If you use the Identity Prefix to lookup the AES key for decryption, I'm not understanding what purpose the Secret Identifier serves. The spec says to use all zeroes if one is not needed, but can someone give me an example of when I might want to use one?
I understand that the "session counter" in combination with the "session use" is used to determine replay attacks. Why are these fields not combined into one non-volatile counter that goes up with each use. Wouldn't that serve the same purpose?
About the time stamp: Is it only really used when accepting 2 OTPs, one after the other during the same session. I've read articles online that say it guards against phishing attacks, but how?
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