Look for some major changes soon in the way you use credit cards.
The Target credit card breach late last year that affected over 70 million people has pointed out the vulnerability in the credit card system, but that's not the reason for the new changes.
Bob Legters of Fidelity Information System -- the county's largest credit card processor that has headquarters in Jacksonville -- says the wheels were in motion before that theft.
"In the next year or so your wallet is going to change," Legters said. "Right now you have four cards in your wallet, like the average American. What's going to happen is you're going to get an EMV chip card by October 2015."
EMV stands for Europay Mastercard and Visa -- a technology devised by major card providers. Legters says the chip is unique and can't be copied by crooks.
The changes may not be noticeable at first, but Legters says the biggest difference will be at restaurants. Instead of giving your card to the waiter, everything will be processed right in front of you.
"They will come to the table and you'll insert your card into the reader, (it will) clamp down on the card and you'll finish the transaction right there," Legters said. "When you're done it will release the card back to you. It will never leave your sight."
Legters says most credit card fraud involves counterfeit cards where the thieves steal your numbers, create fake cards and then go on shopping sprees. He said that this new chip can’t be duplicated, that can't happen.
Banks and financial intuitions currently carry the risk with credit and debit card fraud, but when the new system begins in October 2015 that risk will shift to merchants -- an incentive for them to pay the cost of the upgrading their point-of-purchase processing equipment.
With 10 million credit card machines in use at American businesses, it's going to be costly to switch. But for those that don't comply, Legters says it could cost more because those stores could end up paying for bogus charges once covered by the banks.