Payment

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PART I: ENGLISH

(1) Payment

In our daily life, we make payment during buying things at supermarkets or online stores. There are different payment means for customers to select when making payment.

Traditionally, we use cash, physical debit card or credit card to pay for the goods. With the adoption of new technology, it brings us much convenience when making payment to either individual or companies.

For example, after having lunch with your colleagues, you can transfer money instantly to your colleague’s bank account via electronic fund transfer direct.

Some banks provide new form of fund transfer and it can be as simple as entering the mobile phone number or email address of the recipient. Payment can be done in real-time basis.

Nowadays, we cannot live without carrying a mobile phone daily. We can bind our bank accounts including credit card accounts at mobile wallets for making payment.

Mobile wallet is actually a mobile application provided by banks or non-banks. It’s a digital wallet that allows you to store debit or credit card information, coupons and accumulated loyalty points.

At the physical stores, transactions can be completed within three seconds by holding the mobile wallet at the Point-of-Sale (POS) terminal. It’s one of the forms of digital payment.

For small retail shops with limited budget, a simple QR code sticker can be placed at the cashier. Customer can scan the QR code by using mobile wallet and money can also be transferred to the merchant conveniently.

(2) Conversation

Have you made monthly payment to the property’s management office?

Yes, of course. I’ve already issued a cheque and deposited into bank.

May I know the payment means of purchasing a house?

You can make a bank’s transfer or issue a cheque to a designated account within one month.

What are the features of those mobile wallets?

They usually provide person-to-person , person-to-company payment, online payment, bill payment and top-up of the balance.

What is contactless payment?

Some of the POS terminals can support tapping a credit card conveniently rather than swiping a credit card.

What are the selling points of mobile payment?

Speed, convenience, easy to use and fraud reduction are the main consideration of using mobile wallets and application.

Can you provide me the example of mobile-based payment?

With the use of mobile POS, it can help increase the efficiency of a restaurant because it can streamline the workflow of making a bill from a customer without going back-and-forth to the cashier.

Why do you use a single mobile wallet?

It can help providing a completed picture of my daily spending at different scenes while enjoying rewards after accumulating more bonus points.

What is the convenience bringing to you when using a mobile wallet?

There are wide range of payment services covering transportation, shopping and banking. It can make my life easier and more efficient.

What are the trends of mobile wallet?

Digital payment technologies are evolving and some wallets are equipped with artificial intelligence or combined with cryptographic elements e.g., storing and transacting digital assets in the future.

PART II: MANDARIN

(1) 支付

於我們日常的生活，當於超級市場或網上商店購物時，便須要進行支付。於市場上，已有不同的支付模式供客戶選擇使用。

傳統上，我們使用現金、實體的扣賬卡或信用卡支付所購買的商品，因應新科技的應用，當付款予個人或公司時會帶給我們更多的便利。

舉個例子，你與同事吃完午飯後，你可直接透過電子轉賬實時把費用轉賬至你同事的銀行賬戶。

部份銀行提供較新的轉賬方式，客戶可簡單地輸入收款人的手機號碼或電郵地址，付款便可實時完成。

現今的社會，我們每天的生活不能缺乏手機，我們把銀行的賬戶包括信用卡戶口綁定於手機錢包內，以用作支付的工具。

手機錢包其實是由銀行或非銀行的機構提供的一個手機應用程式，是屬數碼錢包可貯存客戶的扣賬卡或信用卡資料、優惠券及已累積的積分等。

於實體商店，客戶把手機錢包放於銷售點的終端機上，三秒內便可完成交易，這屬電子支付的其中一種方式。

如屬有限預算的小商店，可把簡單的二維碼黏貼置於收銀附近的位置，客戶可使用手機錢包掃描二維碼，亦可方便地轉賬予商戶。

(2) 對話

你是否已支付物業的管理月費?

當然是的，我已發出支票，並已存入銀行。

請問購買樓房的支付模式是什麼?

你可於一個月內透過銀行轉賬或發出支票並存入指定銀行賬戶。

手機錢包有什麼的功能?

手機錢包通常會提供個人至個人、個人至公司的支付、網上支付、繳付賬單及結餘充值等服務。

什麼是非接觸式支付?

部份銷售點的終端機提供以更方便的方式讓客戶可輕拍信用卡於終端機上，而非以刷卡的方式完成支付。

手機支付有什麼賣點?

速度、便利度、使用的容易度及欺詐的減低是使用手機錢包及應用程式的主要考慮。

可否提供以移動裝置支付的例子嗎?

透過使用移動銷售點終端機，當客戶於餐廳付款時，可改善支付的流程，無須由侍應把信用卡提交到收銀處，並再次把信用卡及賬單交回顧客，可提升餐廳的效率。

為何你只使用單一的手機錢包?

當我每天於不同的場景花費時，我可以有更全面的資訊，同時可累積更多的積分而享有回贈。

使用手機錢包為你帶來甚麼的方便?

手機錢包提供廣泛的支付服務，包括：交通出行、購物消費及銀行服務等，讓我的生活過得更輕鬆容易及更有效率。

手機錢包的發展趨勢是什麼?

電子支付的技術一直在演變中，部份手機錢包已配備人工智能或結合加密的元素，如提供貯存數碼資產及將來可進行交易的服務。