Which payment innovation from the 1950s revolutionized retail by allowing customers to make purchases without carrying cash, leading to the first true credit card system widely adopted by merchants?

The history of retail payment systems represents a fascinating evolution of commerce throughout human history. From bartering to cryptocurrency, payment methods have dramatically transformed how businesses operate and consumers shop. This trivia question focuses on a pivotal moment in retail payment history that revolutionized the shopping experience and created new possibilities for merchants worldwide.

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Diners Club Card (1950)
American Express Traveler's Cheques (1891)
The Automated Teller Machine (ATM) System (1967)
Western Union Money Transfer Service (1871)