Abstract: Embodiments for implementing public and private geo-fences are generally described herein. A system comprises a geo-fence server adapted to: receive geographical coordinates of a device; determine that the device is located in a geo-fence; determine a type of the geo-fence; and transmit a notification to the device based on the type of the geo-fence. A mobile device for using person-to-person geo-fences is adapted to: receive a geo-fence object; store the geo-fence object at the mobile device; subsequent to storing the geo-fence object, obtain a geographical position of the mobile device; determine whether the mobile device is located in a geo-fence based on the geographical position; determine whether the geo-fence object is associated with the geo-fence; and present the geo-fence object when the geo-fence object is associated with the geo-fence.

Abstract: Embodiments are directed to generation and verification of one-time passwords. A one-time password is generated by an apparatus of an authenticating party in response to a one-time password production request. The one-time password is based on a secret value shared between the apparatus and a relying party. The shared secret value is based on a private key of the apparatus and on a public key of the relying party, and is unique to the relying party and to the production request.