Digital Wallets

最常见的数字钱包类型是手机上的一款应用程序，它存储了你实体信用卡和借记卡的数据, driver's license, tickets and more. You add the data by either inputting it off your card, syncing it with an account, or taking a photo of the card or ticket from inside the app, so your phone reads it for you.

To make purchases or redeem tickets, just enter your phone's passcode, or use ID, and then you can pay by holding your phone toward the point-of-sale device, or showing the agent your e-ticket to scan. 

数字钱包也可以指你在网上输入一次付款细节的系统, from then on, 您不需要再次输入，因为零售商或电子支付提供商已经为您存储了它. 要进行购买，您只需要输入该提供商的电子邮件和密码，例如PayPal.

Yes, 你的数字钱包不是为了取代你的实体钱包，而是为了增加你的体验和选择范围. 这意味着你不再被旧钱包束缚，但在那些还不接受电子支付的地方，你可能仍然会使用它.

You may choose to sign up for as many or as few e-pay providers as you like. For example, 你可能已经在亚马逊或GrubHub注册了一些在线购物服务, and then use PayPal to make your other purchases. Some stores may still require you to input your payment details separately.

When it comes to the digital wallet app on your phone, if you have an iPhone, 你可能会使用Apple Pay，如果你用的是三星手机，你可能会使用三星支付. 除此之外，选择最适合自己需求和品味的品牌取决于你自己.

If your phone is backed up to a cloud service, your apps should automatically download to your new phone. All you'll need to do is sign in again on the new device. For new cards, you'll need to input or scan your new details. The good news is, do it just once and you're set.

As long as your phone, laptop, and other devices are protected by a password or Face ID, then your payment information is secure. On the other hand, 钱包可能会被盗，有人可能会在你取消信用卡之前用你的信用卡进行欺诈性购物.

Whatever kind of wallet you have, you should be aware of scams, phishing, and theft, 并向你的金融机构或当局报告任何可疑活动.

一般来说，通过电子支付提供商进行的交易是免费的. 但在注册任何应用程序或在线服务之前，一定要检查一下细则.