How can I build the test case to solve OTP or VTOS password issues

When we build the website for online trading stock, in each step for ordering buy/sell or transferring money, we required 2 levels for security. In 1st level, we require username and password, while in 2nd level we use OPT code or VTOS code that change in each time we log in.

So, how we can use keyword index to test “transferring money” feature which requires OPT code or VTOS code. We just can test this feature after we pass two security levels.

Great thanks