As in Europe, where no transaction can happen without a PIN code and a smart (chip) card.

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Of course, all information on smart cards would be in code.

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Good Guide , for example, allows smart phones to scan your bar code and immediately rank your product and potentially suggest a more sustainable alternative on the next shelf.

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Especially when it comes to security breaches done through fake quick response codes, or QR codes (crossword puzzle looking bar code scan-able by some smart phones), the iPhone is a lot safer, he says.

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In some states, you can save 50 percent or more simply by shopping around, says Des Toups, managing editor of CarInsurance.com, which reviewed rates in every ZIP code in America to find where smart consumers can save the most over their neighbors.

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The three-year-old Section 1045 of the tax code is just being discovered by the smart money.

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"They might jam a smart device to make systems not available in the airport, or play with the bar code of flight tickets, so that you can have access to a space you shouldn't have access to, " he says, while admitting that these scenarios are extreme.

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To the rescue come a handful of smart young companies such as Fortify Software, Agitar and Coverity that promise to clean up and strengthen code before it goes out the door.

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