(USATODAY) — Techies are calling the upcoming shift in how we will use our credit cards at the store something like "dip the chip."
It's not a bad way of explaining things. Instead of swiping our plastic, we'll be able to slide or dip our chip-equipped credit cards at chip-enabled terminals at the register. You might see the new way of doing things as soon as the next time you shop at Target or another big retailer.
A unique one-time code is generated every time a card with a chip is used, and a one-time code is hard for crooks to duplicate to make fake credit cards, according to card experts.
Advertisement - story continues below
Chips aren't entirely new. They've long been used in Canada and all across Europe. But the U.S. has been stuck in the swipe-and-sign mode for years. Beginning in October, though, some rules will change for merchants that will drive a shift into chip technology.