Unfortunately, behind it, we find in 2021 the same service from 1958, when Bank of America launched the BankAmericard in Fresno, California,
The "buy now, and pay later" concept from American Airlines from 1934 is alive.
I want more!
The History
Edward Bellamy - Looking Backward
The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. Bellamy used the term credit card eleven times in this novel, although this referred to a card for spending a citizen's dividend from the government, rather than borrowing, making it more similar to a debit card.
The first bank cards were ATM cards issued by Barclays in London, in 1967, and by Chemical Bank in Long Island, New York, in 1969. In 1972, Lloyds Bank issued the first bank card to feature a personal identification number (PIN) for security along with the information-encoding magnetic strip.
The first mass use of the cards was as a telephone card for payment in French payphones, starting in 1983.
After the Télécarte, microchips were integrated into all French Carte Bleue debit cards in 1992. Customers inserted the card into the merchant's point-of-sale (POS) terminal, then typed the personal identification number (PIN),
Contactless smart cards were first used for electronic ticketing in 1995 in Seoul, South Korea.
Today, in addition, we have complex smart cards, including peripherals such as a keypad, a display, or a fingerprint sensor that are increasingly used for credit cards.
I want more!
How simple would it be for a bank, to issue a special annex eID card, one with the picture?
My membership key to the Planet.
A worldwide valid card.
A card that would allow me to make a digital join in the CRM of any retailer at the POS with the data I have in my "join the club" template.
To be able to use it as a business card and transfer my contacts via NFC to anyone.
To have access to parking lots and even pay for them with parking authorization.
To allow me to enter commercial and residential buildings as well.
Make REAL real-time payments.
Discounts on the product, not on the store. Extend traceability to the brand without invading my privacy, without using my data, except for the number of items I (as a code) bought. Instead of stupid shop lotteries that no one follows, challenge me to eat 365 yogurts this year and win a place in a more transparent lottery to win a car. Keep a trace and inform me of the status. There is a more added value to anyone in this. And it's catchy.
Simple and clear, automatic, cashback systems.
I would like to use it as my home key and to be able to transmit 15-minute access codes to my home to anyone I want.
I would like to start my car with it and benefit from my steering wheel, seat, and mirrors personal customization.
Use it at ApartHotels to open the door and pay at departure.
Use it as an eID in a vast network of partners, instead of giving away social security number that is listed on regular IDs.
To sync your medical subscription with your eID card and pay based on your discounts at your medical services provider.
To have core information with me, scannable on spot regarding blood type, food, and medicine allergies in case of emergencies. To report active medical treatments and illnesses like epilepsy and diabetes.
Pay small amounts instantly on buses or any other transportation mean.
When I check in hotels I want to transmit dietary limitations, food allergies, and smoking or non-smoking preferences.
Point frenzy too? Scan and register any campaign and benefit from instant inclusion.
Enter hassle-free at movies, museums, and clubs like a member you just become, with the data you agreed upon in your "join clubs" templates.
And I have an ultimate suggestion:
I WANT UNIVERSAL MEMBERSHIP FOR LIFE TO ANYTHING!
And, of course, when I say card, I don’t mean physical card, I mean a combination of a biometrical ID that can be just me, in time, can be the veins network in my palm or any other bio, combined with a solution on the phone, in the cloud, wherever. It can be a small chip under my skin.
Just do it!
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