Which retail payment innovation was first introduced by Diners Club in 1950, fundamentally changing how consumers purchased goods?

Throughout history, retail has undergone dramatic transformations that reflect broader economic and social changes. From ancient marketplaces to modern e-commerce giants, the evolution of retail tells the story of human innovation, changing consumer behaviors, and technological advancement. This trivia question focuses on a pivotal development in retail payment systems that revolutionized shopping in the 20th century.

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The credit card, allowing customers to buy now and pay later
The barcode scanner, enabling faster checkout processing
The automated teller machine (ATM), providing 24-hour cash access
The electronic cash register, replacing mechanical models