Patent ID: 8245292

Claim:
A method for performing multi-factor authentication in a processor using a non-cryptographic capability of a smartcard as an authentication factor, comprising: (a) requesting access to a device; (b) receiving at least one request for authentication using at least two authentication factors; (c) receiving authentication data associated with a first authentication factor; (d) receiving authentication data associated with a second authentication factor from a smartcard, wherein step (d) includes: (i) establishing communication between the processor and the smartcard, (ii) simulating a financial payment transaction request with the smartcard to cause the smartcard to generate a transaction code, wherein the simulated financial payment transaction request includes a monetary transaction amount of zero, and (iii) receiving the transaction code from the smartcard, wherein the transaction code monotonically increases each time a financial payment transaction is attempted with the smartcard; (e) communicating both the authentication data associated with the first authentication factor and a one-time password determined based on the transaction code as the authentication data associated with the second authentication factor to the device; and (f) receiving authorization to access the requested device if the first authentication data and the second authentication data were verified.