Question

【题目】New ways to pay: third party online payment

Do you shop online with websites like Taobao? When you make an order on Taobao, the money you pay doesn’t go directly to the seller. Instead, it goes to Alipay first, which keeps your money for a while. After you receive your goods and click the “confirm receipt” button, Alipay then gives the money to the seller.

This process is called “third party online payment.” There is a transfer station, or a third account(中转站或第三方账户), between sellers and buyers to make online shopping safe. Buyers don’t need to worry about paying for goods and then receiving nothing. Sellers also avoid risking receiving no money after sending out goods.

These transfer stations are usually set up by payment companies such as Alipay, Tenpay and Yeepay. Among them, Aliay is the biggest in China. It has more than 270 million active users according to Xinhua.

While most online sellers and shoppers like the third party online payment system, banks are not very happy. That is because companies like Alipay are fighting over money with the banks. Users can invest in financial products (投资金融产品) through Alipay and make money. Thus lots of people choose to put money in Alipay rather than in banks.

But WeChat payment is not the same. WeChat doesn’t have its own account. When paying through WeChat, buyers’ money goes directly to the sellers. That’s why so many people are excited about sending and receiving “red packets”, or gift money to their friends on WeChat.

Both Alipay and WeChat payments are trying to draw more users and make online shopping easier. New payment methods such as quick response codes (二维码) have become popular too. Two companies are also developing and improving payments through fingerprints.

New ways to pay: third party online payment
Basic information of third party online payment	* For online pament, the money goes to Alipay first, which doesn’t give it to the online seller 【1】 the receipt is confirmed. * this process is called “third party online payment”. * There are many online payment companies and Alipay is the biggest. * It is super popular among people to receive and 【2】 out “red packets” on WeChat because the money goes directly to their friends. * Banks are 【3】 with such a payment system, because these online payment companies are fighting over money with the banks.
Advantages & development of third party online payment	*Sellers avoid the 【4】 of receiving no money after sending out goods. * Shoppers needn’t worry about paying for goods but receiving nothing. * Online payment companies, 【5】 it is Alipay or WeChat payment are trying to make online shopping easier and safer to draw more users. * New online payment methods are sure to appear and be accepted.

Answer 1

【答案】

【1】until/before/unless

【2】hand

【3】unhappy/dissatisfied

【4】risk

【5】Whether

【解析】

文章大意：文章介绍了网上购物的支付方式。支付宝和微信支付都在努力吸引更多用户，让网上购物变得更容易。新的支付方式，如快速反应码也变得流行起来。两家公司也在开发和改进指纹支付技术。

【1】细节理解题。根据文中“When you make an order on Taobao, the money you pay doesn’t go directly to the seller. Instead, it goes to Alipay first, which keeps your money for a while. After you receive your goods and click the “confirm receipt” button, Alipay then gives the money to the seller.” 当你在淘宝网上下单时，你支付的钱不会直接流向卖家。相反，它会先转到支付宝，它会让你的钱保留一段时间。当你收到你的货物并点击“确认收据”按钮后，支付宝然后把钱给卖家。故答案为until/before/unless。

【2】细节理解题。根据文中“When paying through WeChat, buyers’ money goes directly to the sellers. That’s why so many people are excited about sending and receiving “red packets”, or gift money to their friends on WeChat.” 通过微信支付时，买家的钱直接流向卖家。这就是为什么这么多人热衷于在微信上发送和接收“红包”或是给朋友的礼金。可知，此空是“发送”的意思，hand out发送，分发。故答案为hand。

【3】细节理解题。根据文中“While most online sellers and shoppers like the third party online payment system, banks are not very happy. That is because companies like Alipay are fighting over money with the banks.” 虽然大多数在线卖家和购物者都喜欢第三方在线支付系统，但银行并不十分高兴。这是因为像支付宝这样的公司正在和银行争夺资金。可知，此空是“不高兴”的意思，故答案为unhappy/dissatisfied。

【4】细节理解题。根据文中“Buyers don’t need to worry about paying for goods and then receiving nothing. Sellers also avoid risking receiving no money after sending out goods.” 买主不必担心买了货却什么也收不到。卖家也避免在发货后收不到钱的风险。可知，此空是“风险”的意思，故答案为risk。

【5】细节理解题。根据文中“Both Alipay and WeChat payments are trying to draw more users and make online shopping easier. New payment methods such as quick response codes (二维码) have become popular too. Two companies are also developing and improving payments through fingerprints.” 支付宝和微信支付都在努力吸引更多用户，让网上购物变得更容易。新的支付方式，如快速反应码（quick response codes，简称快速反应码）也变得流行起来。两家公司也在开发和改进指纹支付技术。由此可知在线支付公司，无论是支付宝还是微信支付，都在努力让网上购物更容易、更安全地吸引更多用户。故答案为Whether。