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An Industry Primer on Smart Cards |
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The recent issuance of smart cards in the U.S. by American Express, FleetBoston, First USA, Providian, along with Target’s announcement that the national retailer will offer a Visa smart card has consumers and the payment industry wondering if smart cards will soon become the payment method of the future. These cards, with their imbedded microchip processor promise to add great convenience and security to consumers and will be able to perform several functions besides being a credit or debit card. Other uses and benefits include security access, data and money storage, and loyalty programs. Smart card proponents believe that the card will one day replace all cards in our wallets today and maybe even eliminate the need for a card at all. For example, the chip could be stored in cell phones, computers, personal data assistants (PDAs), or some other platform device.
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| April 17-19, 2012
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