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Until 1958, consumer credit worked on a one-off basis.

“We kind of view it more as a form-factor shift” for credit cards, he noted.

It wasn’t until Bank of America introduced the Bank Americard–an entity later spun out and renamed Visa–that the plastic credit card and the now-familiar interactions of swiping and signing were introduced to the general public.

Visa hopes to once again reshape the way shoppers pay for their purchases–this time as commerce increasingly moves online and on mobile.

As she waited for the Bluefield Area Transit bus to whisk her back to West Virginia, Elrod would think about her fiancé, a Scottish oil worker she’d met online.