Which payment technology invention was originally patented in 1974 but didn't see widespread retail adoption until the 1990s due to security concerns and infrastructure limitations?

The world of retail payment systems has evolved dramatically with groundbreaking inventions and discoveries that transformed how we shop. From the humble beginnings of cash registers to today's contactless payments, each innovation has shaped retail history. This trivia question focuses on a pivotal payment technology invention that revolutionized retail transactions. Test your knowledge about the technological breakthroughs that changed the way we pay for goods and services!

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Near Field Communication (NFC) technology
Smart chip credit cards (EMV technology)
Digital wallets
Electronic funds transfer at point of sale (EFTPOS)