We use something similar at work, 8 digit number that refreshes every 60 seconds on our phones that has to be used within that 60 second timeframe to log in along with username and password otherwise you don't get in.

Also there is an australian guy on instagram who trades on betfair, particularly on major sporting events and claims to make big money. Put a video up yesterday showing his account balance being over $9 million dollars. Can post his instagram handle here for those of you with instagram accounts that want to have a look - seemed kinda bogus to me but maybe i'm just overly skeptical.