One-time-password generated on reader device using key read from personal security device

A non-transitory computer readable medium storing software for access control using a personal security device (PSD) of a user, the software comprising:

• executable code that stores a one-time-password (OTP) key on the PSD;
• executable code that controls interfacing of a reader device, coupled to a host device, with the PSD;
• executable code that authenticates the reader device to the PSD, wherein the OTP key is only readable from the PSD by the reader device when the reader device is authenticated and a secure channel is established between the PSD and a reader device;
• executable code that transfers the OTP key from the PSD to the reader device over the secure channel;
• executable code that generates an OTP at the reader device using the OTP key transferred to the reader device from the PSD;
• and
• executable code that passes the OTP from the reader device to the host device or a validation system connected to the host device for validation.

A system for access control using a personal security device (PSD) of a user, comprising:

• the PSD;
• a non-contact field reader device coupled to a host device;
• and
• at least one processor that reads software stored on at least one computer readable medium, the software comprising:
• executable code that stores a one-time-password (OTP) key on the PSD;
• executable code that controls interfacing of a reader device, coupled to the host device, with the PSD;
• executable code that authenticates the reader device to the PSD, wherein the OTP key is only readable from the PSD by the reader device when the reader device is authenticated and a secure channel is established between the PSD and a reader device;
• executable code that transfers the OTP key from the PSD to the reader device over the secure channel;
• executable code that generates an OTP at the reader device using the OTP key transferred to the reader device from the PSD;
• and
• executable code that passes the OTP from the reader device to the host device or a validation system connected to the host device for validation.