{"id":10604,"date":"2023-06-13T08:45:57","date_gmt":"2023-06-13T06:45:57","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=10604"},"modified":"2023-06-13T08:45:59","modified_gmt":"2023-06-13T06:45:59","slug":"zajimavosti-z-historie-platebnich-karet-ktere-vas-zarucene-prekvapi","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/zajimavosti-z-historie-platebnich-karet-ktere-vas-zarucene-prekvapi\/","title":{"rendered":"Zaj\u00edmavosti z historie platebn\u00edch karet, kter\u00e9 v\u00e1s zaru\u010den\u011b p\u0159ekvap\u00ed!"},"content":{"rendered":"\n

Platebn\u00ed karty se mohou zd\u00e1t jako vyn\u00e1lez posledn\u00edch let. Pravdou ale je, \u017ee prvn\u00ed pokusy o bezhotovostn\u00ed placen\u00ed se datuj\u00ed ji\u017e v\u00edce ne\u017e 100 let zp\u00e1tky. <\/p>\n\n\n\n

\u017de je hotovost zna\u010dn\u011b omezuj\u00edc\u00ed si uv\u011bdomovali u\u017e na\u0161i p\u0159edci. Jak vypadaly prvn\u00ed snahy o placen\u00ed bez hotovosti? A kdy vznikla prvn\u00ed platebn\u00ed karta? P\u0159in\u00e1\u0161\u00edme v\u00e1m zaj\u00edmavosti z historie platebn\u00edch karet, kter\u00e9 v\u00e1s jist\u011b p\u0159ekvap\u00ed! <\/p>\n\n\n\n\n\n\n\n

Na za\u010d\u00e1tku byla v\u011brnostn\u00ed karta<\/h2>\n\n\n\n

Prababi\u010dkou platebn\u00edch karet byla prakticky takov\u00e1 v\u011brnostn\u00ed karta. Vydala ji americk\u00e1 telekomunika\u010dn\u00ed spole\u010dnost Western Union Telegraph Company u\u017e v roce 1914.<\/p>\n\n\n\n

Spole\u010dnost uva\u017eovala, jak si udr\u017eet v\u011brn\u00e9 z\u00e1kazn\u00edky a jak je motivovat k vyu\u017e\u00edv\u00e1n\u00ed komunika\u010dn\u00edch slu\u017eeb. A tak p\u0159i\u0161la s n\u00e1padem vyd\u00e1n\u00ed vlastn\u00ed karty. <\/p>\n\n\n\n

Dr\u017eitel t\u00e9to karty vyu\u017e\u00edval slu\u017eby telegrafick\u00e9 spole\u010dnosti, p\u0159i\u010dem\u017e na placen\u00ed do\u0161lo a\u017e na konci m\u011bs\u00edce. Tehdy obdr\u017eel z\u00e1kazn\u00edk vy\u00fa\u010dtov\u00e1n\u00ed v\u00e1zan\u00e9 na \u00fatratu sv\u00e9 karty. <\/p>\n\n\n\n

Dalo by se \u0159\u00edct, \u017ee se jednalo o prvn\u00ed \u00fav\u011brovou kartu v\u016fbec. <\/p>\n\n\n\n

Po Western Union Telegraph Company za\u010dalo karty vyd\u00e1vat i v\u00edce spole\u010dnost\u00ed, a t\u00edm se roz\u0161\u00ed\u0159ily po cel\u00fdch Spojen\u00fdch st\u00e1tech. <\/p>\n\n\n\n

V roce 1928 nab\u00fdvaj\u00ed karty sv\u00e9 ikonick\u00e9 podoby – n\u011bkter\u00e9 spole\u010dnosti je za\u010d\u00ednaj\u00ed vyd\u00e1vat v plechov\u00e9 form\u011b s vyra\u017een\u00fdmi daty. Ji\u017e tehdy mohl dokonce obchodn\u00edk \u00fadaje na kart\u011b p\u0159i placen\u00ed otisknout pomoc\u00ed imprinteru (=mechanick\u00e9 za\u0159\u00edzen\u00ed, kter\u00e9 sn\u00edm\u00e1 z embosovan\u00e9 platebn\u00ed karty vytla\u010den\u00e9 \u00fadaje).<\/p>\n\n\n\n

\"\"<\/a>
Foto: eBay<\/figcaption><\/figure>\n\n\n\n

Platebn\u00ed karta, jak ji zn\u00e1me dnes<\/h2>\n\n\n\n

Prvn\u00ed bankovn\u00ed karta jako takov\u00e1 spat\u0159ila sv\u011btlo sv\u011bta v roce 1951 a op\u011bt se zrodila ve Spojen\u00fdch st\u00e1tech. Vydala ji newyorsk\u00e1 banka „The Franklin National Bank“. <\/p>\n\n\n\n

Kartu banka vyd\u00e1vala pro d\u016fv\u011bryhodn\u00e9 klienty, a to bez poplatku za dr\u017een\u00ed. Poplatek naopak odv\u00e1d\u011bli obchodn\u00edci za realizovan\u00e9 platby (jednalo se o prakticky stejn\u00fd model, jako zn\u00e1me dnes). Klienti pak m\u011bli na \u00fahradu n\u00e1kup\u016f a\u017e 90 dn\u00ed.<\/p>\n\n\n\n

Vyd\u00e1vat karty bylo ale p\u0159\u00edli\u0161 n\u00e1kladn\u00e9 a nep\u0159ineslo bance o\u010dek\u00e1van\u00fd zisk, a proto od vyd\u00e1v\u00e1n\u00ed banka upustila. Ale i tak The Franklin National Bank polo\u017eila z\u00e1klady pro dne\u0161n\u00ed platebn\u00ed karty.<\/p>\n\n\n\n

\"\"<\/a>
Foto: quarriesandbeyond.org<\/figcaption><\/figure>\n\n\n\n

Za\u010d\u00e1tek doby plastov\u00e9<\/h2>\n\n\n\n

Na The Franklin National Bank nav\u00e1zala dal\u0161\u00ed americk\u00e1 banka. Bank of America poslala do ob\u011bhu prvn\u00ed vlastn\u00ed platebn\u00ed kartu v roce 1958.<\/p>\n\n\n\n

Pr\u00e1v\u011b Bank of America za\u010dala vyd\u00e1vat platebn\u00ed karty velice podobn\u00e9 t\u011bm, co zn\u00e1me dnes. Jako prvn\u00ed na jejich v\u00fdrobu toti\u017e pou\u017eila plast. Vyd\u00e1van\u00e9 karty byly embosovan\u00e9, co\u017e umo\u017enilo placen\u00ed pomoc\u00ed mechanick\u00fdch sn\u00edma\u010d\u016f \u2013 imprinter\u016f.<\/p>\n\n\n\n

The Franklin National Bank tento projekt n\u00e1sledn\u011b v roce 1966 zp\u0159\u00edstupnila i dal\u0161\u00edm bank\u00e1m v USA a jedn\u00e9 bance v Anglii. Tak se plastov\u00e9 platebn\u00ed karty roz\u0161\u00ed\u0159ily nejen po Americe, ale dostaly se i do Evropy. <\/p>\n\n\n\n

\"\"<\/a>
Foto: National Museum of American History<\/figcaption><\/figure>\n\n\n\n

Ke vzniku Diners Club p\u0159isp\u011blo faux pas<\/h2>\n\n\n\n

Nen\u00ed n\u00e1hoda, \u017ee se karetn\u00ed asociace Diners jmenuje podle anglick\u00e9ho v\u00fdrazu pro ve\u010de\u0159i. Jedna takov\u00e1 ve\u010de\u0159e s p\u0159\u00e1teli st\u00e1la toti\u017e u zrodu t\u00e9to ikonick\u00e9 platebn\u00ed karty. <\/p>\n\n\n\n

Frank McNamara pozval v roce 1949 p\u00e1r p\u0159\u00e1tel na ve\u010de\u0159i do newyorsk\u00e9 restaurace Major’s Cabin Gril. P\u0159ed ve\u010de\u0159\u00ed si ale p\u0159evl\u00e9kl oblek, a jak to tak b\u00fdv\u00e1, z\u016fstala v n\u011bm jeho pen\u011b\u017eenka. Na Franka tak \u010dekalo nemil\u00e9 p\u0159ekvapen\u00ed p\u0159i placen\u00ed. <\/p>\n\n\n\n

Nep\u0159\u00edjemnou z\u00e1le\u017eitost ale vy\u0159e\u0161il majitel restaurace, kter\u00fd Frankovi nab\u00eddl, aby \u00fahradu zaplatil a\u017e na konci m\u011bs\u00edce. Hezky \u010desky \u0159e\u010deno – „na sekeru“. <\/p>\n\n\n\n

Tato ud\u00e1lost Franka inspirovala. Pro\u010d by se lid\u00e9 m\u011bli limitovat jen mno\u017estv\u00edm hotovosti, kter\u00e1 se jim vejde do kapes? A tak Frank Namara zalo\u017eil Diners Club, kter\u00fd vyd\u00e1val tzv. charge cards pro bezhotovostn\u00ed placen\u00ed v restaurac\u00edch. Postupn\u011b se do Diners Club p\u0159idaly i hotely a obchody.<\/p>\n\n\n\n

A jedna z prvn\u00edch karetn\u00edch asociac\u00ed byla na sv\u011bt\u011b. <\/p>\n\n\n\n

\"\"<\/a>
Foto: National Museum of American History<\/figcaption><\/figure>\n\n\n\n

Prvn\u00ed platba kartou v \u010ceskoslovensku<\/h2>\n\n\n\n

Diners Club nese tak\u00e9 jedno prvenstv\u00ed i v tuzemsku. <\/p>\n\n\n\n

Za totalitn\u00edho re\u017eimu v \u010ceskoslovensku platebn\u00ed karty nebyly. Ofici\u00e1ln\u011b se platebn\u00ed karty za\u010daly v tuzemsku akceptovat a\u017e v roce 1965.<\/p>\n\n\n\n

Prvn\u00ed platba platebn\u00ed kartou na na\u0161em \u00fazem\u00ed prob\u011bhla o t\u0159i roky pozd\u011bji, konkr\u00e9tn\u011b 24.10.1968. Ono prvenstv\u00ed z\u00edskala pr\u00e1v\u011b platebn\u00ed karta Diners Club – s tou byla provedena v\u016fbec prvn\u00ed karetn\u00ed transakce u n\u00e1s. <\/p>\n\n\n\n

Prvn\u00ed karetn\u00ed transakci provedl zahrani\u010dn\u00ed z\u00e1kazn\u00edk za slu\u017eby v pra\u017esk\u00e9 pobo\u010dce cestovn\u00ed kancel\u00e1\u0159e \u010cedok. Jako jedin\u00e1 toti\u017e p\u0159i\u0161la do styku s platebn\u00edmi kartami zahrani\u010dn\u00edch z\u00e1kazn\u00edk\u016f. <\/p>\n\n\n\n

Pod \u010cedok z\u00e1rove\u0148 spadaly tak\u00e9 v\u0161echny ostatn\u00ed subjekty v oblasti cestovn\u00edho ruchu. A proto byla pr\u00e1v\u011b spole\u010dnost \u010cedok pov\u011b\u0159en\u00e1 akceptac\u00ed platebn\u00edch karet jako jedin\u00e1 na na\u0161em \u00fazem\u00ed.<\/p>\n\n\n\n

\"\"<\/a>
Foto: \u010cedok<\/figcaption><\/figure>\n\n\n\n
\n\n\n\n

Odkud jsme informace \u010derpali? <\/h2>\n\n\n\n

https:\/\/cs.wikipedia.org\/wiki\/Historie_platebn%C3%ADch_karet<\/a><\/p>\n\n\n\n

https:\/\/www.penize.cz\/platebni-karty\/18777-jak-dosly-platebni-karty-do-ceskych-zemi-aneb-historie-karet-plna-zajimavosti<\/a><\/p>\n\n\n\n

https:\/\/zpravy.aktualne.cz\/ekonomika\/platebni-karty-pamatuji-uz-vic-nez-sto-padesat-let\/r~01ca4fbaee3d11e8a1900cc47ab5f122\/<\/a><\/p>\n\n\n\n

https:\/\/www.finance.cz\/ucty-a-sporeni\/platebni-karty\/abeceda-platebnich-karet\/historie\/<\/a><\/p>\n\n\n\n

\n","protected":false},"excerpt":{"rendered":"

Platebn\u00ed karty se mohou zd\u00e1t jako vyn\u00e1lez posledn\u00edch let. Pravdou ale je, \u017ee prvn\u00ed pokusy o bezhotovostn\u00ed placen\u00ed se datuj\u00ed ji\u017e v\u00edce ne\u017e 100 let zp\u00e1tky. \u017de je hotovost zna\u010dn\u011b omezuj\u00edc\u00ed si uv\u011bdomovali u\u017e na\u0161i p\u0159edci. Jak vypadaly prvn\u00ed snahy o placen\u00ed bez hotovosti? A kdy vznikla prvn\u00ed platebn\u00ed karta? P\u0159in\u00e1\u0161\u00edme v\u00e1m zaj\u00edmavosti z historie\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":27,"featured_media":10809,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[62,63,64],"coauthors":[51],"class_list":["post-10604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-commerce-online-podnikani","tag-historie","tag-platebni-karty","tag-zajimavosti"],"acf":[],"yoast_head":"\nZaj\u00edmavosti z historie platebn\u00edch karet, kter\u00e9 v\u00e1s zaru\u010den\u011b p\u0159ekvap\u00ed! | GoPay blog<\/title>\n<meta name=\"description\" content=\"Jak vypadaly prvn\u00ed snahy o placen\u00ed bez hotovosti? P\u0159e\u010dt\u011bte si zaj\u00edmavosti z historie platebn\u00edch karet, kter\u00e9 v\u00e1s jist\u011b p\u0159ekvap\u00ed!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gopay.com\/blog\/zajimavosti-z-historie-platebnich-karet-ktere-vas-zarucene-prekvapi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zaj\u00edmavosti z historie platebn\u00edch karet, kter\u00e9 v\u00e1s zaru\u010den\u011b p\u0159ekvap\u00ed!\" \/>\n<meta property=\"og:description\" content=\"Jak vypadaly prvn\u00ed snahy o placen\u00ed bez hotovosti? 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