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Eintrag vom 26.08.2026 02:06Antwort
The story of the modern payment card truly began in 1958, with a bold experiment known as the "Fresno Drop," where Bank of America mailed 60,000 pre-approved credit cards to residents of Fresno, California . However, the first major technological leap came with the invention of the magnetic stripe, a thin band of magnetic material on the back of the card. It is a credit to the ingenuity of IBM engineers in the 1960s that this technology was adapted for financial use .
Initially, the mag stripe was developed for the Central Intelligence Agency for staff authentication, but its potential for the financial industry was quickly recognized . Before its widespread adoption, merchants had to rely on cumbersome methods like carbon-copy imprinters—affectionately known as "zip-zap" machines or, less kindly, "knuckle-busters"—to record card information, and they would reference monthly lists of bad accounts to verify a customer's creditworthiness . The magnetic stripe was a revolution. For the first time, it enabled the creation of electronic payment terminals that could authorize transactions in real-time, a development that laid the very foundation for the fast, efficient payment system we rely on today .
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