An（），serving a function similar to a physical wallet, holds credit card numbers, electronic cash, owner identification, and owner contact information and provides that information at an electronic commerce site's checkout counter. A.electronic wallet B.el

SECTION A MINI-LECTURE

Directions: In this section you sill hear a mini-lecture. You will hear the lecture ONCE ONLY. While listening, take notes on the important points. Your notes will not be marked, but you will need them to complete a gap-filling task after the mini-lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE. Use the blank sheet for note-taking.

听力原文： Good morning, everyone. First about your second assignment. I'd like to remind you that your second assignment should be in by next Fri day. You can either put it in my pigeon hole, or leave it with the Department's secretary. Now, let's get down to the lecture.

Today, the lecture is on credit, er, or to be more specific, on credit cards. I'm sure you must have heard of some credit cards, like the VI SA card, which is an internationally used card, or the Great Wall card issued by the Bank of China, In order to give a better understanding, we'll discuss it in some detail.

Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or ser vices immediately and promises to pay for them later. This buy-now-pay later credit system is quite old.

There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the

card.

The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit hill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.

There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner, ff a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn't have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxidrivers, doctors and dentists—will accept credit cards in an emergency. This is very important if you don't have any cash with you.

However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of th

● The function of （72） is to convert information from one physical representation to digital electrical signals.

（72）

A. I/O devices

B. disk

C. memory

D. CPU

A、None of the above

B、Electronic checks

C、Electronic wallets

D、Electronic Cash

Cash investments made by the owner to the business are reported on the statement of cash flows in the

A. financing activities section

B. investing activities section

C. operating activities section

D. supplemental statement

听力原文： We will live in a society when cash no longer exists. Instead, "cash" would be electronic, as in bank-card systems. Notes and coins would be abandoned. Its benefits would be profound and fundamental. Theft of cash would become impossible. Bank robberies and cash-register robberies would cease to occur. Urban streets would become safe. Retail shops in once dangerous areas could operate in safety. Neighborhoods would improve.

National electronic-money system would operate as a debit-card system. Each individual's money would be held in his money-system account. A transaction would affect an instant transfer of money from his account to that of another account holder. Only cash would be supplanted by electronic money. Credit card and automatic-teller-machine system would not necessarily change, although you could no longer obtain cash at ATMs.

27. In future, what kind of form. will the money be?

28.According to the passage, why would the neighborhoods improve?

29.What make(s) it possible to divorce money from evil?

30.According to the passage, which of the following statements is false?

(27)

A．cash

B．notes and coins

C．recorded electronic funds-transfer system

D．paper gold

Electronic commerce may be defined as the entire set of processes that support ______ activities on anetwork and involve information analysis．

A．post

B．exchange

C．transfers

D．commercial

听力原文：The holder of credit card can buy goods against the card at any shop that has joined the scheme without cash.

(9)

A．The credit card can be used at any shop without paying cash.

B．The credit card can he used at any appointed shop together with cash.

C．The credit card can be used at any appointed shop without paying cash.

D．The credit card can be used to withdraw any amount of cash.

A. income statement

B. statement of owner's equity

C. statement of cash flows

D. balance sheet

A、EDI(Electronic Data Interchange)

B、GIS(Geographical Information System)

C、GPS(Global Positioning System)

D、IT(Information Teach)

A. traceroute

B. ipconfig

C. ifconfig

D. route

E. hostname