It’s not so long ago that contactless card payments were exciting and new, but the technology is already old-hat. The new, better way to pay for things in shops? By using your phone to make a contactless payment.
Because traditionally, when you have paid with a card tap (轻敲) or using a chip and pin machine, ultimately the shop you are buying from will be noting down all of your card details.
However, when you tap to pay with your device, it generates a unique ID number for that deal and sends that instead. So you can pay for your goods and the shop can get your money.
Want to give it a try? To actually set things up, go to your Wallet app and follow the instructions.
A.It helps to build the client list. |
B.The setup process varies with banks. |
C.No one needs to share any sensitive data. |
D.It’s also more effective against the threat of thefts. |
E.And phone payments are increasingly convenient too. |
F.Typically this starts by scanning your card with your phone. |
G.Therefore, it knows which bank account to take the money from. |
WeChat, one of the world’s most popular mobile apps and social networks, brought home iF Gold Award for its smart retail innovation, Scan & Go. It is the first ever Chinese product to win4 gold in the iF Service Design category.
Established in 1953, the German-based iF Design Award has always been known for its “Independent, Rigorous(细致的) and Reliable” standards.
Scan & Go enables shoppers at retail stores to turn their mobile phone into a virtual checkout counter. When shopping, customers use their mobile phones to scan product barcodes(条形码), view product information, get discounts, complete self-checkout, and pay directly within the app via WeChat Pay. There is no queuing up at the cash register.
According to statistics, sales during peak hours in traditional supermarkets account for 60% of total turnover, and on average customers spend three to five minutes on queueing and payment during peak hours. With Scan & Go, customers no longer have to queue, and the payment time is shortened to one minute.
In order to realize queue-less purchasing, the WeChat team greatly optimizes retailers’ in-store customer handling efficiency during peak hours, and enables overall management of the consumer traffic flow. By introducing dedicated lanes for Scan & Go, supermarkets have achieved over a five-fold increase in converting(转变) digital members within two months.
In addition to improving retailers’ checkout efficiency and providing customers with a better shopping experience, Scan & Go also combines promotion and marketing modes through Mini Programs, to help increase sales. It helps retailers(零售商) to link the online and offline aspects of their business, and has become the standard tool in China for merchants to realize digital transformation. Scan & Go is now widely used by retailers in China.
【小题1】What does the third paragraph mainly tell us?A.The convenience of Scan & Go. |
B.The use of a virtual checkout counter. |
C.Ways to get discounts from retailers. |
D.Methods of scanning product barcodes. |
A.can buy more items |
B.can save a lot of money |
C.don’t have to pay for what they buy |
D.spend less time to pay for what they buy |
A.They can sell more goods. |
B.They can reduce the discounts. |
C.They can create more Mini Programs. |
D.They can make their goods more standard. |
A.Doubtful. | B.Positive. |
C.Subjective. | D.Negative. |
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A.To tell readers the trouble they have to encounter abroad. |
B.To make a comparison with the advantages of Epay. |
C.To show a one-stop global payment solution. |
D.To remind people not to use digital payments. |
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A.We can transfer money easily from Alipay(Zhifubao)to Epay. |
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When diners ask for the bill in an urban Chinese restaurant, they are more likely to reach for their mobile phones than their wallets. This reflects the rapid spread of mobile payment platforms,which are pushing urban China towards becoming a cashless society.
In a survey of 1,000 urban consumers conducted by the Financial Times, 98% of respondents (受访者) said they had used mobile payment platforms over the past three months. For example, Alibaba’s Alipay was the most frequently used payment platform preferred by 79% of respondents. That is a far greater proportion than those who said they used credit cards (45%) or cash (65%).
These respondents said they most often used them for payments in supermarkets and shopping malls, but they are also popular for ordering food, buying travel tickets or eating out.
Unsurprisingly, the younger the respondents, the more likely they were to have adopted this relatively young technology. While only 56% of respondents aged 35 or older said they preferred making mobile payments to paying via PC, even though almost all owned smart phones, 88% of 18 to 24-year-olds preferred paying via their mobile device.
Mobile platforms are now taking advantage of the big data resources of their parent companies to expand business,and to challenge the traditional banks. It is not surprising that China’s big banks are refusing to co-operate with the upstarts, limiting the range of services they are able to offer. On the other hand, China’s banks, especially the big four state lenders, are known to fiercely guard their turf (领域). Both regulators and China’s well-entrenched (根基深厚) banks will need to adapt if these online lenders are to succeed.
【小题1】How does the author introduce his topic about mobile payment platforms?A.By raising a question. | B.By giving an example. |
C.By making a comparison. | D.By listing the details of a survey. |
A.Cash. | B.Credit cards. |
C.Alibaba’s Alipay. | D.Mobile payment platforms. |
A.People chose to pay via PC because of lack of smart phones. |
B.The younger the respondents, the more smart phones they owned. |
C.The younger the respondents, the greater chance that they paid by smart phones |
D.Paying by smart phones was not popular at all among the people aged 35 or older. |
A.They feel the threat from mobile payment. |
B.They can’t share their big data resources. |
C.They are determined to ensure financial safety. |
D.They are refused to cooperate with the platforms. |
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