Which retail payment innovation, introduced in 1950, is considered the first universal credit card and fundamentally changed how consumers shopped?

The history of retail payment systems represents a fascinating evolution of commerce throughout human civilization. From ancient bartering to digital wallets, payment methods have transformed how businesses and customers interact. This trivia question focuses on a pivotal moment in retail payment history that revolutionized shopping and created new possibilities for merchants worldwide. Test your knowledge about this significant retail innovation that changed commerce forever!

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Diners Club Card, which initially allowed payments at 27 restaurants
American Express Green Card, which was the first card that allowed international purchases
IBM's Electronic Cash Register system, which first enabled electronic payment processing
Sears Charge Card, which pioneered the department store loyalty payment system