David Donohue has a tough relationship with his wallet and the items inside it.戴维·多诺建(David Donohue)和他的钱包及里面东西的关系仍然不亲密。He has lost his wallet twice in the past year. He has fallen victim to credit card theft three times. On one occasion, a thief plucked a credit card replacement sent to his home directly from his mailbox.他去年两次丢钱包。三次沦为信用卡盗窃案受害人。其中有一次，骗子必要从他的邮箱里顺回头了一张更换新卡。

Mr. Donohue said that is why he was excited to use Apple Pay, the tech giant’s new e-commerce product released on Monday. By pushing a button on his iPhone, he can make a purchase at one of the thousands of retail locations, including Macy’s or Walgreens stores, using the new service. No wallet, cash or plastic card necessary.多诺建说道，这就是为什么他盼望盼望着用上Apple Pay，科技巨头苹果(Apple)周一公布的电子商务新产品。他只需在他的iPhone上按一个按钮，就可以通过这项新的服务在数千家零售店砖中卖东西，还包括梅西百货(Macys)和沃尔格林(Walgreens)的门店。不必须钱包、现金或塑料卡片。“I’d be beyond thrilled to be walletless, simply because I don’t enjoy carrying one,” Mr. Donohue, 42, who works at a social media marketing start-up in San Francisco, said in an interview. “My dream scenario is to carry only my phone and cash.”“要是能挣脱钱包就太棒了，原因很非常简单，我不讨厌带上钱包，”42岁的多诺建说道，这个旧金山社交媒体营销创业公司员工在拒绝接受专访时说。

“我的梦幻原作是只带上手机和现金外出。”Large tech and telecom companies like Google, Verizon and ATT have tried for years to replace the traditional wallet with smartphone apps, having a click here or swipe there replace a credit card or dollar bills at the register. But commerce experts say they believe that the involvement of Apple, which helped revolutionize the mobile industry, could be the impetus that moves mainstream consumers to digital payments — the latest in an evolution of the way people buy goods and services.多年来，谷歌(Google)、威瑞森(Verizon)和ATT等大型科技、电信公司仍然在设法用智能手机应用于替代钱包，在收银台这里点一下，那里刷一下，代替信用卡或钞票。但是商业专家指出，协助推展了移动革命的苹果，未来将会助推主流消费者改向数码缴纳——这是在商品和服务的出售方式演化过程中经常出现的最新动向。Generation after generation of Americans used cash as their primary payment. They then turned to bank checks, later to credit and debit cards. Within a few decades of their introduction, credit cards became ubiquitous: By 2012, nearly three quarters of a billion credit cards were being used in the United States, according to the Federal Reserve.几代美国人都曾把现金作为主要缴纳手段。

他们后来转用支票，再行后来是信用卡和借记卡。信用卡经常出现后，要用了几十年的时间就显得十分普及：根据美联储的数据，截至2012年，美国境内流通的各种支付卡数量已超过7.76亿张。Think of Apple Pay as taking the card out of credit card. After entering their credit card information into the latest iPhones, customers can wave their phone in front of a properly equipped payment terminal at retailers like Whole Foods and McDonald’s. Customers verify the transaction with the iPhone’s fingerprint scanning hardware.我们可以把Apple Pay看作没卡片的信用卡。

在最新款iPhone里输出信用卡信息之后，消费者就可以在零售商的有效地缴纳终端前摇晃手机来缴付了，比如在全食餐馆(Whole Foods)和麦当劳餐厅(McDonald’s)。顾客可以通过iPhone的指纹扫描器来证实这笔交易。

Today, relatively few people buy things with a wave of a smartphone. In the United States last year, consumers spent $1.6 billion using contactless mobile payments of the sort allowed by Apple Pay, according to estimates from eMarketer, a market research firm. That is just a tiny fraction of $264.3 billion in e-commerce purchases made last year, and an even smaller portion of $4.26 trillion in traditional in-store retail purchases.目前通过刷智能手机来购物的人比较较较少。根据市场研究公司eMarketer的估算，去年在美国，消费者通过与Apple Pay类似于的无认识手机缴纳方式共计缴纳了16亿美元。这只是去年2643亿美元的电子商务零售总额中很少的一部分，与传统实体店4.26万亿美元的零售总额比起，就更为微不足道。“Right now, mobile wallets are sort of like e-commerce in 1995,” said John Collison, co-founder of Stripe, a payments processing firm. “Amazon was one of the big companies that made people feel O.K. to put their credit cards online.” Apple, he said, will do the same for the mobile wallet.“手机钱包目前的处境类似于1995年的电子商务，”缴纳处置公司Stripe的牵头创始人约翰·科利森(John Collison)说道。

“亚马逊是让人们深感可以安心用信用卡展开网上支付的大公司之一。”他说道，苹果将为手机钱包带给某种程度的转变。But others point to previous mobile wallet efforts from Google, Verizon and Square, among others, all of which failed to gain wide adoption. And Apple’s largest difficulty could be to persuade thousands of retailers to accept Apple Pay at the checkout line.不过，另外的一些人则提及了谷歌、威瑞森、Square等公司之前的手机钱包业务，这些公司的手机钱包都没被普遍拒绝接受。

此外，苹果面对的仅次于艰难，是劝说数千家零售商在款台拒绝接受Apple Pay缴纳。“Apart from the cool factor, there’s really not a lot of value for the average merchant at the moment,” said Denée Carrington, an e-commerce analyst for Forrester Research. “Especially when you think about how merchants want to capture more information from consumers with each transaction.” She pointed out that Apple Pay did not connect to loyalty and awards programs that merchants often find valuable.“除了很棒之外，就目前而言，它对普通商家知道没相当大价值，”弗雷斯特研究公司(Forrester Research)的电商分析师德内·卡林顿(Denée Carrington)说道。“特别是在是考虑到，商家们都想从每笔交易中取得消费者的更好信息。”她认为，Apple Pay会牵涉到商家往往非常重视的营销策略，比如顾客分数和返利项目。

Industry experts, however, say that Apple’s offering has advantages that its predecessors did not.不过，行业专家称之为，苹果的产品具有之前产品所不具备的一些优势。Accepting Apple Pay and some other mobile payment technologies usually relies on technology inside the payment terminals at registers, like at the stations where a consumer swipes a credit card. By next fall, though, American merchants face a deadline to upgrade their credit card terminals to accept E.M.V. — which stands for Europay, MasterCard and Visa — a technology that makes credit transactions more secure for consumers. Many believe those new terminals will also accept payments from Near Field Communication-enabled devices like the iPhone 6.否拒绝接受Apple Pay及其他移动支付技术一般来说各不相同收银缴纳终端用于的技术，比如在车站收银处，消费者可以刷卡。

但到明年秋天，美国商家面对改版信用卡缴纳终端，使用EMA规范的最后期限，这种技术使消费者的信用卡交易显得更为安全性，EMA代表Europay、万事达(MasterCard)和Visa。很多人指出，这些新的终端也将拒绝接受iPhone 6等近场通讯设备的缴付。“Apple’s timing here is an astute stroke of brilliance,” said Norm Merritt, president of ShopKeep, a start-up that sells point-of-sale products for small businesses. “People will already have to invest in new E.M.V.-enabled machines. N.F.C. is just a few bucks more.”“苹果发售缴纳系统的时机做到十分明智，” 初创公司ShopKeep的董事长诺姆·梅里特(Norm Merritt)说道。

“人们必须出售新的合乎EMV规范的设备。将近场通讯功能只要额外的几美元。”该公司向小型公司出售销售点终端。

Apple is also promoting Apple Pay’s security measures, calling it far safer than the credit cards consumers use on a daily basis.苹果还在宣传Apple Pay的安全性措施，称该系统比消费者每天用于的信用卡安全性得多。“We’re totally reliant on the exposed numbers and the outdated and vulnerable mag stripe,” Timothy D. Cook, Apple’s chief executive, said in Cupertino, Calif., last month. “Which all of us know aren’t so secure.”“我们几乎要依赖丝在外面的卡号，以及过时、更容易密码的磁条，”苹果公司首席执行官蒂莫西·D·库克(Timothy D. Cook)上个月在加利福尼亚州库比提诺回应。“我们告诉这些都不安全性。

”Apple is working with major credit card companies like Visa, American Express and MasterCard to integrate a so-called tokenization system into Apple Pay. The technology sends a secure code to merchants instead of a credit card number, which experts say will make credit card data theft less likely. Every transaction will also come with a unique encoded passcode that will help determine whether a transaction is legitimate.苹果正在与Visa、美国运通公司(American Express)和万事达等主要信用卡公司合作，将所谓的标记化系统统合入Apple Pay。这项技术将安全性的代码而不是信用卡号发送给商家，专家称之为这将减少信用卡数据被盗的可能性。每一笔交易都会有一个独一无二的加密代码，该代码可以协助辨别交易否合法。

“Their brand, their technology and their choices in security made it compelling to us,” said James Anderson, senior vice president of emerging payments at MasterCard, who also pointed to Apple’s fingerprint identification system in the iPhone 6 as an impressive additional way to fight credit card fraud.万事达负责管理新兴缴纳业务的高级副总裁詹姆斯·安德森(James Anderson)说道，“他们的品牌、技术，以及对安全性手段的自由选择更有了我们。”安德森还回应，iPhone 6的指纹识别系统也是一种避免信用卡诈骗的新方法，让人印象深刻印象。Still, consumers can use Apple Pay at a physical retailer only if they have the iPhone 6 or 6 Plus. More than half of American smartphone owners use an Android device, which does not work with Apple Pay.不过，消费者只有享有iPhone 6或者6 Plus，才能在实体商店用于Apple Pay。

美国智能手机用户中有多达一半的人用于Android设备，Apple Pay呼吸困难用作该系统。

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