Multi-factor automated teller machine (ATM) personal number (PIN)

A device, comprising:

• one or more memories;
• and
• one or more processors, coupled to the one or more memories, configured to:
• receive a set of parameters for multi-factor input associated with validating a user account;
• receive a user input, associated with accessing the user account, comprising a plurality of characters associated with the set of parameters;
• determine whether the user input is valid for the user account based on the set of parameters and the plurality of characters;
• and
• transmit an indication of whether the user input is valid for the user account.

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

• one or more instructions that, when executed by one or more processors of a device, cause the device to:
• receive a set of parameters for multi-factor input associated with validating a user account;
• receive a user input, associated with accessing the user account, comprising a plurality of characters associated with the set of parameters;
• determine whether the user input is valid for the user account based on the set of parameters and the plurality of characters;
• and
• transmit an indication of whether the user input is valid for the user account.