OTP issues

lr1277

I don't know if this solution appeals but it is what I do with my mum.

Having said that she banks with Santander and I don't remember her having to enter an OTP but I could easily be wrong.

The way we work it is this. She opens the computer. I log into my mum's computer from my computer. I then bring up the bank's website and enter the security details; she is texted the OTP which she reads out to me, I enter it and then she is logged in. She tells me what actions she wants taken and I do them. Once finished I close the bank's website and then the connection between her computer and my computer.

I use VNC. I installed VNC server on my mum's computer and I have the client on my computer. You can also install the VNC client as an app on an iOS phone or tablet. Don't know about Android. Having said that I have never used the VNC app (either one) to log onto mum's computer. Another reason I do this on my computer is that I talk to my mum using the speakerphone on my phone whilst I am entering the data on the computer.

My brother's firm uses Windows Team (I think is what it is called). He thinks it is a little bit more secure than VNC.

Mum is ok with email on the tablet and Whatsapp on her phone, but is not confident around the computer. Which is where I come in.

This solution works for other things to be done on the computer like email, printing out documents that she can't print out etc.

I have to physically be there when the printer 'forgets' the WiFi password and I have to enter it.

HTH

Katiehound

I am wracking my brains to remember exactly what happens with Halifax & Lloyds. (I was away for 6 weeks so had to log on to everything and they all worked slightly  differently!)

I am fairly sure that H & L  say something like " We need to check it is you"
We will ring you on- may have choice of landline or mobile- I always chose landline.

Phone rings:
You need to answer! eg Hello
"you are setting up a payment to ........ for £.........
Please key in or say the numbers displayed on your computer screen 
"That ? has been accepted, please cut off and follow directions on the screen.."

Numbers are displayed on the computer screen- may be 6, never letters
Voice doesn't seem to hear well lately 'though I speak clearly so now I always key in the numbers
 

elsien

Don’t Lloyds have the option to turn off OTP on a trusted computer unless you’re setting up someone new?
Fairly sure that’s what  83 year old parent chose to do.  Under strict instructions to wait till I’m there if she’s paying anyone other then me, the gardener or the cleaner from her account. 

Katiehound

elsien said:

Don’t Lloyds have the option to turn off OTP on a trusted computer unless you’re setting up someone new?
Fairly sure that’s what  83 year old parent chose to do.  Under strict instructions to wait till I’m there if she’s paying anyone other then me, the gardener or the cleaner from her account. 

Yes
- but as you say setting up a new payment needs a code- but it is easy

pafpcg

Beci said:

My 84 yo mum is IT savvy enough to have a PC and use online banking, but does not use a mobile phone. She banks with Santander and is normally able to access it using her normal username and a pass code. But in the recent few weeks she is now required to generate a OTP. I am aware that banks require this as I need to do this every time I access my own bank account, but the problem is that it gives her 30 seconds in which to access her email, refresh it, hope that the OTP email arrives. Note down the 8 random letters and numbers and then go back to her login screen and type them in.

Frankly this is near impossible for every the most tech savvy to manage!

 Santander don't appear to be interested in helping her find an alternative method of generating the OTP (I'm thinking some sort of secure token device or similar) so I wondered if there are any more user friendly bank accounts out there that might be worth moving her to?

How do you know that there's a 30 second time limit for submitting the OTP code to confirm a transaction?

I use the Santander OTP process regularly with a mobilephone and I admit that I don't like it, but I don't recall ever getting 'timed out', certainly not in such a short time.  I've just timed using an OTP to confirm a transaction - I pressed the confirm button after entering all the codes exactly two minutes after starting the OTP process and received a successful acknowledgement. 

The OTP process includes a warning that it can take three minutes for the OTP SMS message to arrive on a mobileohone so the time limit must be greater than that. I doubt that Santander would impose a much shorter (only 30 seconds) time limit for email than for mobilephones - I suggest contacting Santander to ask specifically what is the time limit allowed for submitting OTP confirmations using email.

AmityNeon

30 seconds is usually the time limit for OTPs generated by apps, where you have continuous instant access to newly refreshed codes. UK banks have their own implementations where the time limit is longer than this. I'd be incredulous if 30 seconds was the time limit for an OTP that had to be sent via a communications network.