令人难以置信的新金融技术将改变我们的交易方式

所用现金是一个严格意义上的实物商品。人算，在他们的口袋中进行，并把它藏在他们的床垫。但随着技术的数字化，我们的现金及交易，钱是越来越成为无形的。检查出的技术正在塑造我们的购物方式，储蓄和投资。

接触式信用卡

如果使用信用卡支付的东西，你可能无法负担已经不创建一个你和你的财政之间的中国墙，现在接触的信用卡已被扔进组合。

这新一波的信用卡，让您的项目只是在前面挥舞着您的信用卡支付读者，有没有需要插入，轻扫或输入一个 PIN号码。VISA，万事达和探索都支持非接触式支付系统，该选项是越来越普遍，尤其是在英国 ，

然而，虽然这些卡对风险的消费者，如果他们是偷来的，他们有内置的安全功能，包括一个较大的交易密码的要求，并在很短的（2英寸）的范围，防止骗子截获敏感信息。

虚拟钱包

一个虚拟钱包，一般是用在手机上，是设计来取代物理钱包的功能，将所载的所有付款信息存储的一个软件应用程序（ APP）。

一个虚拟的钱包信息存储您的信用卡，银行卡，优惠券和信用卡积分 。在更先进的应用，如谷歌电子钱包，情况下，此功能可与近场通信技术，这可能是在选择智能手机上发现。这允许用户购买窃听对NFC读卡器的智能手机项目。

这样的读者目前可以发现在美国各地的15万客商。在未来，这个功能也可以让用户交流碰撞两个智能手机的资金。

Cryptocurrency

到目前为止，我们已经讨论了一些数字的付款方式，但 cryptocurrency是一种数字货币，不和不存在实物形态 。这种类型的货币本质上是一个加密的数据块，它可以作为一种网上货币形式转移。

在Bitcoin，一个功能完备的cryptocurrency的情况下，它甚至可以作为一种商品进行交易。Bitcoin预示着，这个货币是由中央银行不加控制，因此，不受通胀率性的支持者。由于生产数量有限的Bitcoins，这种货币的价值是基于市场的力量，让业主在Bitcoin StackExchange贸易。

Bitcoins有这么远一些网上交易安全的对等文件传输和转移。然而，由于Bitcoin转移是匿名的，下落不明，它的使用也已与非法和黑市活动。无论Bitcoin可以作为一种可行的货币功能，为消费者还有待观察。

QR码

您可能会有点熟悉的QR码，看起来像电视接收不良的东西，或者外来的停机坪。事实上，这些幻动，黑色和白色的广场是一个可以通过智能手机读取条码类型 。

QR码是经常被用来将用户链接到一个网站，并与用户进行互动，通过手机的硬件，如更新的智能手机的日历，包括广告事件。该技术最近也被作为一种方便的付款方式聘用。

例如，在伦敦的驱动程序，可以扫描QR码进入一个车库时，将提示您输入付款信息通过自己的手机。QR码虽然尚未在美国广泛使用，许多专家相信，我们将看到一切从名片到谷类食品盒，这些奇怪的图像。

数字货币和你

作为我们保存和花钱变得日益数字化的方式，它比以往任何时候都更为重要，保持密切关注您的信用卡及银行结余。不仅支付数字使其难以保持跟踪你已经花了多少或收取的，它也开辟了新途径，通过这盗贼可能会获得您的银行信息。

所以，虽然方便，是新的金融技术的最大振作，但重要的是你没有让他们变得如此便捷，疏于管理自己的财政事务。

以上GOOGLE翻译英文原文如下:

Cash used to be a strictly physical commodity. People counted it, carried it in their pockets and hid it under their mattresses. But as technology digitizes both our cash and our transactions, money is increasingly becoming more intangible. Check out some of the technologies that are working to shape the way we shop, save and invest.

Contactless Credit Cards

As if using a credit card to pay for things you may not be able to afford doesn’t already create a Chinese wall between you and your finances, now contactless credit cards have been thrown into the mix.

This new wave of credit cards allows you to pay for items just by waving your card in front of the reader–there’s no need to insert, swipe or enter a PIN number. Visa, MasterCard and Discover all have systems that support contactless payment, and the option is becoming increasingly common, particularly in the U.K.

However, although these cards pose risk to consumers if they are stolen, they have built-in security features, including a PIN requirement for larger transactions, and a very short (2 inches) range that prevents fraudsters from intercepting sensitive information.

The Virtual Wallet

A virtual wallet is a software application (app) that is generally used on mobile phones and is designed to replace the functionality of a physical wallet by storing all the payment information that would be contained therein.

A virtual wallet stores information about your credit cards, bank cards, coupons and credit card rewardspoints. In the case of more advanced applications, such as Google Wallet, this functionality can be combined with near field communication technology, which may be found on select smartphones. This allows users to purchase items by tapping the smartphone against an NFC reader.

Such readers can currently be found at 150,000 merchants across the United States. In the future, this functionality may also allow users to exchange funds by bumping two smartphones together.

Cryptocurrency

So far, we’ve discussed some digital payment methods, but cryptocurrency is a digital currency that does not and cannot exist in physical form. This type of currency is essentially made up of a block of encrypted data, which can be transferred as a form of currency online.

In the case of Bitcoin, a fully-functioning cryptocurrency, it can even be traded as a commodity. Proponents of Bitcoin herald the fact that this currency is not controlled by a central bank, and is therefore, not subject to its inflationary whims. Because a limited number of Bitcoins are produced, this currency’s value is based on market forces, allowing owners to trade it over the Bitcoin StackExchange.

Bitcoins are transferred through  secure peer-to-peer file transfer and have so far been used for some online transactions. However, because Bitcoin transfers are anonymous and untraceable, its use has also been associated with illegal and black market activities. Whether Bitcoin can function as a viable currency for consumers remains to be seen.

QR Codes

You may be somewhat familiar with QR codes, which look something like a TV with poor reception, or perhaps an alien landing pad. In fact, these pixilated, black and white squares are a type of bar code that can be read by a smartphone.

QR codes are often used to link users to a website and to interact with the user through the phone’s hardware, such as by updating the smartphone’s calendar to include an advertised event.  The technology has also recently been employed as a convenient payment method.

For example, in London drivers can scan a QR code upon entering a parking  garage and will be prompted to enter payment information through their mobile phones.  Although QR codes are not yet widely used in the United States, many experts believe that we will be seeing more and more of these strange images on everything from business cards to cereal boxes.

Digital Money and You

As the way we save and spend money become increasingly digitized, it’s more important than ever to keep a close eye on your credit card and bank balances. Not only does paying digitally make it harder to keep track of how much you’ve spent or charged, it also opens up new avenues through which thieves may gain access to your banking information.

So, while convenience is the biggest perk of new financial technologies, it’s important you don’t allow them to become so convenient that you neglect to manage your own financial affairs.