;
• and
• a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to:
• obtain a trained One-Time Passcode (OTP) protection machine learning model that determines at least one phone number as presenting a security risk with respect to an OTP;
• receive, from a computing device of a user, a permission indicator identifying a permission by the user to detect OTPs and calls being received by the computing device;
• receive, from the computing device, an indication of at least one OTP data item being received, the at least one OTP data item including a particular OTP and associated with an authentication process of a particular issuing entity;
• process the at least one OTP data item to determine a time duration during which the particular OTP is valid;
• utilize the trained OTP protection machine learning model to determine one or more phone numbers as presenting a security risk with respect to the at least one OTP data item based at least in part on the particular OTP;
• instruct the computing device to update a contact list with an indication that the one or more phone numbers present a security risk with regard to the particular OTP during the time duration of the particular OTP;
• and
• instruct the computing device to commence at least one security measure for an incoming call from the one or more phone numbers during the time duration, based at least in part on the updated contact list.

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• obtaining a trained One-Time Passcode (OTP) protection machine learning model that determines at least one phone number as presenting a security risk with respect to an OTP;
• receiving from a computing device of a user, a permission indicator identifying a permission by the user to detect OTPs and calls being received by the computing device;
• receiving from the computing device, an indication of at least one OTP data item being received, the at least one OTP data item including a particular OTP and associated with an authentication process of a particular issuing entity;
• processing the at least one OTP data item to determine a time duration during which the particular OTP is valid;
• utilizing the trained OTP protection machine learning model to determine one or more phone numbers as presenting a security risk with respect to the at least one OTP data item based at least in part on the particular OTP;
• instructing the computing device to update a contact list with an indication that the one or more phone numbers present a security risk with regard to the particular OTP during the time duration of the particular OTP;
• and
• instructing the computing device to commence at least one security measure for an incoming call from the one or more phone numbers during the time duration, based at least in part on the updated contact list.