1 . Lawmakers in New Jersey recently advanced a bill that would ban businesses from going cashless — a move that would make the state different from the global trend toward electronic payments but would strengthen resistance from local officials who see no-cash policies as unfair.

Almost l of 3 Americans in 2018 say they don’t use cash during a typical week of purchases,   according to a Pew Research Center study released this week. The findings reveal that Americans are becoming less reliant on paper currency, which occurs similarly in Sweden, India and China.

But state and local officials say that restaurants and shops that adopt cashless policies have left some members of the community behind — individuals without the means to open a bank account or who lack access to lines of credit or the mobile apps that power digital payments.

The New Jersey measure, which would apply only to face-to-face sales and would exclude Internet and phone purchases, comes as officials push similar efforts to bar no-cash rules in New York, Philadelphia and the District.

While cashless policies offer consumers the promise of convenience and provide businesses greater protection against theft and dishonest record-keeping, they also can shut out low-income consumers or undocumented immigrants, critics say.

“Cash-free businesses are unfair by design and pose challenges to low-income communities that may not have access to credit/debit, ”New York City Council member Ritchie Torres said on Twitter last month when he introduced a bill that would ban the practice.

According to the Pew study, the decline in the use of physical currency is not following a regular pattern among the population when race, age and income are accounted for.Pew found a significant gap in cashless adoption tied to annual household income, with adults making at least $75,000 more than twice as likely to make all their purchases without using cash in a typical week,   compared with people who make less than $ 30,000.

The Pew findings suggest that the benefits of going cashless may come with a cost that only some groups of people will bear. Americans with lower incomes are roughly four times as likely than higher earners to make all or almost all of their purchases with cash, according to the study.

As CNBC has noted, business leaders have defended cashless policies by pointing to higher security and improved customer service and efficiency, even as they acknowledge their critics. Some advocates have focused on providing people who are underserved by the traditional banking system with more affordable options, attacking the root cause behind the criticisms of cashless payments.

3 . When you place an order on Taobao, you know the money you pay doesn't go directly to the seller.Instead, it goes through Alipay, which keeps your money for a while.Then Alipay gives the money to the seller.    1    .It is a transfer (财产转让)station between sellers and buyers to make online shopping safe. Buyers needn't worry about paying for products and then receiving nothing.Sellers also don't worry about receiving no money after sending products.These transfer stations are usually set up by payment service companies such as Alipay, Tenpay and YeePay.    2    .It has more than 270 million active users. 

Most online sellers and shoppers like the third party online payment, but banks are not happy.    3    .Users can benefit from financial products through Alipay and make money.So lots of people choose to put money in Alipay rather than in banks. 

    4    .WeChat doesn't have its own account.When paying through WeChat, the buyers' money goes directly to the sellers.That's why so many people are excited about receiving and handing out “red envelopes” or “gift money” to their friends on WeChat. 

Whether Alipay or WeChat payment, they are both trying to attract more users and make online shopping easier. They have made the best of QR code technology.    5    .Maybe in the future, your face is the key to everything.