Which retail payment innovation was first introduced in 1950 by Diners Club, forever changing how consumers shopped and creating what would become a trillion-dollar industry?

Throughout history, retail payment systems have evolved dramatically, transforming commerce and consumer behavior. From ancient bartering to digital currencies, each innovation has shaped how societies conduct business. This trivia question focuses on a pivotal moment in retail payment history that revolutionized shopping experiences and set the foundation for today's diverse payment ecosystem.

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The universal product barcode system
The modern credit card (the first universal charge card)
Electronic cash registers with receipt printing capability
The automated check processing system (MICR)