Methods for authenticating a user utilizing a smart speaker system are presented, the methods including: requesting a user authentication by issuing a voice command to a smart speaker; playing a sonic one-time password (OTP) on the smart speaker received from an authentication server in response to the requesting a user authentication; receiving the sonic OTP by a mobile device of the user; transmitting an OTP decoded from the sonic OTP to the authentication server; and authorizing the user by the authentication server to execute a secure transaction using the smart speaker system.