A method for authenticating an end user. The method begins by generating a login field in response to receiving an authentication request from an end user. The login field comprises a plurality of colored nodes containing a first subset of nodes matching both color and location to a second subset of nodes residing in a transparent credit card being controlled by the end user. Next the method determines the authenticity status of the end user by comparing data received from the end user with the first subset of nodes. The end user having generated the data by overlaying the transparent credit card on top of the login field and selecting at least one colored node. Each node being selected according to a function utilizing both static and dynamic variables. Finally, the method sends the determined authenticity status to the end user via an output device.