> My ideal credit card would be on where the physical card has e-paper on it with a 6-digit PIN that changes periodically, like 2-factor auth, and that PIN coul

> My ideal credit card would be on where the physical card has e-paper on it with a 6-digit PIN that changes periodically, like 2-factor auth, and that PIN could be required for purchases to be authenticated. The new smart-chip cards don't help at all with online purchases, only point of sale. The banks and companies like Visa/MasterCard in Turkey use something called 3D Secure [1], in which you are directed to your bank's 3D secure page and enter a code that is sent to you via SMS and your CVC number so they have 2-factor auth. Most of the merchants I used in Turkey supported 3D Secure but I don't know the situation with other countries. Banks in Turkey still support the processing system that is currently used worldwide however some banks have an option where you can cancel all non-3D-Secure online transactions. Also the chip-and-PIN standard was conceived in 1990s AFAIK so the smart-chip cards are not new at all, they are just not adopted in some countries like US. [1]: https://en.wikipedia.org/wiki/3-D_Secure https://en.wikipedia.org/wiki/3-D_Secure