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Feb 23, 2017 at 18:47 comment added Joel Coehoorn I could see this being helpful if it is the PIN in a password + PIN approach, where you need to know both. Make this the fallback if the user refuses to enable real two-factor; at least there would something else that's a little harder to capture. In a world where people re-use passwords all the time, it might be enough protect a bank account from a shared password that was compromised at another site.
Feb 23, 2017 at 14:25 history answered Serge Ballesta CC BY-SA 3.0