At the moment getting a 6 figure code, by txt, is the 4th layer of security i have to go through, to log into my online bank account,They have recently informed me that they are also going for two tier authentication for some card transactions from now on. That will involve both the current PIN or biometric plus a code sent to your mobile phone, presumably to be entered into the card reader like the PIN number, only being a random number. This will probably apply to payments greater than £100 or it will be too intrusive at smaller retail outlets. Possibly for 'customer not present' phone sales, which would eliminate the possibility of crooked retailer staff re-using card details fraudulently. May
Amazon as well need a code each time i log on. If, like me, your in a weak mobile signal area, and have to go outside the house to
get a signal, then it is a right PITA.