Who invented the bank card?
Bank cards originated in the United States in 1915. It is said that one day, a businessman in the United States, McNamara, dined at a restaurant in New York. After eating, he found that he forgot to take his wallet with him, so he was deeply embarrassed and had to call his wife to bring cash to the restaurant to check out. Afterward, McNamara had the idea to create a credit card company. In the spring of 1950, McNamara teamed up with a friend to create the Diners Glub, the predecessor of the Diners Club, in New York. Diners Club provides members with a card that can prove their identity and payment ability, and members can use the card to record consumption.
In 1952, the Franklin National Bank in California was the first to issue bank credit cards as a financial institution. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all sectors of society and developed rapidly.
In the late 1970s, when China opened its doors and boldly introduced foreign advanced science and technology and management experience, credit cards also entered China as a popular international credit tool and developed rapidly. In 1979, the Bank of China Guangdong Branch first signed an agreement with the Bank of East Asia in Hong Kong to start the agency credit card business, and credit cards entered China from then on. Soon, branches of Bank of China in Shanghai, Nanjing, Beijing, and other places have successively signed credit card payment agreements with Hong Kong Bank of East Asia, HSBC, Bank of Macquarie, American Express, and other card issuers.
In March 1985, the first “BOC Card” of the Bank of China Zhuhai Branch came out. In 1986, Great Wall Credit Card was named after the head office of the Bank of China. The birth and development of the Great Wall credit card not only filled the gap in my country’s financial history but also heralded a major change in my country’s traditional payment method of “payment with one hand and delivery with one hand”.
Who invented the credit card?
The first credit cards were issued in the 1920s. Several U.S. oil companies came up with the idea of issuing a card that would allow customers to buy gas with the card and pay for it later. It was a simple and solid idea, but it didn’t catch on for a long time. Another early credit card was the Diners Club card, issued in 1950 by Ralph Schneider of New York. The card allows club members to dine at 27 New York restaurants.
At first, these cards were only available in a very limited number of places to spend. But Schneider soon got the idea of extending the card’s availability to retail stores and wholesalers. It wasn’t long before someone devised a “universal” card that worked almost anywhere. In 1958, the first bank card, the Bank of America’s “Bangamelli Card”, was adopted. Credit card symbols are so familiar these days that they are an international language. Banks all over the world display the credit cards they accept.
Another important invention, the computer, made possible the widespread use of credit cards. By the mid-1950s, computers were first used in business, which meant that customer account information could be easily grouped together and stored. Since then, many other inventions have made credit cards more secure and easier to use, such as the idea of adding a magnetic stripe to the card, which can hold information such as a customer’s identity and ID number. Cards like this are now used in a variety of ways like cashing bank loans, securing checks, and of course, using the card to make purchases as originally intended.
Self-service banking is inseparable from credit cards. There is an interesting anecdote about the origin of the invention of the credit card.
One day in 1950, American banker Ralph Shader invited a group of celebrities to dinner at a big hotel in New York, and they ate a mess of dishes. When he was about to pay the bill, he suddenly felt bad. It turned out that he forgot to bring his wallet! That kind of embarrassing first mirror is conceivable.
When he got home, Ralph brooded over the night’s ugliness and couldn’t forget it. Lessons from the past, how to prevent it from happening again in the future? After careful consideration, he recruited a group of wealthy and giant businessmen to discuss plans. Finally, they came up with a surefire way to increase the price without having to bring money when eating and drinking balls…
This is to organize a “dinner club”, which stipulates that all club members can use credit cards to charge for meals at 27 restaurants in New York. The cardholder does not need to pay cash, but only needs to show the credit card and sign the bill for confirmation, and the restaurant will process the payment through the bank.
This move was really popular, and the participants came in droves. As a result, Ralph publicly issued the world’s first credit card, the Bank of America credit card, in 1958, and established the American Bank of America Fleet Credit Card Company.
Who invented the TV card?
The invention of television dates back to the 19th century.
In 1862, Father Caselli of Italian descent created the method of transmitting images over telegraph lines in France. In 1873, British electrical engineer Smith discovered the photoelectric effect phenomenon.
In 1884, the German Bunikov invented the mechanical scanning television and registered the patent. In 1904, the British Beckwell invented the television technology of telexing one photo at a time, but it takes 10 minutes for each photo to be transmitted.
In 1908, Bidwell, an Englishman, wrote to “Nature” magazine. When talking about television, he believed that in order to obtain a good picture, tens of thousands of photoelectric cells should be connected in the transmitter, and each cell would pass through. A separate line is connected to the corresponding point of the receiver. On October 2, 1925, British inventor Baird finally made the world’s first TV with practical value on the basis of previous research.
On January 27 of the following year, Baird was the first to show people the machine that could broadcast movies on the radio, known as television because it displayed images electronically in a negative vacuum tube. The odd-looking, indistinct television, which telegraphed only 30 pictures per second, opened a new chapter in the evolution of television, one of the iconic inventions of the 20th century.
Although a U.S. News & World Report article titled “Father of Television—The Forgotten “Farmer” said that in January 1927, Farnsworth was the first to file a patent application, and on September 7, he transmitted the first electronic television image in history. However, from the invention of television to its application, Baird made the greatest contribution.
In 1931, Baird was invited to the United States to help two New York TV stations establish informal television broadcasts. In 1935, Baird established the first TV station in Berlin with the German company Fonce.
On April 30, 1939, ABC transmitted a television program of President Roosevelt’s opening address at the World’s Fair and a parade led by the mayor of New York City through a transmitter on the roof of the Empire State Building. Thousands of people poured into Manhattan. Department stores line up to watch this fresh scene. In the fall of 1946, a 25-centimeter black-and-white TV priced at $375 was launched, which was successfully trial-manufactured by Russian-American V.
Since then, television has entered the family, which has brought great changes to people’s way of life. Over the past few decades, TV technology has developed rapidly, black and white TV sets are disappearing from big cities, color TV sets, stereo TVs, digital TVs, and high-definition TVs are entering thousands of households. People are already living in a “television era”.
46 of the 1,576 television stations in the United States have officially broadcast digital TV programs in 13 major cities such as Los Angeles since November 1998, and 23 of them have broadcast high-definition TV in 10 cities since November 1. program. Experts believe this marks the beginning of a new “television age” that will have implications beyond the television industry itself.
