Patent ID: 8266441

Claim:
A credit/debit card comprising: one or more input devices positioned on the credit/debit card and configured to enable a user of the credit/debit card to input information into the credit/debit card including a challenge response, wherein the one or more input devices comprises a plurality of buttons corresponding to a plurality of characters, wherein a challenge response comprises a plurality of characters, and wherein a challenge response may be input into the credit/debit card using the plurality of buttons; a processor in communication with the one or more input devices, wherein said processor is configured to determine whether an input challenge response is successful; a one-time password generator configured to generate a one-time password based at least partially on the challenge response input by the user into the credit/debit card; a display for displaying the one-time password; a power source; and an authentication device allowing the credit/debit card to be used for performing credit/debit transactions.