I live in a country where credit and debit card fraud is pretty high and unfortunately banks have not provided secure means to avoid credit and debit card cloning. In USA, I have seen OTP devices to access online banking, but credit cards are pretty much the same. I learned that Mastercard will provide credit cards with OTP included. This is great news because will decrease bank fraud a lot.

More information at http://www.slashgear.com/mastercard-trialling-smart-credit-cards-with-display-keypads-1089351/

-- Manuel Humberto Santander Peláez  |  http://twitter.com/manuelsantander  |  http://manuel.santander.name | msantand at isc dot sans dot org