第1422期:A cashless society

There is nothing worse than fumbling around in your pocket trying to find some small change to pay for a newspaper or a coffee.没有什么比在口袋里摸索找零钱买报纸或喝咖啡更糟糕的了。 So it's good to know that new technology is making cash - banknotes and coins - a thing of the past, turning us into a cashless society.所以很高兴知道新技术正在使现金——纸币和硬币——成为过去，把我们变成一个无现金社会。Today, many of us already use credit and debit cards for financial transactions so there's no need to carry around huge wads of hard currency.今天，我们中的许多人已经使用信用卡和借记卡进行金融交易，因此无需随身携带大量硬通货。 And now it's possible to make contactless payments using tap-and-go cards which are regular bankcards but with a built-in chip and antenna. 现在可以使用触碰卡进行非接触式支付，这些卡是普通银行卡，但带有内置芯片和天线。The card reader sends out a radio frequency and, when you bring the card close to the reader, the antenna picks up the signal to make the payment. 读卡器发出无线电频率，当您将卡靠近读卡器时，天线会接收到信号进行支付。Paying this way or spending on 'plastic' - an informal name for a credit card - can put you at risk of fraud.以这种方式付款或在“塑料”（信用卡的非正式名称）上消费可能会使您面临欺诈风险。 Criminals try to steal cards, or the information on them, to make purchases online or in shops. 犯罪分子试图窃取卡片或卡片上的信息，以便在网上或商店购物。However, contactless payment is capped - in the UK the limit is £30. 但是，非接触式支付有上限——在英国，上限为 30 英镑。And, if someone does go on a spending spree with your card, your bank covers you against the loss - something that wouldn't happen if your banknotes were stolen.而且，如果有人确实用你的卡大肆消费，你的银行会为你承担损失——如果你的钞票被盗，这种情况就不会发生。 Also, the introduction of chip and PIN technology has led to a drop in fraud and has even been helping businesses by cutting the time people spend at tills in shops.此外，芯片和 PIN 技术的引入减少了欺诈行为，甚至通过减少人们在商店收银台上花费的时间来帮助企业。 But, if getting your bankcard out seems like too much trouble, there's now a solution using wearable tech - that's clothing and accessories that include computer and electronic technologies.但是，如果取出您的银行卡似乎太麻烦，那么现在有一个使用可穿戴技术的解决方案 - 包括计算机和电子技术的服装和配饰。 Kenneth Cukier, economist and technology expert, says "this is intended for people who are incredibly lazy who don't want to take their card out of their wallet, or use their phone, or use their watch. 经济学家和技术专家 Kenneth Cukier 说：“这适用于那些非常懒惰的人，他们不想从钱包里拿出卡片，不想使用手机，也不想使用手表。People are going to be making more purchases more of the time - particularly for small-valued goods." 人们将在更多时间进行更多购买——尤其是小价值商品。”And, although our mobile phones are another way of making payments, BBC reporter Kate Russell says that when this is inconvenient you can use the fingo-pay system which "reads the unique maps of veins under the surface of your finger."而且，虽然我们的手机是另一种付款方式，但 BBC 记者凯特·拉塞尔说，当不方便时，您可以使用 fingo-pay 系统，该系统“读取您手指表面下独特的静脉图”。 The trick is remembering which finger you registered with - that's when good old-fashioned cash might save the day! 诀窍是记住您用哪根手指注册 - 那是好的老式现金可能会节省一天的时间！What do you prefer to use when you buy something?你买东西时喜欢用什么？词汇表fumbling  掏来掏去small change  零钱banknotes  纸币credit  信用debit cards  现金账户卡transactions  交易wads   一扎一扎hard currency  现金contactless payments  无接触支付tap-and-go  点击付款antenna  天线plastic (informal)  （俗语）信用卡fraud  诈骗purchases  购物spending spree   疯狂采购chip and PIN  密码tills  收款柜台wearable tech 可穿戴科技fingo-pay  指纹支付