How Blink Technology Works

What is Blink?

Courtesy Chase

The new blink credit card is just like a regular credit card in many ways. It has the account holder's name and the account number embossed on the front of the card. On the back is a magnetic strip containing the account information, so the card can be used anywhere regular credit cards can be used. The key difference is inside the card.

Embedded within the blink card is a small RFID (radio frequency identification) microchip. When the chip is close enough to the right kind of terminal, the terminal can get information from the chip -- in this case, the account number and name. So instead of swiping the magnetic strip on the card through a standard credit-card reader, card holders simply hold their card a few inches from the blink terminal. The card never leaves the card holder's hand.

As with standard credit-card transactions, the terminal then sends the information via phone line to the bank that issued the card and checks the account balance to see if there is room on the card for the purchase. If there is, the bank issues a confirmation number to the terminal, the sale is approved and the card holder is on his or her way.

Now, let's get into the technical details of blink.