One card could have been shot at 11am but be the second card we import, the first having been shot at 1pm on the same day.
A bit difficult for any software to work that out I would have thought
Would the re-naming options of driver letter, camera model, or session sequence help?
You won't get exactly what you have described but if willing work with the software, something approaching your requirement cold be met.
You might have to consider a second round of re-naming to get exactly what you want using something like ReName Master (freeware)
http://www.joejoesoft.com/cms/showpage.php?cid=108Terry.