阅读理解OnaPC(个人电脑)havingtofilloutaformandtypeinacreditcardnumbertobuysomethingisonlymildlyannoying.Onacellphoneitcouldmakeyouwanttoskipthepurchaseentirely.Thisiswhyinvestorsst

　　阅读理解

　　OnaPC(个人电脑)havingtofilloutaformandtypeinacreditcardnumbertobuysomething

　　isonlymildlyannoying.Onacellphoneitcouldmakeyouwanttoskipthepurchaseentirely.

　　Thisiswhyinvestorsstartups(初创企业)andmajorcorporationsarepouringmoneyinto

　　servicesthatmakeiteasiertousecellphonestobuygoodsandtransfermoney.Theaimistoturn

　　phonesintovirtualcreditcardsorcheckbooksenablingthekindofclickandbuycommerceandonline

　　bankingthatpeoplehavecometoexpectontheirPCs.Butshrinkingdown(缩小)thoseservices

　　presentsseriouschallenges.

　　Theservicesmustworkonmanydifferentphonesandthroughmanycellphoneserviceproviders

　　whichusuallycontrolthebillingrelationshipswithcustomers.Thataddscomplexitytothealreadytricky

　　businessofsafelyandsecurelytransferringfundsamongfinancialinstitutionsandmerchants.

　　Mobilepaymentsystemshavebeentriedbeforewithonlymodestsuccess.Drivinganewflurry

　　(一阵兴奋)ofdealmakingindustryanalystsandexecutivessayisthesuccessoftheiPhone

　　BlackBerryandothersophisticated(尖端的)devices.Thesephonesmakecomplexinteractionseasier.

　　Nowtheraceisontodevelopnewpaymentsystems-andtogetseveralpercentagepointsinfees

　　fromeachtransaction.They'reseeingthatreturnscouldbesohuge.Obopayastartupthatletspeople

　　transmitmoneytooneanotherviatextmessageraised$35millionfromNokia'sinvestment.Alsoa

　　mobilepaymentsstartupcalledBokuannouncedthatithadreceived$13millioninventurecapital

　　financing.

　　Whenpeoplecanusetheirphonenumberstomakeapurchasetheyare10timesaslikelytofollow

　　throughonatransactionaswhentheyhavetotypeincreditcardandbillinginformationsaidDavid

　　MarcuschiefexecutiveofastartupcalledZong.

　　Mobilepaymentcompaniesalsoneedtogetcooperationfrommerchantswhichmustaddapayment

　　optiontotheirmobilesitesorapplications.

　　Butthepotentialopportunitytogetfeesfromthegrowingnumberofmobiletransactionsistoo

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