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Chip-and-PIN payment cards are coming to the United States after a long head start as a standard card-present payment method in Europe and Asia. Already, retailer Target accelerated its plan to move its branded debit and credit cards to chip-and-PIN, also known as EMV (Europay, MasterCard and Visa), in short order following a devastating data breach during the Christmas shopping season. Other retailers are sure to follow, especially with an October 2015 deadline approaching imposed by Visa where it will institute a liability shift where the party causing a fraudulent transaction will be respon