Microchips in payment cards improve security by generating unique transaction codes

Chip technology replaced magstripes to stop easy card cloning and fraud

The magstripe on bank cards always gives the same data, making it simple to copy using a device called a grabber. In contrast, embedded chips create a unique code with every transaction, making it much harder to clone or steal card information.

Why there are microchips in credit cards

Credit cards have evolved significantly since their invention in 1950, but security lagged in the US for years. Despite handling only a quarter of global transactions, the US once accounted for half of all credit card fraud. The 2013 Target data breach helped push the adoption of chip cards, reducing fraud but shifting risks to online scams.

Contactless credit cards descend from a batteryless Cold War listening device

The same physics that let Soviet spies eavesdrop on the US ambassador in 1945 underlie contactless payment methods today. The device is a passive chip powered wirelessly by incoming radio waves.

Algorithms built to detect credit card fraud can deny charges if they perceive the attempted purchase is unfamiliar or unusual based on historical data, even when a person has enough credit to make the purchase.

Since fraudulent charges are rare compared with the much greater number of transactions across purchase histories, these models have been shown to be overly sensitive, lacking sufficient training data on what legitimate fraud looks like. Models also perform less reliably for groups in low-income areas or communities of color, given less available data from which to build an accurate baseline.

Watch a video that visualizes what really happens inside a credit card network when you make a purchase.

Every tap sets off a lightning-fast relay. When someone buys coffee with their Visa, a tiny "runner" races between the coffee shop's bank, Visa's network, and their bank—all in under a second. The catch? No money has actually moved yet. Here's what really happens behind that instant "Approved."

Old credit cards can be made into guitar picks, phone stands and more

Experts recommend always cutting through the chip and the card number when disposing of expired credit cards, as the magnetic strip, the chip, and the card number all contain information that thieves might be interested in.

Visualize how passkeys, which rely on asymmetric cryptography to authenticate users, work

After using biometrics or a PIN to access the private key stored on a device, it is combined with a random number generated by the site to produce a cryptographic signature. This signature is verified using the site's public key, allowing a user to log in without entering a password. This reduces the risk of fraudulent messages—phishing attacks—and data breaches.

Digital passports allow identity verification to be digitized

By scanning the security chip on the back of passports and capturing images or video of a person, apps like Google Wallet and Apple Wallet create a digital version of the document. Some states have also developed their own apps for digital driver's licenses.

Semiconductor chips are electronic devices that store and process information

They can contain billions of microscopic switches on a chip smaller than a fingernail. An article provides a quick overview of how the devices work and how they’ve provided the backbone of the computer age.

Every printed bill has its own unique serial number

In the US, each bill also has its own plate number, series year, Treasury seal, and more. Each design helps track money and combat counterfeiting.

Gas stations top the list of riskiest places to use a debit card

Unlike credit cards, debit cards withdraw funds directly from your checking account, and federal laws provide fewer consumer protections against debit fraud. Gas station "skimmers" and long periods of separation from the card at restaurants are some of the more vulnerable spots for use.

Charge cards are different from credit cards

Unlike credit cards, charge cards often don’t have a preset credit limit, but cardholders need to pay off the entire balance every month.

Microchip fabricators create light by heating tin droplets to over 220,000 Kelvin

Every second, lasers strike 50,000 droplets moving at 250 kilometers (155 miles) per hour, vaporizing the tin in supernova-like miniature explosions that produce ultraviolet light. Knowing this light will spread via diffraction as it passes through a filter during manufacturing, designers reverse-engineer the filter design based on the required final microchip pattern.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Traffic flow can be improved through research into card shuffling

Card-shuffling mathematics has been applied to solving problems in biology to estimate the evolutionary distance between organisms and in computer science to determine the optimal distribution of files and folders in databases.

The Majorana 1 chip may provide quantum computing using geometry-based qubits

Traditional quantum computers are incredibly fragile, with encoded information easily disrupted and requiring significant error correction systems. Microsoft’s approach involves storing data on a surface, which is more stable, but involves an elusive particle first theorized in 1938.

How hash functions encrypt stored passwords and can be enhanced with 'salt'

Hash functions convert text into unique, random sets of characters, a process that is computationally expensive and time-consuming to undo. Because hashed outputs for many common passwords are publicly listed, some sites use a salt—additional characters appended to a password—before hashing to produce an output that is not known. When entering a password, it is salted and hashed, then checked against the database for a matching hash before permitting login.

The benefits and risks of smart grids, from improved efficiency to cybersecurity risks

By using a network of devices, including digital meters, sensors, and controllers, smart grids can quickly detect mechanical issues and fluctuations in supply and demand, automatically adjusting electricity flow to prevent cascading failures. While this is important for variable solar and wind power generation, many of these computer systems are designed to be controlled remotely, which increases the risk of malicious access.

Metal detectors identify induced magnetic fields in conductive objects

A changing magnetic field in a transmitter coil causes an electric current to be produced in materials that conduct electricity. This current generates its own magnetic field, which can be detected by a receiver coil and transmitted to a control box, which identifies the presence and depth of an object.

Today's massive data centers evolved from single-room mainframes

Punch card computers from the late 1940s were used to store and process a company's data locally before the advent of desktop computers. As the amount of data and company sizes increased alongside the miniaturization of technology, mainframes were replaced by local server rooms and external facilities with interconnected servers running cloud-based and AI software.

Laser disc technology stores binary data in etched pits and lands

The pits are dips in the LaserDisc, CD, DVD, or Blu-ray surface that do not reflect the laser from the optical drive back to the photoelectric cell, resulting in a coded zero. Lands are reflective plateaus on the surface that code for a one.

Cryptocurrency acts as a store of value

Traditional money, dating back to its first known uses in ancient Babylonia, has many uses—it reduces friction in transactions by providing a common denominator of value (unit of account), acts as a single item accepted by many vendors (medium of exchange), and holds wealth as a store of value.

The concept for Palantir's key software came from PayPal's anti-fraud protocol

PayPal, which, like Palantir, was cofounded by Peter Thiel, developed the initial framework for Palantir's data-mining service to prevent financial crime. Following the 9/11 terrorist attacks, Thiel realized the software could also enable government agencies to connect data and prevent similar terrorist attacks from occurring in the future.

Most advanced touch screens rely on electrical charge in your skin

Capacitive touch screens store electrical charges in an electrostatic grid of tiny wires. When we touch the screen a tiny electrical charge is transferred from the screen to the finger to complete a circuit (since skin has positive and negative charges). This connection creates a voltage drop on that point of the screen. Cloth, however, doesn't conduct electricity, which is why humans can't wear thick gloves and operate their smartphones.

Malware has transitioned from notoriety-driven to profit- and data-driven

Many of the first researchers and hobbyists who created viruses and worms showed a natural curiosity in experimenting with and designing such software to make a name for themselves and advance the field of computer science. In the future, AI-augmented malware may adapt in real-time or design enhanced cryptojackers, infostealers, and ransomware for cybercriminals.

Symmetric patterns of magnetic stripes seen on either side of mid-ocean ridges

The symmetry provides evidence of seafloor spreading, where new oceanic crust is created at mid-ocean ridges, which pushes older ocean crust away on either side. Matching the pattern to magnetized material in rocks on Earth’s surface provided a timeline of ocean floor recycling.

Radioactive elements can introduce software errors because the ionizing radiation they produce can detach electrons from atoms, and computer code relies on the distribution of electrons.

Memecoins are a type of cryptocurrency—a form of digital currency with a wide variety of uses—created around popular 'memes,' or viral internet jokes.

When you complete a CAPTCHA on a website to prove you are human, you may be unknowingly training algorithms for self-driving cars, whose systems require training data to help identify crosswalks, bicycles, and other outdoor objects.

Tattoos remain visible on your skin thanks to immune cells called macrophages

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

In 2019, a laptop loaded with six of the worst malware in history and described as 'an exhibit of historical weaponry' sold for $1.3M.

Visualize how CRISPR-Cas9—a type of immune system used by single-celled organisms to attack invasive viruses—targets and makes precise changes to a gene's DNA.

When caught in the mouths of cardinal fish, seed shrimp release glowing, bioluminescent chemicals, which alert predators of the cardinal fish, prompting the shrimp's ejection.

As of 2025, the most cited papers in science include a review of graphene, methods to improve image recognition, streamlining electron density calculations, and optimizing protein studies.

Indefinite cloning of some endangered species may not sustain their longevity because cloning success rates decrease as genetic mutations accumulate.

The name 'Silicon Valley' arose from the founding of Shockley Semiconductor Laboratory in Fairchild Semiconductor in 1956-57, founded near Stanford University in Palo Alto

Electrical grids worldwide must double their power delivery capacity by 2050 to meet surging demand from AI and electric vehicles.

Read a deep dive on the 'all-purpose healing' peptide BPC-157.

Sony set the standard for cylinder-shaped batteries when it repurposed manufacturing equipment used to make rolls of magnetic recording tape.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

Fear or disgust related to clusters of holes and cracks, called trypophobia, may stem from evolutionary processes to help us avoid pathogens.

The hormonal disorder PCOS was renamed PMOS in 2026, a move designed to improve care and research by shifting the focus to the hormonal causes of this condition that affects 1 in 8 women.

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

See how fireworks are made and learn how metals like magnesium and copper are responsible for different colors.

Gerrymandering works through two techniques: cracking opposing voters across districts to dilute their power, and packing them into a few to waste their votes in lopsided majorities.

According to the physics of black holes, our 4D reality may be a hologram—a projection of information coded on a 2D surface on the edge of the universe.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

The term 'algorithm' originated from the Latinized name of al-Khwārizmī, a 9th-century mathematician whose works introduced Arabic numerals and the decimal-based numeral system to Europe and whose treatise 'Al-Jabr' gave algebra its name.

Domino's Pizza's 30-minute delivery guarantee was responsible for the chain's 1980s surge, but it was discontinued after the company was found liable for delivery driver accidents.