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B1 noun 3분 분량

电子支付

dianzi zhifu

설명: 电子支付 당신의 레벨에서:

An electronic payment is when you pay with a card or a phone. You do not use cash. It is very fast and easy. You can use it to buy things on the internet. Everyone uses it today!

Electronic payment means paying for items using digital technology. Instead of giving the shopkeeper paper money, you use a credit card or an app. It is very common in shops and restaurants. It helps you keep track of your money.

When we talk about electronic payment, we refer to any financial transaction that happens without physical cash. This includes bank transfers, credit card transactions, and mobile apps. It is essential for online shopping and is becoming the standard way to pay for services worldwide.

Electronic payment systems have revolutionized the global economy by enabling instantaneous, secure transactions across borders. While highly convenient, users must remain vigilant about security, such as phishing or data breaches. It is the preferred method for most modern businesses and consumers alike.

The proliferation of electronic payment infrastructure has significantly reduced the reliance on physical currency, leading to the rise of 'cashless societies.' These systems rely on complex cryptographic protocols to ensure the integrity of the transaction. Understanding these systems is crucial for anyone involved in modern commerce, finance, or fintech.

The transition toward electronic payment represents a paradigm shift in the history of human exchange, moving from tangible commodity money to abstract digital ledgers. This evolution reflects broader trends in technological integration and the digitalization of social life. While it offers unprecedented efficiency and data-driven insights for financial institutions, it also raises profound questions regarding privacy, surveillance, and financial inclusion in the digital age.

연습하기 예시 노트와 팁

电子支付 30초 만에

  • Electronic payment is digital money exchange.
  • It replaces physical cash and coins.
  • Commonly used for online and retail shopping.
  • It requires secure networks to function.

Hey there! Have you ever bought something online or tapped your phone at a store? If so, you have used electronic payment. It is basically the digital way of sending money.

Instead of carrying around heavy coins or worrying about losing paper bills, electronic payment allows you to move money instantly. It relies on secure networks to make sure your cash gets from your bank to the shopkeeper safely.

Think of it as the invisible bridge that connects your bank account to the things you want to buy. Whether it is a credit card swipe, a PayPal transaction, or a tap-to-pay feature on your watch, it all falls under this umbrella. It has changed the world because it makes shopping faster and much more convenient for everyone involved!

The concept of electronic payment is younger than you might think! While humans have used bartering and coins for thousands of years, the digital shift really started in the 20th century.

In the 1960s and 70s, banks began using magnetic tape and early computer networks to track money. This was the birth of the electronic funds transfer (EFT). Before this, clerks had to manually write down transactions in giant ledgers.

The real explosion happened with the internet in the 1990s. Companies like PayPal emerged, and suddenly, you didn't need to be in a bank to send money. It evolved from simple wire transfers between large businesses into the instant mobile payments we use today. It is a fascinating journey from physical gold to bits and bytes!

You will hear electronic payment used most often in business, banking, and tech conversations. It is a neutral, professional term that is widely understood.

Common collocations include secure electronic payment, process an electronic payment, and electronic payment system. You might say, 'We offer several electronic payment options,' when running a business.

In casual settings, people often skip the formal term and just say 'digital payment,' 'online payment,' or 'contactless payment.' However, if you are reading a contract or a news article about the economy, you will definitely see the full term used.

While 'electronic payment' is a technical term, it relates to many money idioms. Here are a few:

  • Cash is king: Used to argue that physical money is better than digital.
  • Break the bank: To spend more than you have, often done via easy e-payments!
  • Foot the bill: To pay for something.
  • On the house: When a business pays for your item (no payment needed).
  • Money talks: The idea that having money gives you influence.

The term electronic payment is a compound noun. It is usually countable, so you can say 'an electronic payment' or 'electronic payments' (plural).

Pronunciation (US): /ɪˌlekˈtrɑːnɪk ˈpeɪmənt/. The stress is on 'lek' and 'pay'. It follows standard adjective-noun word order.

It is often used with verbs like 'make,' 'process,' 'accept,' or 'facilitate.' For example: 'We facilitate electronic payments for small vendors.' It is a very stable term in modern English.

재미있는 사실

The word 'pay' comes from the Latin 'pacare', meaning to pacify or appease!

발음 가이드

영국식 /ɪˌlekˈtrɒnɪk ˈpeɪmənt/
미국식 /ɪˌlekˈtrɑːnɪk ˈpeɪmənt/

자주 하는 실수

Mispronouncing 'electronic' as 'electonic'

Stress on the wrong syllable

Slurring 'payment'

라임이 맞는 단어

statement judgment placement basement alignment

난이도

독해 2/5

Easy to understand

쓰기 2/5

Easy to use

말하기 2/5

Easy to say

듣기 2/5

Clear

다음에 무엇을 배울까

선수 학습

money bank buy

다음에 배울 것

cryptocurrency gateway encryption

고급

fintech liquidity

알아야 할 문법

Countable nouns

an electronic payment

Articles

an electronic payment

Compound nouns

electronic payment

수준별 예문

1

I make an electronic payment.

I / make / a / digital / payment

Verb + noun

2

Is electronic payment okay?

Is / this / way / okay

Question form

3

I like electronic payment.

I / enjoy / this / method

Simple preference

4

Use electronic payment here.

Please / use / this / method

Imperative

5

My electronic payment worked.

My / transaction / was / successful

Past tense

6

Electronic payment is fast.

It / is / quick

Adjective usage

7

Do you accept electronic payment?

Can / I / pay / this / way

Acceptance

8

Electronic payment is safe.

It / is / secure

Safety claim

1

Electronic payment is very popular now.

2

I prefer electronic payment over cash.

3

Can I make an electronic payment via my phone?

4

The store only accepts electronic payment.

5

Electronic payment saves a lot of time.

6

My bank tracks every electronic payment.

7

Is there a fee for electronic payment?

8

Electronic payment is easy to use.

1

Most modern retailers have switched to electronic payment systems.

2

I forgot my wallet but made an electronic payment with my watch.

3

Electronic payment has made international trade much simpler.

4

The government is encouraging the use of electronic payment to reduce fraud.

5

We need to verify the electronic payment before shipping the goods.

6

Electronic payment records are helpful for tax purposes.

7

Some small vendors still struggle to set up electronic payment.

8

Electronic payment is the most efficient way to pay bills.

1

The adoption of electronic payment has accelerated due to the pandemic.

2

Security protocols for electronic payment are becoming increasingly sophisticated.

3

Many consumers are concerned about the privacy of their electronic payment history.

4

The infrastructure for electronic payment varies significantly by country.

5

Electronic payment fraud is a growing concern for cybersecurity experts.

6

The company integrated a new electronic payment gateway into their website.

7

Electronic payment platforms often offer rewards for frequent users.

8

Transitioning to electronic payment can significantly lower operational costs for businesses.

1

The ubiquity of electronic payment has fundamentally altered consumer spending habits.

2

Fintech startups are disrupting traditional banking with innovative electronic payment solutions.

3

Regulatory bodies are struggling to keep pace with the rapid evolution of electronic payment technology.

4

The shift toward a cashless economy is predicated on the reliability of electronic payment networks.

5

Cross-border electronic payment remains a complex challenge for global commerce.

6

The convenience of electronic payment often masks the underlying data collection practices.

7

Central banks are exploring digital currencies to modernize electronic payment systems.

8

Electronic payment interoperability is a key goal for international financial organizations.

1

The socio-economic implications of a total transition to electronic payment are profound.

2

The digitalization of currency through electronic payment systems represents a significant departure from the gold standard.

3

Cryptographic security is the cornerstone of modern electronic payment architecture.

4

The marginalization of the unbanked is a significant risk in a society dominated by electronic payment.

5

Electronic payment systems have created a vast trail of metadata that is highly valuable to corporations.

6

The resilience of electronic payment infrastructure is a matter of national security.

7

We are witnessing the obsolescence of physical tender in favor of electronic payment mediums.

8

The democratization of finance is often cited as a benefit of decentralized electronic payment protocols.

자주 쓰는 조합

process an electronic payment
accept electronic payment
secure electronic payment
electronic payment system
make an electronic payment
electronic payment method
electronic payment gateway
facilitate electronic payment
electronic payment history
electronic payment fraud

관용어 및 표현

1

"Pay through the nose"

To pay a very high price.

I had to pay through the nose for that digital subscription.

casual
2

"Foot the bill"

To pay for something.

The company will foot the bill for the software.

neutral
3

"On the house"

Free of charge.

The coffee is on the house today.

casual
4

"Money burns a hole in one's pocket"

To spend money quickly.

With easy e-payments, money burns a hole in my pocket.

casual
5

"Break the bank"

To spend all your money.

This upgrade won't break the bank.

neutral
6

"Penny-pinching"

Being very careful with money.

Stop penny-pinching and use the electronic payment.

casual

혼동하기 쉬운

电子支付 대 Electronic transfer

Both involve digital money.

Transfer is usually bank-to-bank; payment is for goods.

I transferred money to my friend vs I made a payment for the shoes.

电子支付 대 Digital currency

Both are digital.

Currency is the money itself; payment is the act.

Bitcoin is a currency; using it is a payment.

电子支付 대 Online banking

Both are digital finance.

Banking is the management of money; payment is the exchange.

I checked my balance (banking) vs I paid the bill (payment).

电子支付 대 Contactless

It is a type of payment.

Contactless is the method; electronic payment is the category.

I used contactless payment.

문장 패턴

A1

Subject + accept + electronic payment

Do you accept electronic payment?

A2

Subject + make + an electronic payment

I made an electronic payment yesterday.

A2

Electronic payment + is + adjective

Electronic payment is very convenient.

B1

There is + an electronic payment + preposition

There is an electronic payment pending on my account.

B2

Electronic payment + helps + object + verb

Electronic payment helps businesses track sales.

어휘 가족

명사

payment The act of paying.

동사

pay To give money for goods/services.

형용사

electronic Related to digital technology.

관련

fintech The industry behind electronic payments.

사용법

frequency

9

격식 수준

Formal (contract) Neutral (business) Casual (e-pay) Slang (none)

팁

💡

Memory Palace

Imagine your phone turning into a credit card.
💡

Native Speaker Tip

Use 'digital payment' for a more modern feel.
🌍

Cultural Insight

In some countries, cash is still preferred.
💡

Grammar Shortcut

Always use 'an' before electronic.
💡

Say It Right

Emphasize the 'lek' in electronic.
💡

Don't say 'electronic pay'

Always use the noun 'payment'.
💡

Did You Know?

The first credit card was made of cardboard!
💡

Study Smart

Read news articles about fintech.
💡

Real World

Look for the 'contactless' symbol at shops.
💡

Expand

Learn words like 'gateway' and 'encryption'.

암기하기

기억법

E-P (Electronic Payment) = Easy Purchase.

시각적 연상

A glowing lightning bolt (electronic) hitting a cash register (payment).

Word Web

Banking Internet Security Commerce Apps

챌린지

Try to go one whole day using only electronic payments.

어원

Greek/Latin roots

원래 의미: Electronic (amber/spark) + Payment (to appease/pay).

문화적 맥락

None, but be aware of the 'digital divide' where some people cannot access these systems.

Very common in the US and UK; 'contactless' is more common in the UK.

Movies often show 'digital wallets' as futuristic tools.

실생활에서 연습하기

실제 사용 상황

At a retail store

  • Do you accept electronic payment?
  • I'll pay electronically.
  • Is the card reader working?

Online shopping

  • Select your payment method.
  • Processing your electronic payment.
  • Payment successful.

Banking

  • View electronic payment history.
  • Set up automatic payments.
  • Transfer funds.

Business meeting

  • We need to upgrade our payment gateway.
  • Electronic payments are essential for growth.

대화 시작하기

"Do you prefer using electronic payments or cash?"

"Do you think cash will disappear in the future?"

"What is your favorite electronic payment app?"

"Have you ever had an issue with an electronic payment?"

"How has electronic payment changed the way you shop?"

일기 주제

Write about the last time you made an electronic payment.

Describe a world without cash.

Why do you think people are afraid of electronic payments?

Compare the benefits of cash versus digital payments.

자주 묻는 질문

8 질문
Yes, it is just a shorter version.
Yes, they are the most common form.
Generally yes, if you use secure networks.
Usually, yes, to process the transaction.
Most places accept it, but some small shops still prefer cash.
Sometimes businesses pay a small fee to process them.
You should have a backup payment method.
Yes, electronic payments work across most of the world.

셀프 테스트

fill blank A1

I use ___ payment to buy things.

정답! 아쉬워요. 정답: electronic

Electronic is the correct term for digital money.

multiple choice A2

Which is an electronic payment?

정답! 아쉬워요. 정답: Credit card

Credit cards are digital payment tools.

true false B1

Electronic payment requires physical cash.

정답! 아쉬워요. 정답: 거짓

Electronic payment is digital, not physical.

match pairs B1

Word

뜻

모두 맞췄어요!

These are synonyms.

sentence order B2

아래 단어를 탭해서 문장을 만들어 보세요
정답! 아쉬워요. 정답:

Subject + verb + article + adj + noun.

점수: /5

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