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2019年10月20日 08:39:55来源:美丽面诊

  • It can take a long time for new ideas to catch on in the payments world. Plastic debit and credit cards, for example, account for half of payments in the UK and US, but it has taken more than 60 years to get there. Globally, cash is still dominant.付领域的新想法可能需要很长时间才能得到推广。例如,塑料借记卡和信用卡在英国和美国占到一半的付份额,但它们是花了60多年才做到这一点的。就全球而言,现金付仍占主导地位。Despite being 15 years old, online payment system PayPal only accounts for about 10 per cent of online payments, says Bob Graham, senior vice-president for banking and financial services at consulting firm Virtusa.咨询公司Virtusa负责业和金融务的高级副总裁鲍勃#8226;格雷厄姆(Bob Graham)表示,尽管已有15年的历史,但在线付系统PayPal仅占在线付市场大约10%的份额。The online payments market is still small, accounting for just 2-3 per cent of consumer transactions worldwide, says Patrick Collison, co-founder of payment service Stripe. According to some estimates, there are 366bn non-cash transactions each year.付务公司Stripe联合创始人帕特里克#8226;科利森(Patrick Collison)表示,在线付市场规模仍然很小,只占到全世界消费交易的2%-3%。根据某些估算,每年非现金交易规模达3660亿美元。However, the online payments market is expected to grow, not least because consumers want easier ways to pay for goods. Businesses also want more efficient mechanisms to handle trade invoices and payments.然而,在线付市场有望增长,主要是因为消费者希望以更便利的方式付款。企业也希望有更高效的机制来处理交易票据和付事宜。Barriers for new payment systems include cost and rates of adoption. Retailers have to pay for tills and card ers and banks have to put in software to process payments. New payment systems need to reach a point where there are enough cards, tokens or apps in circulation, and enough tills, ticket barriers, or websites willing to accept them, to justify any investment.推广新付系统的障碍包括成本和采用率。零售商不得不花钱购置收银机和读卡器,不得不安装软件来处理付事宜。只有当卡、口令牌或应用程序足够普及,同时还有足够的收银台、检票口或者网站愿意接受它们,新的付系统才值得投资。Despite this, there is no shortage of newcomers, such as PayM and Barclays’ Pingit in the UK, Swish in Sweden, or Apple Pay, looking for customers.即便存在障碍,新付系统也在不断涌现,比如英国的PayM和巴克莱(Barclays)的Pingit,瑞典的Swish或者Apple Pay。These are likely to succeed or fail based on the experience of consumers. Unless they are secure and convenient, they will remain niche technologies.这些在线付技术可能成功也可能失败,关键看用户体验。除非非常安全和便利,否则它们将依然是小众技术。A million people signed up to Apple Pay (a mobile wallet app that lets consumers make contactless payments with their phones) in its first week of operation in October. But this is tiny compared with the plastic cards market, says Mr Graham.今年10月,Apple Pay(一种移动钱包应用,让消费者通过手机非接触式付)上线第一周就有100万人注册。但格雷厄姆表示,与塑料卡市场相比,这种数量微不足道。John Skipper, a technology expert at PA Consulting, says payment systems have to be easy for consumers. He says a big barrier to adoption has been confusion about how systems work. Pingit was a success among Barclays’ customers because it was clear and straight#173;forward to use. But, he adds, it failed to become widely adopted, because it was too inaccessible for non-Barclays customers.PA Consulting的技术专家约翰#8226;斯基珀(John Skipper)表示,付系统必须让消费者易于使用。他说,采用付系统的一大障碍是人们不明白其工作原理。Pingit之所以在巴克莱的客户中取得成功,是因为它的使用方法简单明了。但他补充称,Pingit之所以未能推广开,是因为非巴克莱的客户使用不便。Another problem for newcomers is that the variety of payment systems is deterring retailers from investing in the technology, as they wait for global standards to emerge.新进入这一行业的企业面临的另一个问题是,现在的付系统五花八门,这使得零售商不愿投资于这种技术,它们等待相关方制定全球标准。But perhaps the greatest change is the way consumers use smartphones to make purchases. To pay by a card on a smartphone, says Jean Lassignardie, chief marketing officer at Capgemini Financial Services, means typing in a card number and an address, which can be awkward, so a an electronic wallet or PayPal is a strong alternative.但是最大的改变或许在于消费者使用智能手机购物的方式。英国凯捷金融务(Capgemini Financial Services)首席营销官吉恩#8226;拉西格纳蒂尔(Jean Lassignardie)表示,在智能手机上用卡付意味着要输入卡号和地址,这可能有些不方便,因此电子钱包或PayPal是一种较好的替代。The services consumers are paying for on their phones are changing too, from purely digital items such as music downloads, to taxis, accommodation, or meals. As a result, digitally driven services, such as Uber, a lift-sharing company, or Airbnb, which lets people rent accommodation online, are as much about processing payments and creating trust as they are about the apps.消费者在手机上购买的务也在改变,从音乐下载等纯粹的数字产品发展到打车、住宿或餐饮务。因此,拼车公司Uber或者允许人们在线租房的Airbnb等数字驱动的务不仅仅需要处理付问题和建立信任,而且还需要相关应用。Physical retailers are also adopting digital payments. Companies such as Starbucks have persuaded consumers to pay by mobile apps by combining payments and a loyalty scheme.实体零售商也在采用数字付方式。星巴克(Starbucks)等公司将付和会员项目结合起来,说消费者使用移动应用付。One reason electronic wallets – and other alternatives to cash and cards – have so far failed to take off is that they have not made consumers’ lives simpler or brought value to the businesses that use them.电子钱包以及其他代替现金和卡的付方式迄今未能取得成功的一个原因是,它们没有让消费者的生活更加简单,或者为使用它们的商家带来价值。“There is no value added in a business such as a hotel accepting additional payment [systems],”says Deborah Baxley, a consultant at Capgemini Financial Services. “But,” she adds, “it can remove a source of irritation for consumers.”英国凯捷金融务的顾问德拉#8226;巴克斯利(Deborah Baxley)表示:“酒店等接受额外付(系统)的企业没有增加任何价值。但是,它可以消除一个让消费者不满的根源。”Businesses are more likely to invest in systems that will give them greater control over the value such systems can add to their business.企业更可能投资于那些将让它们对此类系统所增加的价值有更大控制权的系统。“Big corporates are taking matters into their own hands [on payments],” says Christophe Uzureau, a payments expert at analysts Gartner. “There is a movement to have more control over issues such as cash management.”咨询公司Gartner付专家Christophe Uzureau表示:“大企业正自己动手创建(付业务)。现在有一种加大对现金管理等事务的控制权的趋势。”Ultimately, online payments could allow businesses to wrest more control of the payment value chain from banks. Along the way, they stand to gather more data about customers’ habits by combining information on purchases, locations and loyalty programmes.最终,在线付可能让企业能够从那里夺得对付价值链的更大控制权。在此过程中,它们会结合购买、位置和会员信息来搜集更多有关客户购物习惯的数据。Smart online wallets, which calculate the best bank, card or other payment scheme for a consumer using criteria such as offers, loyalty points, interest charges and exchange rates, may be the next thing, suggests Matthew Friend, managing director and head of Accenture Payment Services in North America.Accenture Payment Services董事总经理、北美地区负责人马修#8226;弗兰德(Matthew Friend)表示,在线智能钱包可能是下一个热点。在线智能钱包从折扣、积分、利息费用和汇率等标准出发,为客户计算出最佳的、卡或其他付方式。Nonetheless, the online payments sector will grow, if only because accepting more ways to pay will allow businesses to sell more. “Every time a website accepts new ways to pay, it drives more transactions,” Mr Friend says.然而,就算只是因为接受更多付方式将会增加企业的销售,在线付领域也会得到发展。弗兰德表示:“网站每次接受新的付方式,就会推动更多的交易。” /201501/355019。
  • The Use of Fractional Number and Decimal Number分数和小数的最早运用Fractional number分数The first appearance of fractional numbers(fen shu in Chinese ) was a result of dividing two numbers. A fraction number was considered a part of a whole number, and in Chinese,the word fen means to split or divide.Later,in the process of calculation,fractional numbers also appeared to denote the ratio of two whole numbers. Systematic fractional number algorithm appeared in the ancient math classic Jiuzhang Suanshu(Nine Chapters on Mathematical Art)in the Eastern Han Dynasty around the 1 st century,which was about 1,400 years ear-tier than in Europe.最初分数的出现,并非由除法而来。分数被看作一个整体的一部分。“分”在汉语中有“分开”“分割”之意。后来运算过程中也出现了分数,它表示两整数比。在中国古代,东汉时期的《九章算术》中有系统的分数运算方法,这比欧洲大约早1400年。In the annotated version of Jiuzhang Suanshu by Liu Hui,it clearly shows the algorithm of the subtraction,addition,multiplication,and division of fractional numbers,which is identical to todays fractional calculations. Besides, other knowledge about fractions, including how to compare two fractions,and how to calculate the average of fractions,were also included in the book, making Jiuzhang Suanshu the earliest monograph that systematically discussed fractional numbers.从后来刘徽所作的《九章算术注》可以知道,在《九章算术》中,讲到约分、合分(分数加法)、减分(分数减法)、乘分(分数乘法)、除分(分数除法)的法则,与我们现在的分数运算法则完全相同。另外,《九章算术》还记载了课分(比较分数大小)、平分(求分数的平均值)等关于分数的知识,是世界上最早的系统叙述分数的著作。It was not until the 15th century that calculations with fractional numbers be-came popular in Europe. It is generally believed in Europe that the algorithm of frac-tional numbers originated in India,while the fact is the earliest Indian book on the algorithm of fractions appeared in the seventh century,in which were introduced the same rules as the those in Jiuzhang Suanshu .And even the annotated version of Jiuzhang Suanshu by Liu Hui was completed in 263 in the Wei Dynasty(220-265),which means that the algorithm of fractions is at least 400 years earlier than its counterpart in India.分数运算,大约在巧世纪才在欧洲流行。欧洲人普遍认为,这种算法起源于印度。实际上,印度在7世纪的著作中才开始有分数运算法则,这些法则都与《九章算术》中介绍的法则相同。而刘徽的《九章算术注》成书于魏景元四年(263 ),所以,即使与刘徽的时代相比,印度也要晚400年左右才有分数运算法则。Decimal number小数Also in the annotated version of Jiuzhang Suanshu by Liu Hui,the notion of the decimal number was first raised up. Liu invented the decimal number to denote the approximate number value of root extradions. Around the year 1300,Liu Jin in the Yuan Dynasty wrote the number 106368. 6312 as 一 □ ⊥ Ⅲ ⊥ Ⅲ M _ⅡIn his book Lulu Chengshu.The notion of decimal number appeared in the West in 1585 and the expression is rather difficult.For instance,the same number mentioned above would be expressed as (0) ① ② ③ ④or106368 06①3②l③2④刘徽在(九章算术注》中介绍,开方不尽时用十进分数(徽数,即小数)去逼近,首先提出了关于十进小数的概念。到公元1300年前后,元代刘瑾(公元1271一1368年)所著《律吕成书》中,已将106368.6312写成:一 □ ⊥ Ⅲ ⊥ Ⅲ M _Ⅱ。而西方直到1585年才有十进小数的概念,且表示方法很复杂,如上述小数,写法为:(0) ① ② ③ ④或106368 06①3②l③2④。 /201512/410701。
  • Smartphone maker HTC reported a quarterly rise in turnover for the first time since 2011, as new mid-range phones and a tablet produced with Google helped slow the erosion of its market share.智能手机制造商宏达电(HTC)报出2011年以来的首次季度营业额上升,原因是新型中档手机和与谷歌(Google)合作生产的平板电脑帮助延缓了其市场份额的流失。In preliminary results yesterday, the Taiwanese group reported revenue of NT.9bn (.5bn) in the final three months of 2014, up from NT.9bn a year earlier. This was ahead of forecasts, as was a modest operating profit of NT0m, which helped it to avoid a repeat of its first annual loss in 2013.根据昨天发布的初步结果,这家台湾集团在2014年的最后三个月实现479亿元新台币(合15亿美元)的营收,高于一年前的429亿元新台币。这一数据超出了人们的预期,而同样超出预期的还有1.8亿元新台币的少量运营利润,这帮助该公司避免重演2013年出现的首次年度亏损。HTC was quick to launch a smartphone using Google’s Android platform after Apple’s launch of the iPhone, and became the biggest smartphone producer by volume in 2011. But that position was soon captured by Samsung .在苹果公司(Apple)推出iPhone之后,HTC用谷歌的Android平台迅速推出了一款智能手机,并在2011年成为销量最大的智能手机生产商。不过,这一称号很快就被三星(Samsung)夺走。“It’s still too early to call a recovery or turnround,” said Jeff Pu, at Yuanta Securities. He noted that sales had received a boost from November’s release of the Nexus 9 tablet, produced for Google, and that the US company is expected to turn to Asus for the next iteration.元大宝来券(Yuanta Securities)的Jeff Pu表示:“目前称HTC复苏或扭亏为盈还为时尚早。”他指出,11月份HTC为谷歌生产的Nexus 9平板电脑大大提升了该公司的销售额,而谷歌这家美国企业预计会将下一代产品的制造业务交给华硕(Asus)。Other launches included two smartphones in its mid-market Desire range, helping to ease reliance on the One line.该公司推出的其他产品包括两款面向中端市场的Desire系列智能手机。这两款手机帮助HTC减轻了对One系列产品的依赖。HTC’s net profit was NT0m, up from NT0m a year before. Its shares closed down 1.4 per cent yesterday.HTC的净利润达到4.7亿元新台币,高于一年前的3.1亿元新台币。昨天,该公司股价收盘跌1.4%。 /201501/352647。
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