Imagine strolling into your local supermarket， popping your essentials into a basket， heading to the bagging area - where no items are unexpected - and walking out with your weekly shop。
想象一下，當(dāng)你漫步在附近的超市，把你的日常用品“啪”的一下扔到籃子里，再前往裝袋區(qū)，然后把你每周的尋常消耗品帶出超市即可。
There is no need to make a payment， no fiddling with coins， and no placement of a debit or credit card in a terminal。 In fact， there is no till at all。
在這個(gè)過(guò)程中，付款是冗余的：既不需要擺弄硬幣，也沒(méi)有地方把信用卡或者借記卡放在pos機(jī)終端。事實(shí)上，根本就沒(méi)有付款柜臺(tái)。
This is not casual shoplifting but a realistic prospect of the future way to pay - when technology recognises your presence， scans your shopping， and invisibly takes payment from your account。
以上過(guò)程并非偶然的偷竊，而是對(duì)未來(lái)支付方式的合理展望：科技手段可以識(shí)別出你的存在，并掃描出你的購(gòu)物品，從而在無(wú)形中幫助用戶在帳戶里扣錢(qián)支付。
Amer Sajed， the chief executive of Barclaycard， says it will spell the steady demise of the physical plastic credit card， which his company introduced to the UK 50 years ago。
巴克萊銀行的首席執(zhí)行官Amer Sajed指出，新的支付方式意味著傳統(tǒng)塑料信用卡的逐步消亡，這種基于物理介質(zhì)的信用卡正是巴克萊銀行50年前引入英國(guó)的。
“People will be able to seamlessly shop going between the web， an app or in store，” he says
他說(shuō)：“人們將能夠在網(wǎng)上，app以及實(shí)體店里進(jìn)行銜接完美的購(gòu)物。
It will also create a battle for control of your digital wallet between banks and technology companies， as well as prompt debate over our privacy and security。
銀行和推出隱性支付的公司將為用戶數(shù)字錢(qián)包的控制權(quán)而展開(kāi)爭(zhēng)奪。個(gè)人隱私和帳戶安全等潛在問(wèn)題也將迅速引起爭(zhēng)論。
Credit cards have evolved since 1966， but the basic procedure of payment has remained the same。 A card is either handed over， or the number on it is read out or entered into a machine。
從1966年起信用卡就一直在進(jìn)化，但是核心支付過(guò)程卻從未變過(guò)：人們要么把卡手把手地交給售貨員，要么將卡塞進(jìn)機(jī)器，讀取上面的數(shù)字和信息。
All that requires the existence of a plastic card， but Mr Sajed says this is being replaced by wearable items。
這樣的交易過(guò)程僅僅需要一張塑料卡，但是Sajed先生說(shuō)這些將被可穿戴設(shè)備所取代。
At a display for Barclaycard staff， he shows off a plastic ring， a bracelet and a keychain which all contain a chip allowing the shopper to make payments on credit。
在對(duì)巴克萊銀行員工的展示中，他展示了塑料指環(huán)，項(xiàng)鏈以及鑰匙環(huán)，這些都包括了可以讓購(gòu)物者通過(guò)信用卡支付的芯片。
This， he says， is just a bridge to technology that will see customers identified by their eye or fingerprint， located via their smartphone， and able to shop without queuing up at a checkout。
他說(shuō)通過(guò)這樣的途徑，高科技可以利用眼睛和指紋識(shí)別分辨顧客，同時(shí)也可以利用智能手機(jī)來(lái)定位出顧客的位置。這樣在購(gòu)物時(shí)就不需要在收銀臺(tái)前排隊(duì)。
Although cash， cheques and indeed cards will remain an option for shoppers， he says， these new ways of paying will take a growing share of the payments market in 10 years’ time。
盡管現(xiàn)金、支票以及信用卡將會(huì)仍然成為顧客支付的選擇，他說(shuō)這種可穿戴式的支付手段將在10年內(nèi)逐漸占據(jù)更大的市場(chǎng)份額。
Such a prospect sounds frightening for anyone who already has concerns about corporations， and potentially hackers， tracking our whereabouts or spending habits。
這樣的前景將使那些已經(jīng)對(duì)現(xiàn)在的企業(yè)漏洞和潛在的黑客威脅深感不安的人們更加憂慮，因?yàn)檫@將可以追蹤人們的去向和消費(fèi)習(xí)慣。
Mr Sajed argues that nothing will be done without permission。
Sajed先生反駁說(shuō)除非消費(fèi)者授權(quán)，否則什么都不會(huì)做。
“We would never track anyone’s location or data without their express knowledge。 and it would only be for things that the customer has allowed us to do。”
他指出只有在消費(fèi)者明確知道自己被定位的情況下，信用卡公司才會(huì)追蹤和定位消費(fèi)者的信息，并且這將只會(huì)用于消費(fèi)者允許信用卡公司所處理的事務(wù)中。
There is an extra benefit， he says， as it is much easier to authorise a transaction when a card company knows a customer’s location。 It is easier to stop fraud for the same reason。
他認(rèn)為這還有一項(xiàng)額外好處，即如果信用卡公司能夠通過(guò)掌握消費(fèi)者所在的位置，那么它們將可以更便捷的批準(zhǔn)一項(xiàng)交易，并且可以預(yù)防詐騙。
A link in the background between the individual and the payment system is required for any of this to work。 This already happens with shopping portals like Amazon and services such as Uber allowing a single-click transaction because bank or credit card details are loaded when the customer first signs up。
對(duì)于新的支付系統(tǒng)來(lái)說(shuō)，把個(gè)人和支付系統(tǒng)相連的后臺(tái)也是必不可少的。這樣的后臺(tái)連接在購(gòu)物或者服務(wù)平臺(tái)上已經(jīng)實(shí)現(xiàn)，比如說(shuō)亞馬遜和優(yōu)步公司。它們?cè)试S顧客在登陸后將銀行或信用卡信息進(jìn)行捆綁，從而使得顧客只需點(diǎn)擊一下即可完成交易。
“These emerging technologies still use the existing， underlying rails of the card payments system，” says Richard Koch， head of policy at the UK Cards Association
“這項(xiàng)新的技術(shù)其實(shí)還是沿用了已經(jīng)存在的支付卡交易系統(tǒng)”，來(lái)自英國(guó)信用卡協(xié)會(huì)的Richard Koch先生說(shuō)。
As this digital market becomes more prevalent， and the technology advances， there will be a battle among banks， payment providers and others for their product to be used。
隨著數(shù)字交易市場(chǎng)的流行和科技的進(jìn)步，銀行、支付手段供應(yīng)商以及其他提供支付手段產(chǎn)品的平臺(tái)將勢(shì)必會(huì)有一場(chǎng)惡戰(zhàn)。
The UK Cards Association predicts there will be almost 21 billion “card” transactions in the UK in 2025， up from 12.6 billion last year。 Of these， 3.6 billion will be credit card purchases compared with 2.5 billion last year。
英國(guó)信用卡協(xié)會(huì)預(yù)測(cè)，英國(guó)在2025年將會(huì)有210億廣義的信用卡交易，而這一數(shù)字在去年則是126億。其中信用卡購(gòu)買(mǎi)頻率將從去年的25億增加到36億。
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