It is good but has several inherent problems (other than almost no one using it). Your card number is static and so is your pin. If they get compromised, you are done. Changing token/pin resolve the static number problem completely, compromise of a used token has no impact whatsoever.
Steven Naslund Chicago IL > >IVR credit card PIN entry is a thing > >For example - >https://www.hdfcbank.com/personal/making-payments/security-measures/ivr-3d-secure
