为什么一些美国餐馆现在才开始使用二维码来点菜，而中国在十多年前就开始使用二维码了？
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Yingzi Li
B Sc. Computer Science from University of Calgary，Lives in Alberta, Canada1992–present
What is a QR code?
QR stands for Quick Response.
Invented in 1994 by a Japanese Company Denso Wave, a QR code is a type of two dimensional barcode that can contain data and information about the item to which it it attached such as addresses, URL, text information, etc.
Users can use their smartphone embedded with a QR scanner to scan the QR code and bring the viewer to the advertiser's website immediately for example. The device will display the contact information to the user, or compose an email or text message.
什么是二维码（QR code）？
QR代表快速响应。
QR码是一种二维条码，由日本Denso Wave公司于1994年发明，它可以包含与所附项目相关的数据和信息，例如地址、URL、文本信息等。
例如，用户可以使用嵌入QR扫描仪的智能手机扫描QR码，并立即将观众带到广告客户的网站。该设备将向用户显示联系人信息，或撰写电子邮件或文本消息。
B Sc. Computer Science from University of Calgary，Lives in Alberta, Canada1992–present
What is a QR code?
QR stands for Quick Response.
Invented in 1994 by a Japanese Company Denso Wave, a QR code is a type of two dimensional barcode that can contain data and information about the item to which it it attached such as addresses, URL, text information, etc.
Users can use their smartphone embedded with a QR scanner to scan the QR code and bring the viewer to the advertiser's website immediately for example. The device will display the contact information to the user, or compose an email or text message.
什么是二维码（QR code）？
QR代表快速响应。
QR码是一种二维条码，由日本Denso Wave公司于1994年发明，它可以包含与所附项目相关的数据和信息，例如地址、URL、文本信息等。
例如，用户可以使用嵌入QR扫描仪的智能手机扫描QR码，并立即将观众带到广告客户的网站。该设备将向用户显示联系人信息，或撰写电子邮件或文本消息。
The information of the user can be captured by the QR codes, When user scans a QR code, they may be lixed to a location (ex. a website) to track where a code has been scanned.
Restaurants can present a QR code that brings the guests to the online menu site or even direct them to an online ordering and paying website or app. It is the need for social distancing during the Covid19 pandemic that makes the usages of QR code for ordering become popular.
用户的信息可以通过二维码捕获。当用户扫描二维码时，可以将其链接到某个位置（例如网站），以跟踪扫描代码的位置。
餐厅可以提供二维码，将客人带到在线菜单站点，甚至可以将他们引导到在线订购和付费网站或应用程序。正是在大流行期间，社交距离的需要使得二维码的使用变得流行起来。
Restaurants can present a QR code that brings the guests to the online menu site or even direct them to an online ordering and paying website or app. It is the need for social distancing during the Covid19 pandemic that makes the usages of QR code for ordering become popular.
用户的信息可以通过二维码捕获。当用户扫描二维码时，可以将其链接到某个位置（例如网站），以跟踪扫描代码的位置。
餐厅可以提供二维码，将客人带到在线菜单站点，甚至可以将他们引导到在线订购和付费网站或应用程序。正是在大流行期间，社交距离的需要使得二维码的使用变得流行起来。
However, the QR scanning for ordering the food through QR code scanning can release your personal information to the restaurants. The restaurant can record your order and put it at the top of their menu next time when you visit the same restaurant again since they know that you like the dish that you ordered last time. The restaurant could try to influence your choices by offering a discount on the dish you enjoyed last time. Isn’t that the same with the Facebook collecting the personal data from Facebook users when they conduct activities on Facebook?
然而，通过扫描订购食物的二维码会将您的个人信息泄露给餐厅。下次你再去同一家餐厅时，餐厅可以记录下你点的菜，并将其放在菜单顶部，因为他们知道你喜欢上次点的菜。这家餐厅可能会对你上次享用的菜肴提供折扣，从而影响你的选择。当脸书用户在脸书上进行活动时，脸书会收集他们的个人资料吗？
然而，通过扫描订购食物的二维码会将您的个人信息泄露给餐厅。下次你再去同一家餐厅时，餐厅可以记录下你点的菜，并将其放在菜单顶部，因为他们知道你喜欢上次点的菜。这家餐厅可能会对你上次享用的菜肴提供折扣，从而影响你的选择。当脸书用户在脸书上进行活动时，脸书会收集他们的个人资料吗？
When you scan a QR code on your phone, you are most likely to be sent to either the restaurant’s website or to the website of a service provider that’s being used by the restaurant. And that website can track all your activities and record your information down. Therefore, the security risks associated with QR codes derive from the destination of QR codes appear.
当您在手机上扫描二维码时，你的信息很可能会被发送到餐厅的网站或餐厅正在使用的服务提供商的网站，该网站可以跟踪您的所有活动并记录您的信息。因此，与二维码相关的安全风险来自二维码的目的地。
当您在手机上扫描二维码时，你的信息很可能会被发送到餐厅的网站或餐厅正在使用的服务提供商的网站，该网站可以跟踪您的所有活动并记录您的信息。因此，与二维码相关的安全风险来自二维码的目的地。
Furthermore, there may have some hackers who can create malicious QR codes which send users to fake websites that capture their personal data such as login credentials or even track their geolocation on their phone.
I guess that is one of the reasons that American restaurants just started using Q.R. codes for ordering while China started that more than 10 years ago.
此外，可能有一些黑客会创建恶意的二维码并将用户信息发送到虚假网站，这些网站会捕获他们的个人数据，例如登录凭证，甚至在手机上跟踪他们的地理位置。
我想这就是美国餐馆刚刚开始使用二维码点餐而中国在 10 多年前就开始使用二维码的原因之一。
I guess that is one of the reasons that American restaurants just started using Q.R. codes for ordering while China started that more than 10 years ago.
此外，可能有一些黑客会创建恶意的二维码并将用户信息发送到虚假网站，这些网站会捕获他们的个人数据，例如登录凭证，甚至在手机上跟踪他们的地理位置。
我想这就是美国餐馆刚刚开始使用二维码点餐而中国在 10 多年前就开始使用二维码的原因之一。
Reasons could be:
Cameras with embedded QR scanner software in America are not popular like they are in China.
Americans are more cautious of their privacy when dealing with the technology than Chinese people. They just don’t like to expose their personal information to some entities when they just visit occasionally.
原因可能如下：
带有嵌入式二维扫描仪软件的相机在美国不像在中国那样受欢迎。
与中国人相比，美国人在与技术打交道时比中国人更谨慎地保护自己的隐私，他们只是不喜欢在偶尔访问时向某些实体公开他们的个人信息。
Cameras with embedded QR scanner software in America are not popular like they are in China.
Americans are more cautious of their privacy when dealing with the technology than Chinese people. They just don’t like to expose their personal information to some entities when they just visit occasionally.
原因可能如下：
带有嵌入式二维扫描仪软件的相机在美国不像在中国那样受欢迎。
与中国人相比，美国人在与技术打交道时比中国人更谨慎地保护自己的隐私，他们只是不喜欢在偶尔访问时向某些实体公开他们的个人信息。
Chinese people don’t care about privacy.
"All the young people are very busy chasing their dreams, and the old people don’t care. That means privacy is not the top priority in people’s lives," Dr. Zhang Weining, an associate professor at Cheung Kong Graduate School of Business said.
而中国人不在乎隐私。
长江商学院的副教授张维宁博士说：“所有的年轻人都在忙于追逐自己的梦想，而老年人不在乎，这意味着隐私并不是人们生活中的头等大事”。
"All the young people are very busy chasing their dreams, and the old people don’t care. That means privacy is not the top priority in people’s lives," Dr. Zhang Weining, an associate professor at Cheung Kong Graduate School of Business said.
而中国人不在乎隐私。
长江商学院的副教授张维宁博士说：“所有的年轻人都在忙于追逐自己的梦想，而老年人不在乎，这意味着隐私并不是人们生活中的头等大事”。
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Milord Jimmy Lee
, studied at Restaurants (1976)，Lives in California
The existing answers focus on the technology and/or economics of the QR code.
I don’t know too much about tech or economics.
I do know about eating out at restaurants, though. I love eating out!
The thing is, the culture of eating out for the Chinese is different than the culture of eating out for the American consumer. For the Chinese, it’s all about the food.
现有答案侧重于二维码的技术和/或经济性。
我对科技或经济知之甚少。
不过，我了解外出就餐，因为我喜欢在外面吃饭！
问题是，中国人外出就餐的文化不同于美国消费者外出就餐的文化。对中国人来说，一切都与食物有关。
Milord Jimmy Lee
, studied at Restaurants (1976)，Lives in California
The existing answers focus on the technology and/or economics of the QR code.
I don’t know too much about tech or economics.
I do know about eating out at restaurants, though. I love eating out!
The thing is, the culture of eating out for the Chinese is different than the culture of eating out for the American consumer. For the Chinese, it’s all about the food.
现有答案侧重于二维码的技术和/或经济性。
我对科技或经济知之甚少。
不过，我了解外出就餐，因为我喜欢在外面吃饭！
问题是，中国人外出就餐的文化不同于美国消费者外出就餐的文化。对中国人来说，一切都与食物有关。
Yum! Chinese go out for the excellent food. They love a feast of diverse, delicious dishes.
No offense but service is not a huge priority at Chinese restaurants. QR codes fit the function of the Chinese eating out. They order their food on the app. The food comes out quickly, efficiently, and deliciously. There’s minimal interactions with waitstaff.
好吃！中国人会外出寻找美味佳肴，他们喜欢各种各样的美味佳肴。
无意冒犯，在中国餐馆，服务并不是一个重要的优先事项。二维码和适合中国人外出就餐的需求，他们会在应用程序上点餐，食物出来的速度快，效率高，美味可口，和服务员的互动很少。
No offense but service is not a huge priority at Chinese restaurants. QR codes fit the function of the Chinese eating out. They order their food on the app. The food comes out quickly, efficiently, and deliciously. There’s minimal interactions with waitstaff.
好吃！中国人会外出寻找美味佳肴，他们喜欢各种各样的美味佳肴。
无意冒犯，在中国餐馆，服务并不是一个重要的优先事项。二维码和适合中国人外出就餐的需求，他们会在应用程序上点餐，食物出来的速度快，效率高，美味可口，和服务员的互动很少。
Americans are foodies, it’s true. But going out to eat isn’t as much about the food. It’s about the service. It’s about the experience.
Good service means being waited on.
而美国人是美食家，这是真的。但他们出去吃饭并不是为了食物，而是为了服务。一切都和体验有关。
好的服务意味着有人侍候。
Good service means being waited on.
而美国人是美食家，这是真的。但他们出去吃饭并不是为了食物，而是为了服务。一切都和体验有关。
好的服务意味着有人侍候。
There’s a ritual. You’re seated by a host, who hands out nicely designed and presentable menus. You enjoy drinks while perusing the little leather bound catalog of dinner possibilities. There’s a casual discussion of what everyone is considering. The waiter comes, offers pleasantries and suggestions, and takes your order. You go around the table, declaring your preference. It is all an essential part of the experience. Ordering from a mobile phone disrupts the sacred ritual of American restaurant dining.
这是一种仪式。你会坐在分发精心设计的、体面的菜单的主人旁边，你一边享受着饮品，一边细细阅读皮革装订的晚餐目录。通常会有一个关于每个人都在想什么的非正式讨论。这时，服务员来了，他会向您致意并提出建议，然后为您点菜。他会围着桌子转，你可以告知服务员你的偏好等等，这一切都是体验的重要组成部分。用手机点菜破坏了美国餐厅用餐的神圣仪式。
这是一种仪式。你会坐在分发精心设计的、体面的菜单的主人旁边，你一边享受着饮品，一边细细阅读皮革装订的晚餐目录。通常会有一个关于每个人都在想什么的非正式讨论。这时，服务员来了，他会向您致意并提出建议，然后为您点菜。他会围着桌子转，你可以告知服务员你的偏好等等，这一切都是体验的重要组成部分。用手机点菜破坏了美国餐厅用餐的神圣仪式。
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Howard Galt
, My Grandmother Was a Chef
Q.R. Codes have a “mark of the beast” connotation that is off putting to a lot of American consumers. There is also a fairly large portion of people who do not use credit/debit cards for the same reason. It was even people more in the past, which is why credit/debit cards did not catch on as fast in the United States as they did in Europe.
Holy Bible— Revelation 13:16–18
16 Also it causes all, both small and great, both rich and poor, both free and slave, to be marked on the right hand or the forehead, 17 so that no one can buy or sell unless he has the mark, that is, the name of the beast or the number of its name.
二维码有“野兽标志”（mark of the beast）的含义，这让很多美国消费者感到不快。美国还有相当大一部分人出于同样的原因不使用信用卡/借记卡，在过去这样的人甚至更多，这就是为什么信用卡/借记卡在美国没有在欧洲流行得那么快的原因。
圣经-启示录13:16-18
16-又叫众人，无论大小，贫富，自由的，为奴的，都在右手或额上做记号，17-这样，除非有记号，即恶魔之名或兽名的编号，否则任何人都不能买卖。
Howard Galt
, My Grandmother Was a Chef
Q.R. Codes have a “mark of the beast” connotation that is off putting to a lot of American consumers. There is also a fairly large portion of people who do not use credit/debit cards for the same reason. It was even people more in the past, which is why credit/debit cards did not catch on as fast in the United States as they did in Europe.
Holy Bible— Revelation 13:16–18
16 Also it causes all, both small and great, both rich and poor, both free and slave, to be marked on the right hand or the forehead, 17 so that no one can buy or sell unless he has the mark, that is, the name of the beast or the number of its name.
二维码有“野兽标志”（mark of the beast）的含义，这让很多美国消费者感到不快。美国还有相当大一部分人出于同样的原因不使用信用卡/借记卡，在过去这样的人甚至更多，这就是为什么信用卡/借记卡在美国没有在欧洲流行得那么快的原因。
圣经-启示录13:16-18
16-又叫众人，无论大小，贫富，自由的，为奴的，都在右手或额上做记号，17-这样，除非有记号，即恶魔之名或兽名的编号，否则任何人都不能买卖。
I don’t use Q.R. codes myself because they don’t work properly on my phone half the time. You have to have just the right lighting, camera angle, etc. or forget it. Nothing like being in a dimly lit restaurant or club and using your flash just to download a menu.
我自己不使用二维码，因为它们在我的手机上有一半的时间无法正常工作。您必须拥有恰到好处的照明、相机角度等，否则就忘了它吧。没有什么比在灯光昏暗的餐厅或俱乐部里使用闪光灯下载菜单更有趣的了。
我自己不使用二维码，因为它们在我的手机上有一半的时间无法正常工作。您必须拥有恰到好处的照明、相机角度等，否则就忘了它吧。没有什么比在灯光昏暗的餐厅或俱乐部里使用闪光灯下载菜单更有趣的了。
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Paul Denlinger
, Have lived in China, Taiwan and Hong Kong; fluent in Mandarin (written, spoken)，Lives in Huntington Beach, CA
US payment systems are based mainly either on cash or credit cards.
The credit card payment infrastructure rolled out in the US in the 60s and 70s, and the Visa and Mastercard consortiums pushed for their adoption among retail stores and dining areas. In addition, they were very strong at lobbying the US government for support.
In the US, government lobbying usually means having Congress passing legislation which effectively turned businesses into monopolies. This meant that there has been very little incentive in the US for modernization of payment and payment gateways because if Visa, Mastercard oppose them through the banks and Congress, it is almost impossible for anyone new to break through and gain market share.
美国的支付系统主要基于现金或信用卡。
美国的信用卡支付基础设施于上世纪60年代和70年代推出，Visa和万事达财团推动了信用卡在零售店和餐饮区的采用。此外，它们还非常擅长游说美国政府支持它们。
在美国，政府游说通常意味着国会通过立法，有效地将企业变成垄断企业。这意味着在美国，几乎没有什么动力去推动支付和支付网关的现代化，因为如果Visa、万事达通过银行和国会反对它们，任何新加入者几乎不可能有所突破并获得市场份额。
Paul Denlinger
, Have lived in China, Taiwan and Hong Kong; fluent in Mandarin (written, spoken)，Lives in Huntington Beach, CA
US payment systems are based mainly either on cash or credit cards.
The credit card payment infrastructure rolled out in the US in the 60s and 70s, and the Visa and Mastercard consortiums pushed for their adoption among retail stores and dining areas. In addition, they were very strong at lobbying the US government for support.
In the US, government lobbying usually means having Congress passing legislation which effectively turned businesses into monopolies. This meant that there has been very little incentive in the US for modernization of payment and payment gateways because if Visa, Mastercard oppose them through the banks and Congress, it is almost impossible for anyone new to break through and gain market share.
美国的支付系统主要基于现金或信用卡。
美国的信用卡支付基础设施于上世纪60年代和70年代推出，Visa和万事达财团推动了信用卡在零售店和餐饮区的采用。此外，它们还非常擅长游说美国政府支持它们。
在美国，政府游说通常意味着国会通过立法，有效地将企业变成垄断企业。这意味着在美国，几乎没有什么动力去推动支付和支付网关的现代化，因为如果Visa、万事达通过银行和国会反对它们，任何新加入者几乎不可能有所突破并获得市场份额。
The situation in China was very different. The leading banks are state-owned and moved slowly to the point that many Chinese were unhappy with their service. Alibaba saw an opportunity to make an infrastructure leap by skipping credit cards, and offering a virtual payment system using QR codes. QR codes had been developed by Fujitsu in 1994 mainly for tracking inventory during manufacture.
中国的情况则大不相同。其主要的银行都是国有的，而且行动缓慢，以至于许多中国人对他们的服务不满意。阿里巴巴看到了一个通过跳过信用卡、提供使用二维码的虚拟支付系统实现基础设施飞跃的机会。1994年，富士通开发了二维码，主要用于在生产过程中跟踪库存。
中国的情况则大不相同。其主要的银行都是国有的，而且行动缓慢，以至于许多中国人对他们的服务不满意。阿里巴巴看到了一个通过跳过信用卡、提供使用二维码的虚拟支付系统实现基础设施飞跃的机会。1994年，富士通开发了二维码，主要用于在生产过程中跟踪库存。
Alibaba’s Alipay made the genius connection between mobile phone cameras and QR codes, and saw them as a mobile payment method which would be completely digital and offer security to users. Because China had been modernizing and changing so quickly, Chinese users were quick to make the change and adopt QR codes. Chinese were used to and supported rapid tech change.
阿里巴巴的支付宝在手机摄像头和二维码之间建立了天才般的连接，并将其视为一种完全数字化的，能够为用户提供安全保障的移动支付方式。由于中国的现代化和变化如此之快，中国用户很快做出了改变并采用了二维码。中国人习惯并支持快速的技术变革。
阿里巴巴的支付宝在手机摄像头和二维码之间建立了天才般的连接，并将其视为一种完全数字化的，能够为用户提供安全保障的移动支付方式。由于中国的现代化和变化如此之快，中国用户很快做出了改变并采用了二维码。中国人习惯并支持快速的技术变革。
Unlike the US, the Chinese government was anxious to adopt new technologies which would help China to modernize. For this reason, the Chinese government supported the development of QR codes for payment.
WeChat was launched in 2011, and WeChat Wallet in 2014. WeChat Wallet also used QR codes; this is why Chinese usually have both an Alipay QR code and a WeChat QR code to rec
eive payments. In a very short period of several years, China has gone virtually cashless.
与美国不同，中国政府急于采用有助于中国现代化的新技术。因此，中国政府支持开发用于支付的二维码。
腾讯于2011年推出微信，2014年推出微信钱包。微信钱包也使用二维码，这就是为什么中国人通常同时使用支付宝二维码和微信二维码来接收付款。在短短几年内，中国几乎实现了无现金化。
WeChat was launched in 2011, and WeChat Wallet in 2014. WeChat Wallet also used QR codes; this is why Chinese usually have both an Alipay QR code and a WeChat QR code to rec
eive payments. In a very short period of several years, China has gone virtually cashless.
与美国不同，中国政府急于采用有助于中国现代化的新技术。因此，中国政府支持开发用于支付的二维码。
腾讯于2011年推出微信，2014年推出微信钱包。微信钱包也使用二维码，这就是为什么中国人通常同时使用支付宝二维码和微信二维码来接收付款。在短短几年内，中国几乎实现了无现金化。
In the US, the credit card monopoly and payment service providers are largely protected by Congressional legislation; this is how business monopolies protect their own interests. The flip side of this is that it also prevents the US from modernizing as quickly as China has.
This delay in infrastructure modernization is the reason for why American restaurants have been slow to introduce QR codes for payment. There is little demand, except for some visiting Chinese tourists, since most Americans use credit and debit cards.
而在美国，信用卡垄断和支付服务提供商在很大程度上受到了国会立法的保护，这就是垄断企业保护自身利益的方式。另一方面，这也阻碍了美国像中国一样迅速实现支付现代化。
基础设施现代化的延迟是美国餐馆迟迟不推出二维码付款的原因。由于大多数美国人使用信用卡和借记卡，因此除了一些到访的中国游客外，几乎没有什么需求。
This delay in infrastructure modernization is the reason for why American restaurants have been slow to introduce QR codes for payment. There is little demand, except for some visiting Chinese tourists, since most Americans use credit and debit cards.
而在美国，信用卡垄断和支付服务提供商在很大程度上受到了国会立法的保护，这就是垄断企业保护自身利益的方式。另一方面，这也阻碍了美国像中国一样迅速实现支付现代化。
基础设施现代化的延迟是美国餐馆迟迟不推出二维码付款的原因。由于大多数美国人使用信用卡和借记卡，因此除了一些到访的中国游客外，几乎没有什么需求。
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Wasut Pornpatcharapong
QR payment is a phenomenon in many developing countries as well, as not a lot of people have credit cards, so banks can bypass legacy infrastructures and try something new. This also helps small vendors to adapt with negligible cost.
Living in Thailand, I never have more than THB100 in real cash. I pay everything even small street vendors using QR payment. For some shops that accept cards, there are also middlemen akin to Alipay or WeChat pay that bind my credit card with their platforms, so the KYC was already done through their apps. The actual card payment is also QR code based and really quick.
二维码支付在许多发展中国家也成了一种现象，因为那里没有多少人拥有信用卡，所以银行可以绕过传统的基础设施，尝试新的东西。这也有助于小供应商以微不足道的成本进行适应。
我生活在泰国，我手里的现金从未超过100泰铢。我用二维码支付所有的东西，甚至是小贩售卖的东西。对于一些接受信用卡的商店，那里也有类似于支付宝或微信支付的中间商将我的信用卡绑定到他们的平台上，所以KYC（对客户身份进行的验证）已经通过他们的应用程序完成了。实际的卡支付也是基于二维码的，而且非常快速。
Wasut Pornpatcharapong
QR payment is a phenomenon in many developing countries as well, as not a lot of people have credit cards, so banks can bypass legacy infrastructures and try something new. This also helps small vendors to adapt with negligible cost.
Living in Thailand, I never have more than THB100 in real cash. I pay everything even small street vendors using QR payment. For some shops that accept cards, there are also middlemen akin to Alipay or WeChat pay that bind my credit card with their platforms, so the KYC was already done through their apps. The actual card payment is also QR code based and really quick.
二维码支付在许多发展中国家也成了一种现象，因为那里没有多少人拥有信用卡，所以银行可以绕过传统的基础设施，尝试新的东西。这也有助于小供应商以微不足道的成本进行适应。
我生活在泰国，我手里的现金从未超过100泰铢。我用二维码支付所有的东西，甚至是小贩售卖的东西。对于一些接受信用卡的商店，那里也有类似于支付宝或微信支付的中间商将我的信用卡绑定到他们的平台上，所以KYC（对客户身份进行的验证）已经通过他们的应用程序完成了。实际的卡支付也是基于二维码的，而且非常快速。
I left the US for a couple of years already but in Southern California, big stores at least accept Apple Pay or Google Pay but it wasn’t that widespread but the adoption rate should be slower as their entire ecosystem heavily depends on credit card infrastructure. There’s also another problems for cash only stores (mostly ethnic restaurants and grocery stores) that won’t accept anything other than cash, but I can understand why they do that (to avoid the almighty IRS of course).
我离开美国已经有几年了，在南加州，大型商店至少接受Apple Pay或Google Pay，但这并不是很普遍，采用率应该会更低，因为它们的整个生态系统严重依赖信用卡基础设施。对于只收现金的商店（主要是民族风味的餐馆和杂货店），还存在另一个问题，它们除了现金之外什么都不收，但我能理解它们为什么这么做（当然是为了避开万能的国税局）。
我离开美国已经有几年了，在南加州，大型商店至少接受Apple Pay或Google Pay，但这并不是很普遍，采用率应该会更低，因为它们的整个生态系统严重依赖信用卡基础设施。对于只收现金的商店（主要是民族风味的餐馆和杂货店），还存在另一个问题，它们除了现金之外什么都不收，但我能理解它们为什么这么做（当然是为了避开万能的国税局）。
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Mike Wu
-Same for Singapore and many more “developed” places. Yes, entrenched vested interests can be stifiling to new concepts and technologies.
新加坡和许多更“发达”的地方也是如此。是的，根深蒂固的既得利益可能会扼杀新概念和新技术。
Mike Wu
-Same for Singapore and many more “developed” places. Yes, entrenched vested interests can be stifiling to new concepts and technologies.
新加坡和许多更“发达”的地方也是如此。是的，根深蒂固的既得利益可能会扼杀新概念和新技术。
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Kelvin Lee （李维山）
Kelvin Lee （李维山）
Malaysia urban area POS(point of sale) systems are integrated with multiple systems driven by user demand. So Credit Card, QR pays and finally cash.
It's quite bizarre in some cases where you could drive into an interior area, find a wooden shack of a restaurant discover people accepting QR pay like alipay or WeChat pay here.
马来西亚市区的POS（销售点）系统集成了用户需求的多个系统，所以那里可以使用信用卡，二维码支付，以及现金。
在某些情况下，你可以开车进入一个内部区域，在那里你会发现人们可以接受支付宝或微信支付等二维码支付，这是非常奇怪的。
It's quite bizarre in some cases where you could drive into an interior area, find a wooden shack of a restaurant discover people accepting QR pay like alipay or WeChat pay here.
马来西亚市区的POS（销售点）系统集成了用户需求的多个系统，所以那里可以使用信用卡，二维码支付，以及现金。
在某些情况下，你可以开车进入一个内部区域，在那里你会发现人们可以接受支付宝或微信支付等二维码支付，这是非常奇怪的。
The friction to apply for these system is low, they need to have a mobile phone with camera, and the payment system app to accept such payment.
Given that not everyone has a bank account, the wallet provided by QR systems further reduces friction from users utilizing such a system.
申请这些系统的阻力很小，你只需要一部带摄像头的手机，以及支付系统应用程序来接受此类支付即可。
由于并非每个人都有银行账户，所以二维码系统提供的钱包进一步减少了用户使用该系统时产生的阻力。
Given that not everyone has a bank account, the wallet provided by QR systems further reduces friction from users utilizing such a system.
申请这些系统的阻力很小，你只需要一部带摄像头的手机，以及支付系统应用程序来接受此类支付即可。
由于并非每个人都有银行账户，所以二维码系统提供的钱包进一步减少了用户使用该系统时产生的阻力。
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Rohit
Similar for India too - a lot of merchants don't accept cards, but they definitely do have a QR code for UPI (mobile payments) stuck on their wall - even roadside vendors use it too, since it currently has 0% transaction fee. Some people still do prefer cards since phone based systems assume that you have a smartphone, your smartphone needs internet, and it's sometimes more of a hassle than handing your card, but mobile payments are a pretty big part of the pie.
印度也是如此——许多商家不接受银行卡，但他们的墙上肯定贴着UPI（移动支付）的二维码——甚至路边的小贩也使用二维码，因为它目前的交易费用为0%。有些人仍然更喜欢信用卡，因为基于手机的支付系统会假定你拥有一部能够联网的智能手机，有时这比使用信用卡更麻烦，但移动支付在所有支付手段里占了相当大的一部分。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Rohit
Similar for India too - a lot of merchants don't accept cards, but they definitely do have a QR code for UPI (mobile payments) stuck on their wall - even roadside vendors use it too, since it currently has 0% transaction fee. Some people still do prefer cards since phone based systems assume that you have a smartphone, your smartphone needs internet, and it's sometimes more of a hassle than handing your card, but mobile payments are a pretty big part of the pie.
印度也是如此——许多商家不接受银行卡，但他们的墙上肯定贴着UPI（移动支付）的二维码——甚至路边的小贩也使用二维码，因为它目前的交易费用为0%。有些人仍然更喜欢信用卡，因为基于手机的支付系统会假定你拥有一部能够联网的智能手机，有时这比使用信用卡更麻烦，但移动支付在所有支付手段里占了相当大的一部分。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
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Metin Ersin Arıcan
Is using QR code really faster? I don't think so. I think the fastest method is using NFC.
使用二维码真的更快吗？我不这么认为。我认为最快的方法是使用NFC。
Metin Ersin Arıcan
Is using QR code really faster? I don't think so. I think the fastest method is using NFC.
使用二维码真的更快吗？我不这么认为。我认为最快的方法是使用NFC。
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Bo Peng
In the restaurants I went to QR codes were printed on tables and everyone can pay at any time. Street performers had QR codes on the ground. The entire concept of POS is so outdated.
The credit companies fiercely defend their systems by saying credit cards are safer AND they have to charge you more to fight credit card fraud. Yeah, I totally buy that argument.
在我去的餐馆里，二维码印在桌子上，每个人都可以随时付款。街头表演者在地上有二维码。POS（销售点）的整个概念已经过时了。
信用卡公司通过说信用卡更安全并且必须向您收取更多费用以打击信用卡欺诈，从而为他们的系统进行激烈的辩护。是的，我完全相信这种说法。
Bo Peng
In the restaurants I went to QR codes were printed on tables and everyone can pay at any time. Street performers had QR codes on the ground. The entire concept of POS is so outdated.
The credit companies fiercely defend their systems by saying credit cards are safer AND they have to charge you more to fight credit card fraud. Yeah, I totally buy that argument.
在我去的餐馆里，二维码印在桌子上，每个人都可以随时付款。街头表演者在地上有二维码。POS（销售点）的整个概念已经过时了。
信用卡公司通过说信用卡更安全并且必须向您收取更多费用以打击信用卡欺诈，从而为他们的系统进行激烈的辩护。是的，我完全相信这种说法。
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Min Yan
NFC requires dedicated machine. QR code transaction can be done as long as you have mobile phone and internet connection. The upcoming new digital Chinese money does not even require internet connection.
NFC需要专用的机器。而只要您有和互联网连接的手机，就可以进行二维码交易。中国即将推出的新数字货币甚至不需要互联网连接。
Min Yan
NFC requires dedicated machine. QR code transaction can be done as long as you have mobile phone and internet connection. The upcoming new digital Chinese money does not even require internet connection.
NFC需要专用的机器。而只要您有和互联网连接的手机，就可以进行二维码交易。中国即将推出的新数字货币甚至不需要互联网连接。
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Bill Chen
I think this is about scanning qr codes for ordering food off a menu on the phone. This was popularized during covid to reduce staff cost and improve hygiene (no menu sharing).
我认为他说的是扫描二维码以从手机菜单上订购食物相关的事情，这在新冠肺炎期间得到了普及，以减少员工成本和改善卫生状况（无菜单共享）。
Bill Chen
I think this is about scanning qr codes for ordering food off a menu on the phone. This was popularized during covid to reduce staff cost and improve hygiene (no menu sharing).
我认为他说的是扫描二维码以从手机菜单上订购食物相关的事情，这在新冠肺炎期间得到了普及，以减少员工成本和改善卫生状况（无菜单共享）。
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Bo Peng
Payment systems, like distribution systems, sit between production and consumption. The modernization of payment infrastructure, just like the modernization of distribution systems (roads, railways, robotic sorting centers, etc), reduces costs and boosts the economy. Using QR codes on average saves Chinese merchants nearly 2% processing fees compared to credit cards, which is why the acceptance rate of credit cards in China has been in decline after it peaked at around 45% in 2017.
支付系统，如分销系统，介于生产和消费之间。支付基础设施的现代化，就像配送系统（公路、铁路、机器人分拣中心等）的现代化一样，可以降低成本并促进经济发展。与信用卡相比，使用二维码平均可为中国商户节省近2%的手续费，这就是为什么中国的信用卡受理率在2017年达到约45%的峰值后一直在下降的原因。
Bo Peng
Payment systems, like distribution systems, sit between production and consumption. The modernization of payment infrastructure, just like the modernization of distribution systems (roads, railways, robotic sorting centers, etc), reduces costs and boosts the economy. Using QR codes on average saves Chinese merchants nearly 2% processing fees compared to credit cards, which is why the acceptance rate of credit cards in China has been in decline after it peaked at around 45% in 2017.
支付系统，如分销系统，介于生产和消费之间。支付基础设施的现代化，就像配送系统（公路、铁路、机器人分拣中心等）的现代化一样，可以降低成本并促进经济发展。与信用卡相比，使用二维码平均可为中国商户节省近2%的手续费，这就是为什么中国的信用卡受理率在2017年达到约45%的峰值后一直在下降的原因。
This does not count the saving of labor costs. For example, typical street food stalls in China used to be operated by husband and wife duos when the husband prepared food and the wife handled payments. Nowadays they are typically operated by one person, with customers all paying by themselves through QR codes. Similarly, many, if not most restaurants no longer have dedicated cashiers since most customers just pay by themselves before leaving.
这还不包括节省的劳动力成本。例如，典型的中国街头小吃摊过去由丈夫和妻子两人经营，丈夫做饭，妻子收款。如今，它们通常由一个人操作，客户都通过二维码自行付款。同样，许多餐馆（如果不是大多数的话）也不再有专职的收银员，因为大多数顾客只需自己付钱就可以离开。
这还不包括节省的劳动力成本。例如，典型的中国街头小吃摊过去由丈夫和妻子两人经营，丈夫做饭，妻子收款。如今，它们通常由一个人操作，客户都通过二维码自行付款。同样，许多餐馆（如果不是大多数的话）也不再有专职的收银员，因为大多数顾客只需自己付钱就可以离开。
Some may say that they are willingly paying for the services that credit cards provide, and for securing jobs for waitresses and cashiers. This is more or less ok in a closed economy, but will not fare well in the presence of competitions. The impact of less efficient payment systems may be less obvious than bumpy roads or slow port turnaround time but are just as damaging as those to America’s global competitiveness.
有些人可能会说，他们愿意为信用卡提供的服务买单，也愿意为服务员和收银员的工作买单。这在封闭的经济中或多或少是可以接受的，但在存在竞争的情况下不会表现得很好。支付系统效率低下的影响可能不如崎岖的道路或缓慢的港口周转时间那么明显，但对美国的全球竞争力的破坏一样大。
有些人可能会说，他们愿意为信用卡提供的服务买单，也愿意为服务员和收银员的工作买单。这在封闭的经济中或多或少是可以接受的，但在存在竞争的情况下不会表现得很好。支付系统效率低下的影响可能不如崎岖的道路或缓慢的港口周转时间那么明显，但对美国的全球竞争力的破坏一样大。
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