Over the past several years the credit card industry has been encouraging banks and retailers to migrate to EMV technology, which is sometimes referred to as “chip-and-pin” or “chip-and-signature.”  EMV, which is named after the developers of the technology (Europay, MasterCard, Visa) is a technical standard that includes a microprocessor physically embedded in a plastic credit card.  The processor stores credit card data and, which, when inserted, is decrypted and read . . . EMV At A Glance