An automated teller machine (ATM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff.
A smart card (SC), chip card, or integrated circuit card is a physical electronic authentication device, used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless, and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations.
Electronic cash was, until 2007, the debit card system of the German Banking Industry Committee, the association that represents the top German financial interest groups. Usually paired with a transaction account or current account, cards with an Electronic Cash logo were only handed out by proper credit institutions. An electronic card payment was generally made by the card owner entering their PIN at a so-called EFT-POS-terminal (Electronic-Funds-Transfer-Terminal). The name "EC" originally comes from the unified European checking system Eurocheque. Comparable debit card systems are Maestro and Visa Electron. Banks and credit institutions who issued these cards often paired EC debit cards with Maestro functionality. These combined cards, recognizable by an additional Maestro logo, were referred to as "EC/Maestro cards".
Suica is a prepaid rechargeable contactless smart card, electronic money used as a fare card on train lines in Japan, launched on November 18, 2001. The card can be used interchangeably with JR West's ICOCA in the Kansai region and San'yō region in Okayama, Hiroshima, and Yamaguchi prefectures, and also with JR Central's TOICA, JR Kyushu's SUGOCA, Nishitetsu's Nimoca, and Fukuoka City Subway's Hayakaken area in Fukuoka City and its suburb areas. The card is also increasingly being accepted as a form of electronic money for purchases at stores and kiosks, especially within train stations. As of 2018, JR East reports 69.4 million Suica UID's have been issued, usable at 476,300 point of sale locations, with 6.6 million daily transactions.
EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for "Europay, Mastercard, and Visa", the three companies that created the standard.
The Oyster card is a payment method for public transport in London in England, United Kingdom. A standard Oyster card is a blue credit-card-sized stored-value contactless smart card. It is promoted by Transport for London (TfL) and can be used on travel modes across London including London Buses, London Underground, the Docklands Light Railway (DLR), London Overground, Tramlink, some river boat services, and most National Rail services within the London fare zones. Since its introduction in June 2003, more than 86 million cards have been used.
An interactive kiosk is a computer terminal featuring specialized hardware and software that provides access to information and applications for communication, commerce, entertainment, or education.
Payment cards are part of a payment system issued by financial institutions, such as a bank, to a customer that enables its owner to access the funds in the customer's designated bank accounts, or through a credit account and make payments by electronic transfer with a payment terminal and access automated teller machines (ATMs). Such cards are known by a variety of names including bank cards, ATM cards, client cards, key cards or cash cards.
A contactless smart card is a contactless credential whose dimensions are credit card size. Its embedded integrated circuits can store data and communicate with a terminal via NFC. Commonplace uses include transit tickets, bank cards and passports.
A fuel card or fleet card is used as a payment card most commonly for gasoline, diesel, and other fuels at gas stations. Fleet cards can also be used to pay for vehicle maintenance and expenses at the discretion of the fleet owner or manager. Most fuel cards are charge cards.
The Ascom EasyTicket is a railway ticket issuing system used in Britain, consisting of a series of self-service (passenger-operated) machines at railway stations. Having been introduced in 2003 on a trial basis by several Train Operating Companies (TOCs) at various stations, the system did not spread into common usage, and most machines have since been removed.
Ascom B8050, usually known by the name QuickFare, is an early example of a passenger-operated railway ticket issuing system, consisting of a series of broadly identical machines installed at British railway stations from 1989 onwards. The machines allow passengers to buy the most popular types of ticket themselves, without having to go to a booking office, and are therefore useful at unstaffed, partly staffed or busy stations. All QuickFare machines have been replaced by more modern technology.
The Atos Worldline FASTticket system is a passenger-operated, self-service railway ticket issuing system, developed by the Guildford-based company Shere Ltd and first introduced on a trial basis in Britain in 1996, shortly after privatisation. It has been developed and upgraded consistently since then, and is now used by seven Train Operating Companies (TOCs) as their primary self-service ticket issuing system. Other TOCs have FASTticket machines at some of their stations, sometimes supplementing other systems.
The Scheidt & Bachmann Ticket XPress system is a passenger-operated self-service railway ticket issuing system developed and manufactured by the German systems development and production group Scheidt & Bachmann GmbH, based in the city of Mönchengladbach. Since the first trial installations in 2003, seven train operating companies (TOCs) in Great Britain have adopted the system as their main passenger-operated ticket vending method, while four others have installed machines at certain stations on their networks. More than 1,500 machines are in place across the country, and more than 850 stations have one or more. Machines can accept cash and/or payment cards and can sell most National Rail tickets.
Avantix Mobile ("AVB") is a portable railway ticket issuing system used across the British railway network from 2001 to 2017.
APTIS was the Accountancy and Passenger Ticket Issuing System used on the British Rail/National Rail network until 2007. It was originally called "Advanced Passenger Ticket Issuing System" as it was being developed at the time of the Advanced Passenger Train.
PORTIS and latterly SPORTIS were portable ticket issuing systems used on Rail transport in Great Britain from 1982 until 2006. The system was also formerly used by Northern Ireland Railways for the issue of all tickets, including at railway station booking offices.
A payment terminal, also known as a point of sale (POS) terminal, credit card machine, PIN pad, EFTPOS terminal, is a device which interfaces with payment cards to make electronic funds transfers. The terminal typically consists of a secure keypad for entering PIN, a screen, a means of capturing information from payments cards and a network connection to access the payment network for authorization.
OPUS is a rechargeable, dual interface (contact/contactless) stored-value smart card using the Calypso Standard and is used by major public transit operators in Greater Montreal and Quebec City, Quebec, Canada. It complies with the ISO/IEC 14443 standard for smartcards, and can be read by smartphones with an NFC antenna.
The term digital card can refer to a physical item, such as a memory card on a camera, or, increasingly since 2017, to the digital content hosted as a virtual card or cloud card, as a digital virtual representation of a physical card. They share a common purpose: Identity Management, Credit card, Debit card or driver license. A non-physical digital card, unlike a Magnetic stripe card can emulate (imitate) any kind of card.
