I wish the banks would pull their heads out of their asses and implement chip-and-PIN cards. The US is the last civilized country to not use this technology in it's cards. I travel internationally for work and find it increasingly difficult to use the "good old reliable plastic credit card", because the rest of the world is so far ahead of the US. Business should focus more on credit card security than on tech such as this, that probably won't even be available in a majority of stores. -- My hourly rates: $35 per hour. $45 per hour if you want to watch. $55 per hour if you want to help. $100 per hour if you already tried to fix it.
Pin and Chip has been cracked. It's almost entirely due to shoddy implementation of the protocol by the POS terminals. It used to be that the technology was considered so reliable that the credit card companies didn't have to refund your money in fraudulent use cases because it was your fault that you revealed your pin.