The concept of customers paying different merchants using the same card was implemented in 1950 by Ralph Schneider and Frank McNamara, founders of Diners Club, to consolidate multiple CARDS.

1950年，大莱俱乐部的创始人Ralph Schneider和Frank McNamara，将消费者在不同商户用同张卡片消费的理念付诸实施，旨在整合各式各样的卡片。

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But Masters, that concept is something of a is a paradox, and like a face card it is upside down either way you look at it.

但是，大师们，这某种意义上是一个悖论，就像扑克牌的上下两面那样两边都一样有道理。

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The concept is simple: users sign up for free, linking a credit or debit card to their account.

这项服务的理念很简单：用户免费注册后，将一张信用卡或借记卡与账户挂钩。

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Altman thinks the virtual loyalty card concept is a better model for local advertising than search engines.

FORBES: Loopt Star Launches As A Virtual Loyalty Card

Gift cards are a big industry, which is why a number of other start-ups such as gift card marketplaces Cardpool and Plastic Jungle, and Gifi, which has a somewhat similar concept to GiftRocket, have focused on this area.

FORBES: GiftRocket Seeks To Reinvent Gift Cards

While the concept is to be commended, the website falls far short of being a helpful tool for credit card shoppers.

FORBES: Fed's New Credit Card Web Site Will Have Limited Effectiveness