"Chip & PIN" is not used by many countries around the world. Its a UK term, created by APACS when after the initial PIN-less card issuance, the re-issuance was maid including PIN to counter fraud, requiring UK wide merchant and cardholder education. Chip & PIN is the name of the consortium created for this purpose. The general term for the EMV technology is EMV. The different authentication methods offered, are named CVMs (Offline PIN, Signature, No CVM, etc.), and commonly name so. imho