I don't know if you need a challenge question before sending the password. That might be appropriate for a user at a kiosk who can't easily access their e-mail.Even with the challenge question, all that's being proposed is that it will cause the new password to be sent to the user's email address. If you give up the login on the basis of the challenge question, you've just made that the password. And challenge questions are by their nature more easily guessed.