A certain Pin/Chip reader manufacturer ...
who manufactures motorised card reader/writers had a test ROM that allowed for duplication. The cards have no logo's (i.e. blank) and are intended for test and production purposes.
A technician friend works there and I made my own machine and he supplied the ROMs. Cost was around $320 - using my own PCB. The quick copy procedure is called a 'Yes' card. The version that takes longer yet to copy, with multiple read/writes of the 'master' card, which is because it has to test some code in a card being copied.
My wife has a copy of my card, the codes are contained in a small safe in our house. In the event of my death she will be able to continue to transact ATM business.
Banks seemingly don't do sophisticated checks as I was in the UK last year and used an ATM and then, receiving a SMS/text from me, my wife used her card in an ATM physically thousands of miles/kilometres away successfully within minutes of my use. Obviously banks believe in fast travel.
Even more susceptible are the PIN/chip readers in stores - they are designed to be remote programmed. The 'floor' levels are often changed at busy seasons. Leave the power off on a terminal overnight and see what doesn't happen.
We can also clone cell SIM chips, the easiest is a 'virgin' chip that has never been used, which can be obtained quite easily.
So much for security. As long as the banks are satisfied PIN/chip is secure. their smugness will allow us to continue copying cards. I even told a bank manager cards could be copied - he said that his information is that they are totally secure.
These unique "unpredictable numbers" aren't so unpredictable. My SecureCard is so secure I have a list of numbers in a file on my Note 2 which I can use to fool the HSBC computer. Usually it makes a request for one or two entries, just as with the real 'Secure'Key. Go figure.
What is secure is the password to the file!