Remember the Target and Neiman Marcus credit card hacks that happened in 2013? The National Retail Federation does, and it decided to do something about it. Retailers have put their might behind pushes for new chip-and-pin, or EMV, credit cards, which contain a chip that creates a one-time code for a purchase to be approved. The makes it much harder to use counterfeit cards at a store—but it doesn’t help much in terms of deterring online identity theft. Here’s what you need to know.