13.E-money,or electronic money,is money that you exchange electronically,as opposed to actual notes and coin.Generally,you conduct e-money or e-currency transactions(交易)over the Internet,of with smart cards that are linked to a bank account.More and more people are also using mobile phones to make such transactions.
E-money can be used anytime and anywhere.It is probably the best form of money to use for international transactions,as there are no troubles of currency exchange.It is more reliable,faster than paper checks and drafts(汇票),and has low costs of transactions.Today,with e-money becoming more popular,banks are competing to reduce transfer costs and provide account holders with good deals.If you send someone a check,it will take a few days to clear.But with an online money transaction,the money reaches the other person's account almost instantly.These transactions can be made after the bank has closed,and even on holidays.
When you carry a large amount of money,there is always a chance of it being lost or stolen.E-money is safer than currency in this regard.Every transaction requires you to provide a personal identification number (PIN) for the payment to be completed.Electronic funds transfers can be more secure than cash or check transactions.All you have to do is take some simple precautions to make sure that your card or online account is not misused.
Each and every transaction made with electronic money is recorded in the bank's and the user's online records.These records have all the essential information about the transaction:the name of the payer,the name of the receiver,and the date,place and time it took place.This makes it more dependable,and users can access their records of transactions at any time of the day.

21.How many means of e-money transactions arc mentioned in the passage?B
A.1.
B.2.
C.3.
D.4.
22.What does a payer have to provide to complete an c-money transaction?D
A.The receiver's bank account.
B.The payer's mobile phone number.
C.The name of the receiver.
D.The personal identification number.
23.Which is NOT the feature of e-money?A
A.People can use cell phones to make e-money transactions.
B.With online money transactions,you don't worry about where you are and when it is.
C.It can secure your money against being lost or stolen.
D.Each e-money transaction is recorded in the bank's and the user's online records.
24.What's the writer's purpose of writing this passage?D
A.To explain how to use e-money.
B.To show how popular e-money is.
C.To introduce me advantages of e-money.
D.To promote a new kind of transaction.
25.The second and third paragraphs are developedB.
A.by using statistics                                     
B.by making comparisons
C.by giving examples                                   
D.by listing categories.
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