<Li> MasterCard's liability shift took place on 1 July 2009 . </Li> <Ul> <Li> MasterCard's liability shift among countries within this region took place on 1 January 2006 . By 1 October 2010, a liability shift had occurred for all point of sale transactions . </Li> <Li> Visa's liability shift for points of sale took place on 1 January 2006 . For ATMs, the liability shift took place on 1 January 2008 . </Li> </Ul> <Li> MasterCard's liability shift among countries within this region took place on 1 January 2006 . By 1 October 2010, a liability shift had occurred for all point of sale transactions . </Li> <Li> Visa's liability shift for points of sale took place on 1 January 2006 . For ATMs, the liability shift took place on 1 January 2008 . </Li>

When did the credit card chip come out