Which historic payment innovation from the 1950s revolutionized retail by allowing customers to make purchases without carrying cash?

The evolution of payment systems has dramatically transformed retail throughout history. From simple bartering to sophisticated digital transactions, payment technologies have shaped how businesses operate and consumers shop. This trivia question explores a pivotal moment in retail payment history that changed commerce forever and set the stage for today's digital economy.

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Diners Club Card - the first universal credit card that could be used at multiple establishments
Western Union's 'Charge-It' system - an early telegraphic payment authorization service
IBM's Retail Transaction Terminal - the first electronic point-of-sale system
Federal Reserve Travelers Checks - government-backed portable payment certificates