On the one hand, France seems ahead of the game: they've had chips in their credit cards for years. Except, of course, that they're not credit cards. They're debit cards. After they insert the card, you have to enter the four-digit code. That's easy enough to do, because the credit, er I mean, debit card transaction takes place at your table in a portable machine, which is much safer because your card never leaves your sight. When will the US adopt this system?