Europe Cards

In the banking cards it still has functions of segurana' ' ,2 HISTORY OF the SMART CARDSegundo Worcman (1998) the credit cards had appeared in 1914 through the American company of telegraph Western Union, that gave to credit cards its employees. Such cards were of metal. From the decade of 20, the example of the telegraph company, private companies, as oil nets of hotels and companies, had started to emit cards to allow that its customers bought on instalments in the proper establishments. Worcman (1998) also says, that from the decade of 50 the Diners Club appears, a card confectioned initially in paper card, that brought the name of the associate of a side and the establishments filiados in another one. It had as main purpose, that, in a practical way the associates could pay to its expenditures of trips the work and leisure, directly to the establishments of which they were fidiciary offices. The first idea was to create a card of credit ' ' universal' ' , that is, that it could be used in some different establishments. The fashion caught and from 1955, the Diners Club started to use the plastic in the confection of its cards that if had spread for the world. This digital idea to tickets or valleys can be associated, that are ' ' trocados' ' for monetary values, in order to facilitate the negotiation, since the users would not need to transit with in cash. The sprouting of chip for the use as banking card, retraces the 1974, when French journalist Roland created Brown it in order to make possible its use to storage money and thus to effect payments. Worcman (1998) and that for 1997 return when has some years already he was used in the Europe and United States, smart cards arrives at Brazil and passes to be used as ' ' currency of troca' ' for payments in the Brazilian public transport, already exerting the functions of credit and debit, from now on the financial institutions, the Reals creditors, had expanded its use for other services, with investment in technology for the improvement of the cards in virtue of the innumerable advantages they associados.3 the TECHNOLOGICAL INNOVATION OF CHIP INTELIGENTEA technology of smart card are divided in two types, namely: with contact and without contact.

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