2011年高考英语湖北卷 - 阅读理解E

Which are you more likely to have with you at any given moment-your cell phone or your wallet? Soon you may be able to throw your wallet away and pay for things with a quick wave of your smart phone over an electronic scanner.
你更可能随时携带手机还是钱包？很快，你就可以扔掉钱包，通过电子扫描仪用你的智能手机快速挥动一下来付款了。

In January, Starbucks announced that customers could start using their phones to buy coffee in 6,800 of its states. This is the first pay-by-phone practice in the U.S., but we're likely to see more wireless payment alternatives as something called near field communication (NFC) gets into America's consumer electronics. Last December some new smart phones which contain an NFC chip were introduced to the public.
今年1月，星巴克宣布，顾客们可以开始在声明的6800个营业点使用手机购买咖啡。这是美国第一次通过手机付费，不过随着NFC进入美国消费电子产品领域，我们可能会看到更多的无线支付替代方案。去年12月，向公众推出了一些包含NFC芯片的新型智能手机。

Already in use in parts of Asia and Europe, NFC allows shoppers to wave their phones a few inches above a payment terminal - a contact-free system built for speed and convenience. But before NFC becomes widely adopted in the U.S., a few problems need to be worked out, like who will get to collect the profitable transaction fees. Although some credit card providers have been experimenting with wave-and-pay systems that use NFC-enabled credit cards, cell phone service providers may try to muscle their way into the point-of-sale (POS) market. Three big cell phone service providers have formed a joint venture that will go into operation over the next 15 months. Its goal is "to lead the U.S. payments industry from cards to mobile phones."
NFC已经在亚洲和欧洲部分地区使用，它允许购物者在支付终端上方几英寸处挥动手机——这是一种为快速方便而构建的无接触系统。但在NFC在美国被广泛采用之前，需要解决几个问题，比如谁将收取有利可图的交易费。虽然一些信用卡提供商一直在尝试使用支持NFC信用卡的感性付费系统，但手机服务提供商可能会试图强行进入POS市场。三家大型手机服务提供商成立了一家合资企业，将在未来15个月内投入运营。其目标是“领导美国支付行业，从信用卡到手机。”

The other big NFC issue, apart from how payments will be processed, is security, for instance, what's to stop a thief from digitally pick-pocketing you? "We're still not at the point where an attacker can just brush against you in a crowd and steal all the money out of your phone," says Jimmy Shah, a mobile-security researcher." Users may also be able to set transaction limits, perhaps requiring a password to be entered for larger purchases.
除了如何处理付款外，NFC的另一个大问题是安全性，例如，如何阻止窃贼以数字方式窃取你的钱袋？移动安全研究员吉米·沙阿表示：“我们还没有达到攻击者可以在人群中与你擦肩而过，从你的手机中窃取所有资金的地步”。用户还可以设置交易限制，进行较大金额的交易时可能需要输入密码。

Still uneasy about this digital-wallet business? Keep in mind that if you lose your smart phone, it can be located on a map and remotely disabled. Plus, your phone can be password protected, your wallet isn't.
还在对数字钱包业务感到不安吗？请记住，如果您丢失了智能手机，它可以在地图上定位，远程禁用。另外，你的手机可以有密码保护，而你的钱包没有。