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The end result is an all-in-one-card that aims to slim our wallets by storing up to eight cards in its memory. Users can switch between them by clicking the card's button. Though the product caught fire among early adopters in the Bay Area last year, it inspired cheeky condemnations and mocking write-offs, with headlines like Hot New Startup No One Needs: A Credit Card for Your Credit Cards from Gawker's Valleywag blog. While there's debate over the usefulness of a device that slims down your wallet, the pressing problem is not Coin's mission, but what's missing from its prototype -- and the product that comes after.

The US credit card industry is preparing for one of its biggest technological leaps in decades, iphone 7 screen protector yes or no New cards arriving in customer's mailboxes are being affixed with security chips, called "EMV." These chips promise to reduce fraud by making it hard to quickly copy a card's information, and by requiring that customers sometimes punch in a passcode, By October 2015, the industry has said it will change its business practices, shifting liability for any fraud to merchants and card makers who don't upgrade to the new technology..

Coin may be one of them. The San Francisco-based company, which transitioned from a cramped office in the city's South of Market district to occupying an entire floor of a nondescript building down the street, won't say it's researching new technology to meet these requirements. It also doesn't have a definitive answer for how merchants will react when the new security technology becomes the rule, not the exception. Kanishk Parashar, the CEO and co-founder of Coin, said the company hasn't begun research and development of a next-generation product yet. "What we'll do is that once we get through this first shipment of Coins, we'll be able to have enough resources to do an R&D project," he said in an interview with CNET.

The time frame? "I don't know exactly," Parashar said, Coin has been in the works for nearly two years, subsisting on Y Combinator and K9 Venture funding, as well as the backing of former Google Wallet head Osama Bedier, Since launching its pre-order campaign, however, Coin, has taken in additional funding from customers, By the end of 2015, some 575 million cards in the US are expected to have chips, according to the Payments Security Task Force, a consortium of the country's largest card issuers, iphone 7 screen protector yes or no At least half of credit card processing terminals will also support the chips by then..

The goal of the EMV standard is to phase out reliance on magnetic stripes, which have been around for decades and are subject to all manners of fraud. The microchip generates a unique code for every transaction, and inside the chip is what MasterCard spokesperson Oliver Manihan calls a black box: a private section in which a cardholder's PIN and the cryptographic keys used to generate code are located. As for Coin, even if it does find a way to include security chips on its device, Manihan said it may not be able to store information from the ones his company sends to customers. "You could only get a portion of the data," he said, adding that some of the information stored on the chips is designed to never be copied.

Manihan isn't ruling out that a device could somehow do what Coin is hoping it can achieve, But he's skeptical, "When you talk about copying the data from an EMV card and putting it on another card..that would be hard to do," he said, Magnetic stripes won't be going away anytime soon -- but that's the ultimate goal, Manihan says, Coin says the switch to EMV technology will be addressed in the future, Its devices are designed to only last about two years before the onboard battery dies, In the meantime, the company says it will develop a device with a security chip in it, though iphone 7 screen protector yes or no Coin admits it doesn't know how that will work, In theory, the next generation Coin will be able to replicate the chip information of our new, safer, credit cards..

"We have good faith that it [Coin] will be able to do so," Parashar said. When Coin began taking pre-orders about a year ago, it said it planned to ship its device to customers this summer. The delay to 2015, Parashar says, was necessary to ensure Coin works as advertised in every corner of the country. Coin at the moment only works at 85 percent of credit card terminals in the US. The company is also working on finding a way to mass produce enough cards to fill demand. The company of about 30 people has been creating prototypes and learning how to manufacture large quantities of the device. In March, it offered to give prototypes to about 1,000 customers in the San Francisco area. The plan is to expand that test to 10,000 nationwide.

Coin's latest round of prototypes will be sent out in September and October, Customers can opt in by downloading a mobile app from the company landing on Apple's iOS app store on August 28 and Android's Google Play store on September 25, Customers originally paid $55 for the device, a price Coin claimed was half of what it will charge when it launches, Today, customers can pay $75, but that price will rise in mid-September, Customers can ask for a refund any time before Coin ships, If customers don't like the product, they cannot iphone 7 screen protector yes or no return it..



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