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Usually, hacked data is difficult to reach or sort through.

Read More: Hilton Hotels Looking Into Possible Data Breach The merchants -- no longer the card issuers -- will be responsible for fraudulent transactions if they don't upgrade their payment terminals.These EMV cards have been around since the 1990s, and much of Europe and the U. First, it's harder for fraudsters to make a fake physical card.Secondly, even if the bad guys get a hold of the transactional code, it's worthless because it works only one time -- it would be like getting their hands on an old password that's no longer valid.Just plug in a name or email address, and you'll find out if someone who signed up for the service.CNNMoney is not linking to these sites directly, but they can be found via regular Web searches -- if you know exactly what to look for.

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