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In 2013, a number of high-profile data breaches involving major retailers such as Target and Neiman Marcus placed an unwanted spotlight on the vulnerability and insecurity of debit and credit card point of sale (POS) systems. The legacy mag-stripe payment card system, on which so many consumers and merchants rely, is long overdue for improvements that would increase security and decrease vulnerability. Such updates may come in the form of new technologies and emerging payment systems that offer more efficient and secure transaction methods.

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