Chip & Pin in US?

[jmbfestool]

Does it really need explaining that a cruise ship takes longer to turn than a kayak?

No but if you look at Europe as a entire country who has been able to change  your size comparison is out of proportion.  Yes a single country would be a kayak but not Europe.   Meaning USA isn't that big to not be able to make change quicker.   

But Europe isn't a country, the UK is a sovereign nation able to make systemic changes independent of its neighbors far easier than say Texas can change without first having a change at the fed level. This has its pluses and minuses, but the point is Europe as a whole may compare geographically with the US but not politically.

well not to go all political like but UK has no power what they can and can't do we are ruled by Europe

I believe people in power or influence have something to do with it. Stopping the development.

And this is somehow unique to the US? LOL. very true very true!

Very much like your food in some of your schools being very unhealthy but the powers to be must have investment in the companies who supply the food so won't allow healthy food or change of Menu. 

I remember watching English sheff go over to USA to try and make schools change the food but most governments wouldn't allow him to come close and the ones which let him into the school to try out different foods refused to change supply of food.  Iven though it meant kids got burgers an chips everyday.

Ah yes, case in point. I'd argue more free enterprise and parental responsibility and less govt would improve this, it's probably not a problem in private schools. I'm reminded of this recent story http://m.huffpost.com/us/entry/1284262 but I suspect the OP won't be dining in a school cafeteria, nor will they accept chip and pin.

  agreed

 

[andvari]

Well, here in Finland where we kinda invented the really mobile mobile phones (i.e. 2110 by Nokia) its commonplace that every 1st grader has to have a smartphone @ the age of 7. Some kids have cell phones even in daycare.

I remember getting my first own cell phone at the age of 16... in 1991 when Radiolinja opened its first GSM network and Motorola came out with their Microtac II GMS-phone. After that I used only Nokia phones until the iPhone 3GS came out.

It is a sad day today since Micro$oft just annouced its buying the Nokia mobile phone and services business in its entirety  [crying]

Yes, Europe's phone industry has not kept up with Apple, Google and the Koreans/Chinese at all. Pretty much an implosion compared to where it used to be. It's been a while since I've seen a Nokia phone being used by someone on the street over here.

Europe is really weak when it comes to large internet companies too. 

I like the idea of chip and pin; I already carry a chipped ID card for my job. But how do you use a chip and pin online? By far my biggest use of credit cards is online.

 

[jmbfestool]

Well, here in Finland where we kinda invented the really mobile mobile phones (i.e. 2110 by Nokia) its commonplace that every 1st grader has to have a smartphone @ the age of 7. Some kids have cell phones even in daycare.

I remember getting my first own cell phone at the age of 16... in 1991 when Radiolinja opened its first GSM network and Motorola came out with their Microtac II GMS-phone. After that I used only Nokia phones until the iPhone 3GS came out.

It is a sad day today since Micro$oft just annouced its buying the Nokia mobile phone and services business in its entirety  [crying]

Yes, Europe's phone industry has not kept up with Apple, Google and the Koreans/Chinese at all. Pretty much an implosion compared to where it used to be. It's been a while since I've seen a Nokia phone being used by someone on the street over here.

Europe is really weak when it comes to large internet companies too. 

I like the idea of chip and pin; I already carry a chipped ID card for my job. But how do you use a chip and pin online? By far my biggest use of credit cards is online.

Have this pinsentry device which is for online banking uses the chip.   

My bank has a secondary secure password so when I use my card I have to enter a password.  This is not for all transactions but if it become a must then it will increase security.

 

[mouppe]

No offence taken Paul!

I lived in the US for seven years. In some areas things were so advanced and in others they were so behind. Banking and cellphones were two of the worst culprits.

 

[RC]

The PIN equivalent for online use is called by Visa and Mastercard Verified by Visa or Mastercard Secure Code respectively and the authentication implementation varies by card issuer.

For example here in Finland our VbV/MCSC backend links into the various banks web-bank one-time pads for secure, unrelated to physical card authentication of the user whereas I've seen some US banks employ ridiculously long sheets of information (like address, mothers maiden name, shoe size, etc.) as an attempt to identify that the online user is the card holder and not someone else.

What JMB describes below is called a CAP Device. These devices  Chip Authentication Program utilise the cryptochip embedded into each EMV card to calculate one-time passwords, digital signatures and checksums.

 

[Sparktrician]

This is changing in the USA.  I recently was able to get a new Visa Debit Card from my Credit Union that has the chip. Very important when I travel overseas, because there are a lot of ATM's that won't accept a card that isn't chipped. Now I have many more options for getting cash in places that previously denied my cards.

USAA, my primary bank has stated that they are going to be converting as well soon, so my assumption is that U.S. banks will be going to the chip system soon.

Cheers.

USAA DOES have chip & pin right now.  I ordered one yesterday and anticipate seeing it in a week or so.