一些大银行，比如富国银行，现在正提供一种服务，能将你的磁条卡转换成芯片和个人识别码的模式。

Some big banks, like Wells Fargo, are now offering to convert your magstripe card to a chip-and-PIN model.

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这就是为什么要由消费者来决定芯片和个人识别码的变化。

That's why it may be up to consumers to move the needle on chip and PIN.

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鉴于RFID(射频识别)芯片已经兴起，微软等也在开发新技术，设想成真的这一天应该不会太远。

With the rise of RFID chips and technology such as that being developed by Microsoft, this type of scenario isn't too far away.

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