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That is how they used to work though. I’m old enough to remember imprinters, which literally used the embossed numbers to create a carbon copy: https://en.wikipedia.org/wiki/Credit_card_imprinter


I had a food delivery guy use one in the US 2012/2013. It was like seeing a native tribe perform their traditional dance. It still blows my mind that chip + "signature" is a thing in the US. What good is a random indiscernible scribble on a tiny resistive touch screen as far as proving anything?


It's quite illegal to fake signatures so it acts as a deterrent. I can't think of anything else...


I could be wrong but I'm pretty sure it is also illegal to steal someone's credit card and use it. If you have already done that, I don't think the idea of scribbling illegally is going to warn anyone off. Chip+PIN is objectively far more secure. People used debit cards with swipe+PIN for decades just fine and chip+PIN is used in many other countries without an issue. It is just silly to keep using signature and acting like it does absolutely anything at all.




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