- ExpressPay
Newer
American Express credit card s come with a feature known as ExpressPay. Similar toMastercard 'sPayPass andJPMorgan Chase 's Blink, ExpressPay is a method ofcontactless payment , different from the standardmagnetic stripe that has become ubiquitous on credit and debit cards. ExpressPay is based on a family of technologies known asRFID ,ISO 14443 with extensions specifically.Embedded in the plastic of the card is a small
microcontroller , along with a metal antenna. The microcontroller implements the authentication used by the card, which is a type ofchallenge-response system. The RFID chip is commonly embedded in various types of American Express Blue and Clear cards.ExpressPay was also available in a key fob for holders of American Express cards, but American Express is discontinuing support for key fobs, and all existing fobs will be deactivated by July 31, 2008. [https://www124.americanexpress.com/cards/loyalty.do?page=expresspay.fob.faq] American Express does not appear to have any plans to stop issuing RFID enabled cards, however.
Similar key fob based systems may be available for holders of other major
credit card s ordebit card s.So far, a few retailers have rolled out RFID readers that accept ExpressPay. They include
Meijer ,CVS/Pharmacy ,Best Buy ,Chevron Corporation , and someMcDonald's locations.Office Depot has implemented Express Pay in all 1200 stores. [https://www124.americanexpress.com/cards/loyalty.do?page=expresspay.merchantslist]External links
* [http://www.americanexpress.com/expresspay/ American Express ExpressPay]
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