| CPC H04L 63/0838 (2013.01) [H04W 4/14 (2013.01)] | 24 Claims |

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23. A non-transitory computer readable storage medium having embodied thereon, computer program codes comprising instructions executable by at least one processor for creating and transmitting a rich one-time password (RichOTP) message comprising a one-time password (OTP) and a brand identity, said computer program codes comprising:
a first computer program code for receiving a short message service (SMS) message from a brand, wherein said brand comprises an enterprise or a division of an enterprise, or said brand used by said enterprise or an organization, that intends to send said OTP to authenticate a user, wherein a reference made to a brand taking or receiving an action refers to a developer or another person taking or receiving said action on behalf of said brand, or an application that is taking or receiving said action on behalf of said brand;
a second computer program code for determining that said brand is registered for sending said RichOTP message;
a third computer program code for determining that the received SMS message contains said OTP;
a fourth computer program code for creating said RichOTP message based on a reviewed and approved template, wherein said created RichOTP message comprises a message, a verification mark, a brand name, a brand logo, a brand icon of the brand involved in a transaction with said user, and the OTP;
a fifth computer program code for transmitting said RichOTP message created by said RichOTP application to a mobile number of said user over a network.
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