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As magnetic stripe cards are being replaced by chip cards that offer consumers and business greater protection against fraud, a new standard for this technology is being introduced by Europay, MasterCard and Visa (EMV). This volume presents a comprehensive overview of the EMV chip solution and explains how this technology provides a chip migration path, where interoperability plays a central role in the business model. The work offers an understanding of the security problems associated with magnetic stripe cards, and presents the business case for chip migration. Moreover, it explains the implementation of multi-application selection mechanisms in EMV chip cards and terminals, and shows you how to design a multi-application EMV chip card layout.