100 Articles on Payment Cards Curated Publication and Patent List

Payment cards are an invention within the last 50 years that have quickly spread across the world to make it part of the daily habit of many people. With many advantages to cash and checks, credit cards, debit cards, and prepaid cards have become commonplace. However, the struggle to get to that point wasn't without a lot of effort, innovation, and failures.

It's important to consider the lessons from the history and techniques of payment cards for new cryptocurrencies. Primarily because there are similar challenges with two sided markets (buyers/consumers and sellers/businesses), but also because the macroscale techniques are so vastly different. One is centralized and federated, another decentralized and formed through byzantine consensus.

In preparing this list of most cited publications (and patents) with "payment card" in the name, you will notice how many of these are patents. It is remarkable how far Bitcoin and other cryptocurrencies have come along in the open source movement. Like Linux, expect continual innovation over years and eventually widespread adoption of some form of the technology.

1. "Cooperation among competitors: Some economics of payment card associations". JC Rochet, J Tirole. 2002. JSTOR Rand Journal of economics. 773 cites.
2. "Internet payment system using smart card". VM Davis, SC Cutino, MJ Berg, FS Conklin…. 2001. Google Patents US Patent …. 658 cites.
3. "OLS versus ML estimation of non-market resource values with payment card interval data". TA Cameron, DD Huppert. 1989. Elsevier Journal of environmental economics and …. 517 cites.
4. "Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions". RL Anderson, WR Bryant Jr, JY Wong. 2003. Google Patents US Patent 6,609,654. 366 cites.
5. "Methods and systems for making a payment via a stored value card in a mobile environment". BL Rackley III, WD Porter, GM Rickman…. 2018. Google Patents US Patent …. 337 cites.
6. "Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor". K Suzuki. 2003. Google Patents US Patent 6,612,488. 336 cites.
7. "Automated payment card fraud detection and location". KD Brown, DK Pariseau, D Chatelain. 2009. Google Patents US Patent 7,543,739. 329 cites.
8. "Payment card with internally generated virtual account numbers for its magnetic stripe encoder and user display". KD Brown. 2009. Google Patents US Patent 7,472,829. 319 cites.
9. "Three-legacy mode payment card with parametric authentication and data input elements". K Brown. 2004. Google Patents US Patent App. 10/800,821. 299 cites.
10. "AN EMPIRICAL ANALYSIS OF PAYMENT CARD USAGE*". M Rysman. 2007. Wiley Online Library The Journal of Industrial Economics. 291 cites.
11. "Wireless smart card and integrated personal area network, near field communication and contactless payment system". M Loh, A Tam. 2009. Google Patents US Patent App. 12/234,499. 279 cites.
12. "System and methods for card payment instrument with rebate applied to an insurance premium". K Sullivan. 2002. Google Patents US Patent 6,386,444. 276 cites.
13. "Optimal card payment systems". J Wright. 2003. Elsevier european economic Review. 265 cites.
14. "Method for storing data in payment card transaction". JY Wong, RL Anderson. 2004. Google Patents US Patent 6,755,341. 260 cites.
15. "System of payment or information transfer by money card with electronic memory". JY Le Roux. 1993. Google Patents US Patent 5,191,193. 249 cites.
16. "Method for customizing payment card transactions at the time of the transactions". R Anderson, W Bryant, J Wong. 2005. Google Patents US Patent App. 10/968,401. 247 cites.
17. "Method and system for conducting transactions using a payment card with two technologies". J Wankmueller. 2005. Google Patents US Patent 6,857,566. 243 cites.
18. "Pin-secured dynamic magnetic stripe payment card". KD Brown, D Chatelain. 2007. Google Patents US Patent App. 11/676,285. 236 cites.
19. "A test for payment card biases". RD Rowe, WD Schulze, WS Breffle. 1996. Elsevier Journal of environmental Economics …. 229 cites.
20. "Multiple account advanced payment card and method of routing card transactions". JL Hirka, DC Fellner, S Fox, L Knackstedt. 2010. Google Patents US Patent 7,860,789. 229 cites.
21. "Payment card financial transaction authenticator". KD Brown, D Chatelain. 2008. Google Patents US Patent App. 11/875,860. 224 cites.
22. "Payment card with display". R Skodlar. 1994. Google Patents US Patent 5,359,183. 218 cites.
23. "Payment card preloaded with unique numbers". KD Brown. 2008. Google Patents US Patent 7,380,710. 206 cites.
24. "Usage promotion method for payment card transaction system". W Spencer. 1990. Google Patents US Patent 4,906,826. 198 cites.
25. "Three-legacy mode payment card with parametric authentication and data input elements". KD Brown, D Chatelain. 2009. Google Patents US Patent App. 12/489,662. 186 cites.
26. "System and methods of validating an authorized user of a payment card and authorization of a payment card transaction". R O'connell. 2002. Google Patents US Patent App. 09/907,265. 182 cites.
27. "Valuing health care using willingness to pay: a comparison of the payment card and dichotomous choice methods". M Ryan, DA Scott, C Donaldson. 2004. Elsevier Journal of Health Economics. 180 cites.
28. "Method and system for conducting transactions using a payment card with two technologies". J Wankmueller. 2007. Google Patents US Patent 7,287,695. 178 cites.
29. "Payment card financial validation processing center". KD Brown. 2009. Google Patents US Patent 7,631,804. 177 cites.
30. "Payment card rewards programs and consumer payment choice". AT Ching, F Hayashi. 2010. Elsevier Journal of Banking & Finance. 169 cites.
31. "Validation service for payment cards with preloaded dynamic card verification values". JA Hatch, DR Muktevi. 2009. Google Patents US Patent App. 11/953,066. 164 cites.
32. "Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor". K Suzuki. 2006. Google Patents US Patent 7,104,444. 162 cites.
33. "System and methods for card payment instrument with rebate applied to an insurance premium". K Sullivan. 2004. Google Patents US Patent 6,745,938. 155 cites.
34. "Payment card point-of-sale service quality monitoring system, apparatus, and method". CA Adams. 1993. Google Patents US Patent 5,255,182. 145 cites.
35. "Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor". K Suzuki. 2005. Google Patents US Patent 6,913,194. 138 cites.
36. "Payment card terminal for mobile phones". BM Abifaker. 2014. Google Patents US Patent 8,909,553. 137 cites.
37. "Display payment card with fraud and location detection". KD Brown. 2012. Google Patents US Patent 8,104,679. 135 cites.
38. "Payment card with dynamic account number". M Hathaway, DE Wolf, S Spear. 2013. Google Patents US Patent 8,494,959. 132 cites.
39. "Prepaid card payment system and method for electronic commerce". E Noriega, J Almenara. 2004. Google Patents US Patent 6,805,289. 132 cites.
40. "An economic analysis of the determination of interchange fees in payment card systems". JC Rochet, J Tirole. 2003. rnejournal.com Review of Network Economics. 123 cites.
41. "Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands". W Bolt, N Jonker, C Van Renselaar. 2010. Elsevier Journal of Banking & Finance. 122 cites.
42. "Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer". J McKelvey, X Wen, J Dorsey. 2013. Google Patents US Patent 8,573,486. 120 cites.
43. "Comparing welfare estimates from payment card contingent valuation and discrete choice experiments". M Ryan, V Watson. 2009. Wiley Online Library Health economics. 114 cites.
44. "Multi-application smart card device software solution integrating sales tax, payment and discount rewards". C Bortolin, A Hammad, C Nelson…. 2004. Google Patents US Patent App. 10 …. 109 cites.
45. "An assessment of household willingness to pay for curbside recycling: A comparison of payment card and referendum approaches". TW Blaine, FR Lichtkoppler, KR Jones…. 2005. Elsevier Journal of environmental …. 107 cites.
46. "Multiple options to decline authorization of payment card charges". JL Brandt, JT Miller. 2010. Google Patents US Patent 7,708,190. 107 cites.
47. "Arrangement for a pay telephone payment system utilizing a payment card within the telecommunication system". K Katzeff, T Petre. 1986. Google Patents US Patent 4,577,061. 106 cites.
48. "Payment card processing system and methods". P Jones, J Mitchell, M Brumfitt, D Falkingbridge…. 2010. Google Patents US Patent …. 103 cites.
49. "Payment application lifecycle management in a contactless smart card". R Von Behren, J Wall, A Muehlberg, H Meyn. 2012. Google Patents US Patent 8,196,131. 103 cites.
50. "An introduction to the economics of payment card networks". RM Hunt. 2003. degruyter.com Review of Network Economics. 101 cites.
51. "… of transaction fraud through the use of automatic centralized signature/sign verification combined with credit and fraud scoring during real-time payment card …". MJ Rowen, R Beatson, MA Kelty. 2014. Google Patents US Patent 8,885,894. 100 cites.
52. "Method and system for conducting transactions using a payment card with account information encoded in bar code". J Wankmueller. 2003. Google Patents US Patent App. 10/336,336. 95 cites.
53. "Cash, check or bank card? The effects of transaction characteristics on the use of payment instruments". D Bounie, A François. 2006. papers.ssrn.com . 95 cites.
54. "Location controls on payment card transactions". P Fourez. 2011. Google Patents US Patent App. 12/544,009. 93 cites.
55. "Contact/contactless and magnetic-stripe data collaboration in a payment card". K Brown. 2006. Google Patents US Patent App. 11/502,772. 88 cites.
56. "Economic aspects of payment card systems and antitrust policy toward joint ventures". DS Evans, R Schmalensee. 1994. HeinOnline Antitrust LJ. 86 cites.
57. "Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality". JD Mullen, D Lambeth, B Cloutier. 2011. Google Patents US Patent 8,011,577. 85 cites.
58. "Internet payment system using credit card imaging". D Abulafia, E Cohen. 2016. Google Patents US Patent 9,305,230. 82 cites.
59. "Insurance claim payment card system". LP Bush. 2012. Google Patents US Patent 8,204,766. 81 cites.
60. "Method and system for securing card payment transactions using a mobile communication device". AR Hagale, R Rozich. 2009. Google Patents US Patent 7,533,047. 80 cites.
61. "Bank issued contactless payment card used in transit fare collection". A Hammad, P Dixon, B Triplett. 2009. Google Patents US Patent 7,527,208. 80 cites.
62. "Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices". P Kumar, M Khan. 2010. Google Patents US Patent App. 12/574,696. 77 cites.
63. "Method and system for enabling item-level approval of payment card". P Brown, J Guthrie, E McLaughlin, S Ross…. 2009. Google Patents US Patent …. 75 cites.
64. "Secure payment card transactions". DOII John, JD Oder, KJ Cronic, SM Sommers…. 2011. Google Patents US Patent …. 73 cites.
65. "Dual mode credit card based payment technique". RA McCoy, PJ Kight, DE Torgerson…. 2005. Google Patents US Patent …. 73 cites.
66. "Measuring individuals' valuation distributions using a stochastic payment card approach". H Wang, D Whittington. 2005. Elsevier Ecological Economics. 72 cites.
67. "It's not just what you do, it's the way that you do it: the effect of different payment card formats and survey administration on willingness to pay for health gain". RD Smith. 2006. Wiley Online Library Health economics. 72 cites.
68. "Interchange fees in payment card systems: A survey of the literature". M Verdier. 2011. Wiley Online Library Journal of Economic Surveys. 71 cites.
69. "Security in use of bankcards that protects bankcard data from merchant systems in a payment card system". TC Singhal. 2008. Google Patents US Patent App. 12/012,345. 71 cites.
70. "Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor". K Suzuki. 2006. Google Patents US Patent App. 11/502,685. 71 cites.
71. "System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase …". WK Cheung. 2000. Google Patents US Patent 6,062,472. 70 cites.
72. "System and method for child card payment". P Peyret, M Teicher. 2009. Google Patents US Patent 7,631,803. 69 cites.
73. "The no surcharge rule and card user rebates: Vertical control by a payment network". M Schwartz, DR Vincent. 2006. degruyter.com Review of Network Economics. 68 cites.
74. "Secure payment card transactions". DOII John, JD Oder, KJ Cronic, SM Sommers…. 2010. Google Patents US Patent …. 67 cites.
75. "System and method for an integrated payment and reward card". JW Zajkowski, CG Tabat, BM Sonnenberg…. 2009. Google Patents US Patent …. 66 cites.
76. "Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet". R Hodgson, H Hargens. 2002. Google Patents US Patent App. 09/773,609. 64 cites.
77. "Mobile phone containing contactless payment card used in transit fare collection". A Hammad, P Dixon, B Triplett. 2014. Google Patents US Patent 8,733,663. 63 cites.
78. "Why do payment card networks charge proportional fees?". O Shy, Z Wang. 2011. aeaweb.org American Economic Review. 62 cites.
79. "Payment card authentication system and method". MS Friedman. 2007. Google Patents US Patent App. 11/522,032. 62 cites.
80. "Wearable personal digital device with changeable bendable battery and expandable display used as standalone electronic payment card". TTG Zhou, DTX Zhou, AHB Zhou. 2014. Google Patents US Patent 8,851,372. 62 cites.
81. "Unified payment card". R Raghunathan. 2010. Google Patents US Patent App. 12/549,605. 61 cites.
82. "Secure payment card transactions". DOII John, JD Oder, KJ Cronic, SM Sommers…. 2010. Google Patents US Patent …. 61 cites.
83. "Externalities and regulation in card payment systems". JC Rochet, J Tirole. 2006. degruyter.com Review of Network Economics. 59 cites.
84. "Method and system for making small payments using a payment card". J Wankmueller. 2006. Google Patents US Patent 7,146,344. 58 cites.
85. "System and method for payment card industry enterprise account number elimination". J Brabson, M Ritscher. 2014. Google Patents US Patent 8,651,374. 58 cites.
86. "Why payment card fees are biased against retailers". J Wright. 2012. Wiley Online Library The RAND Journal of Economics. 58 cites.
87. "Charging ahead: The growth and regulation of payment card markets". JP Watkins. 2007. Taylor & Francis Journal of Economic Issues. 56 cites.
88. "Multiple account advanced payment card and method of routing card transactions". JL Hirka, DC Fellner, S Fox, L Knackstedt. 2011. Google Patents US Patent 7,890,422. 56 cites.
89. "Method and system for handling rebate-entitled credit card payment transactions". H Ruhmkorf. 2006. Google Patents US Patent App. 11/312,471. 56 cites.
90. "Wireless mobile communicator for contactless payment on account read from removable card". S Diamond. 2012. Google Patents US Patent 8,127,999. 55 cites.
91. "Payment card processing system with structure preserving encryption". MF Bower, MJ Pauker, T Spies. 2012. Google Patents US Patent App. 13/155,156. 54 cites.
92. "Card payment system for service dispensing devices". JB Hooper, JC Hooper. 1993. Google Patents US Patent 5,225,977. 54 cites.
93. "System and method for administrating a credit card use incentive program by which a credit card holder earns rebate in the form of an additional payment toward an …". WS Wilcox, EI Eger. 2006. Google Patents US Patent 7,072,851. 53 cites.
94. "The Changing Nature of US Card Payment Fraud: Issues for Industry and Public Policy.". R Sullivan. 2010. pdfs.semanticscholar.org WEIS. 52 cites.
95. "Back end of payment system associated with financial transactions using card readers coupled to mobile devices". J Dorsey, NP Mccauley, JP Cummins…. 2012. Google Patents US Patent App. 13 …. 50 cites.
96. "Methods and systems for making a payment via a stored value card in a mobile environment". BL Rackley III, WD Porter, GM Rickman…. 2013. Google Patents US Patent App. 13 …. 49 cites.
97. "The competitive effects of the collective setting of interchange fees by payment card systems". HH Chang, DS Evans. 2000. journals.sagepub.com The Antitrust Bulletin. 48 cites.
98. "A puzzle of card payment pricing: Why are merchants still accepting card payments?". F Hayashi. 2006. degruyter.com Review of network economics. 48 cites.
99. "Implementing electronic card payment systems". C Radu. 2003. books.google.com . 48 cites.
100. "Payment Card Regulation and the (Mis) Application of the Economics of Two-Sided Markets". TJ Muris. 2005. HeinOnline Colum. Bus. L. Rev.. 47 cites.

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