> 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. You may be interested in the system I use with my bank in the Netherlands. The old system worked like this: The bank gave me a device they called a "Random Reader". To make a payment, I had to insert my card into the device, enter my pin, enter a (random?) number that the payment site gave me, and enter the amount. It then gave me a number back that I had to give the website, which authenticated me. These days I use a "Rabo Scanner", which works the same except instead of entering a code and the amount it has a camera on there that scans a kind of barcode on the screen that contains that information. So it does use the smart-chip, and the (8-digit) pin changes every time you make a payment. You do have to take the device with you, but it isn't very big.