It's vital to retain a strong "something you know" element - yet how many of today's password or PIN replacements/enhancements don't have this?

Almost all attempts at replacing or strengthening passwords & PINs - namely "strong" passwords, tokens, SMS and biometrics - have flaws. Many of these stem from poor use of the "something you know" element. pin+ is a new ingredient which can fix many of those flaws by adding an extra layer. If you're using any of the four methods below, read on.