The Evolution of Modern Credit Card Technology

Project Information

Hello everyone and welcome to my website. My name is Kohlton White, and I built this website for two reasons. First, to display my mediocre front-end development skills, and second because it is required. And if there was a third reason, not saying that there is… but if there was one, it would be because I enjoy creating website.

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Card payment technology has had a huge impact on our society. We use it daily, and it has made many mindless interactions, like paying for food and clothing, more convenient. As card payment technology evolves, so too does the methods for how we use it. There are many different methods available today, but the most common are EMV, magstripe, NFC, and RFID. Do you know the difference?


Also known as magnetic stripe cards, these cards use modified iron-based magnetic particles to store and communicate data between the stripe on the back of the card and the card terminal.


EMV stands for Europay, MasterCard, and Visa and is the global security standard for authenticating computer chip-based cards, like debit and credit cards. It defines the hardware that the cards and readers need to have and the software and communication protocols between the two of them.


Also known as Near-Field Communication, allows two devices to communication when they come in contact with each other. Payment applications like Apple Pay and Samsung Pay, uses that NFC technology on smartphones and smartwatches to communicate with point-of-sale terminals.


Also known as Radio Frequency Identification, these cards contain a computer chip and an antenna inside them, which emits radio waves (signal). These signals are used to communicate with RFID terminal or readers.