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How to Buy Things in the Future[A] Now cash and plastic are fading in popularity, and possibly faster than you realize. Maybe you already pay for your morning coffee with just your mobile phone. Soon enough, thanks to advances in biometrics, you might pay with just your face. Well before the end of the century, wallets will likely be museum pieces.
[B] Futurists sometimes joke that the prospect of a cashless society is much like that of a flying car, it's often promised, but it never materializes. And yet some banks in Sweden no longer dispense cash. Most airlines won't accept cash for in-flight purchases. A number of restaurants, including New York's Commerce, have begun refusing greenbacks, accepting only credit and debit cards."It's more portable, and no one has to worry about losing money," says Tony  Zazula, Commerce's owner, who notes that the change has made accounting much simpler. Here, drawn from interviews with futurists, economists, executives, and entrepreneurs, are other predictions about the future of money.
[C] The shift from credit cards to phone-based payment systems is, of course, well under way. Starbucks, for example, says that 13 million people actively use its mobile app, which allows customers to debit prepaid Starbucks accounts. And this summer, a union of 70 chains (members include CVS and Walmart., will launch a version of an app called CurrentC in a test market. The group hopes that the app will eventually let people in 110,000 locations pay (out of their checking accounts) via phone. Such apps will use customer data to offer shoppers targeted coupons, and could give merchants a newly detailed look at what consumers are buying, says Ben Jackson, an industry analyst with Mercator Advisory Group.
[D] As mobile-payment technologies improve, checking out stands to get speedier. Both Current C and the Starbucks app ask customers to scan a bar code on their phone. Apple Pay and Google Wallet likewise require a consumer to pull out her phone and hold it to a reader. Future mobile-payment systems could use Bluetooth Low Energy technology, which doesn't require a customer to be as close to a checkout counter. (Already, some Safeway and Macy's stores use iBeacon, Apple's indoor positioning system, to push deals to iPhones). For that matter, Jeremy Epstein, a senior computer scientist at the research institute SRI International, thinks checkouts could pretty easily be dispensed with altogether. If Radio Frequency Identification (RFID) tags were attached to merchandise, a sensor at a store exit could register both a customer's phone and the RFID tags on whatever she was carrying, and those items would be hers.
[E] Merchants can be slow to adopt technologies that are costly to install. But many retailers have already begun upgrading their systems to accept mobile payments, and we may be surprised by how quickly phone-based transactions increase. For one thing, allowing customers to pay by phone can save retailers costly credit-card transaction fees, Jackson says. For another, mobile payments tend to be more secure than credit-card transactions. In some new mobile-payment systems, when a phone is scanned, no bank-account data are passed through the cloud; if hackers broke in, they'd see only the unique strings of numbers that are generated for each purchase, which are useless for anything else. In the aftermath of recent data breaches, this security edge may be especially compelling to retailers. "I have a feeling that 20 years from now, everything now done by plastic will be done by a smartphone," says Robert Litan, an economist at the Brookings Institution.
[F] Phones are only the beginning. RFID tags are already so small that they could fit in a watch, or even under your skin. Such implants aren't science fiction: one techie, Areal Graafstra, has written about how he installed RFID tags in his hands and RFID readers on various doors in lieu of locks, so that he wouldn't have to bother with keys anymore.
[G] Eventually, biometrics might allow you to carry (or implant. nothing at all) A Swedish start-up called Quixter has outfitted stores at Lund University with a system that lets students pay by having the vein patterns in their hands scanned.
[H] Iris (虹膜) scanners have potential, too -- they're hard to trick, and eyes, unlike hands, don't change much with age, says Hector Hoyos, the founder of Hoyos Labs, which works on identity-authentication technologies. Hoyos thinks payments could one day be processed automatically --imagine your eyes being scanned as you enter an amusement park, the price of admission being deducted from your bank account as you get in line for your first ride.
[I] Scott Rankin, the chief operating officer of Merchant Customer Exchange, the consortium (财团 .behind CurrentC, says users will be able to alter their privacy settings to ensure that information about what they buy isn't used or shared. But as Epstein, the computer scientist at SRI, points out, many people won't mind sharing data if they believe they're being compensated with good deals."Most people are fundamentally lazy and will do whatever is easiest," he told me. "What's going to be easiest is not being anonymous."
[J] Not so long ago, it looked as if we might be on our way to a single global currency, or two or three. European countries eagerly abandoned their national currencies in favor of the euro; in 2009,Zimbabwe began using other countries' currencies. Economically, these experiments haven't worked out well. And in fact, as digital technologies advance, shoppers are likely to use more currencies rather than fewer. From a merchant's perspective, accepting digital pesos or rubles is less costly than accepting foreign bills and coins.
[K] As mobile technologies let stores track shoppers' behavior more closely, customer-loyalty programs are likely to become more prominent, says Heather Schlegel, a futurist. Better data on buying habits will likely lead to more-targeted, and therefore more-enticing, offers. Stores might well begin to accept one another's loyalty points: already, gamers can use Subway and Burger King gift cards to buy virtual goods for online games; down the road, you might be able to use, say, your Disney Dollars to pay for things at Walmart.
[L] Today, retail customers' most frequent interactions with banks involve cash and credit cards. As cash disappears and phones replace plastic, banks may struggle to remain relevant. Already, around the world, new services are enabling people to move money without any bank at all. In Korea,for example, people load value onto T-money cards, which started out as fare cards (the T is for "transportation". and can now be used in taxis and at vending machines. In Kenya and other parts of the developing world, people can walk into a convenience store, deposit cash into an account managed by a service called M-Pesa, then transfer the money to other users via text message.
[M] Theoretically, the more popular alternative financial instruments and currencies become, the less control national governments will have -- over law enforcement, over taxation, over the very functioning of their economies. After all, if most Americans were to start using bit coins or rewards points as everyday currencies, fewer dollars would circulate in the economy, and the Federal Reserve's ability to affect the supply of money and regulate interest rates would in turn be limited.
1.[选词填空]RFID tags are small enough to be installed in a watch or under our skin.
    • 解题思路:[F]段第2句提到,射频识别标签早已变得小到可以装进手表里或是植入皮肤下层。题目是对本句的同义转述,其中的be installed in对应文中的fit in。
    2.[选词填空]The app called CurrentC is aimed at making mobile payment in 110,000 locations possible.
      • 解题思路:【C】段第3句提到CurrentC这款应用程序,第4句说推出这款程序的联盟希望这款应用程序最终能让人们用手机在110000家商店进行支付。由此可见,这款程序的目的是要让人们能用手机在110000家商店进行支付。题目是对这两句的概括。
      3.[选词填空]Cash is not available in some restaurants, such as New York's Commerce.
        • 解题思路:[B]段第4句提到,包括纽约科莫斯在内的许多饭店已经拒收美钞,只接受信用卡和借记卡付款。由此可见,像纽约科莫斯这样的饭店现在都不用现钞。题目是对该句的同义转述。
        4.[选词填空]In some developing countries, a service called M-Pesa allow users to transfer money.
          • 解题思路:【L】段最后一句提到,在肯尼亚和其他一些发展中国家,人们可以走进便利店,把现金存到由“移动货币”这一服务经营的账户里,然后再通过短信把钱转给其他的用户。由此可见,在一些发展中国家.人们可以通过“移动货币”这一服务来转账。
          5.[选词填空]The author believe that it will be possible for customers to buy things at Walmart with Disney Dollars.
            • 解题思路:[K]段最后一句提到,将来,你可能可以用迪士尼钱币在沃尔玛买东西、题目是对该句的同义转述。
            6.[选词填空]Mobile payments are safer than credit-card transactions.
              • 解题思路:【E】段第4句提到,手机支付比信用卡支付安全性高,即手机支付比信用卡支付更安全。题目是对该句的同义转述,其中的safer对应文中的more secure。
              7.[选词填空]The author thinks that wallets will disappear in the near future.
                • 解题思路:【A】段最后一句提到,不用等到本世纪末,钱包很可能会被放到博物馆当展览品了。由此可见,作者认为钱包将在不久的将来消失。题目是对该句的同义转述。
                8.[选词填空]As digital technologies advance, it is likely to have more currencies rather than fewer.
                  • 解题思路:【J】段倒数第2句提到,实际上,随着数字技术的进步,购物者很可能使用更多种类的货币而非更少种类的货币。题目是对该句的同义转述。
                  9.[选词填空]Iris scanners are secure because our eyes don't change much as we get older.
                    • 解题思路:【H】段第l句提到,虹膜扫描仪也很有潜力,它们不容易上当,并且,眼睛不同于手,不会随着年龄发生改变的。由此可见,虹膜扫描仪很安全,因为我们的眼睛不会随着年龄的增长而发生太大的变化。题目是对该句的同义转述,其中的don’t change much as we get older对应文中的don’t change much with age。
                    10.[选词填空]Students at Lund University can buy things at campus shops by scanning their vein patterns in their hands.
                      • 解题思路:[G]段第2句提到,瑞典一家新成立的名叫Quixter的公司已经给兰德大学的商店装上了一套系统,学生们付账时,只需让该系统扫描一下他们手掌内的静脉结构即可。由此可见,兰德大学的学生可以在校园商店里通过扫描手掌内的静脉结构来购物。题目是对该句的同义转述。其中的campus shops对应文中的stores at Lund University?
                      • 参考答案:F,C,B,L,K,E,A,J,H,G