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2019年07月24日 02:12:47    日报  参与评论()人

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长春市公交医院官网Apple appears poised to change the way Americans pay for stuff. Or at least, it will try.苹果(Apple)似乎要改变美国人的付方式了。或者至少,他们准备尝试一下。Sources confirm several reports that the iPhone 6, expected to be introduced on Tuesday, will include technology that will turn the device into a mobile wallet that could be used to pay for items at retail stores. Apple’s mobile wallet will be based on NFC, or near field communications, a technology that uses radio communications to transmit data and that works in a growing number of point-of-sale systems. The iPhone’s Touch ID fingerprint scanner will be used to authenticate users, and Apple AAPL -0.83% has teamed up with credit card companies to make the service broadly useful, the sources, who agreed to speak on condition of anonymity, said.消息源确认了iPhone 6将包含一项新技术,可以将移动设备作为钱包使用,从而在商店购买物品。这项移动钱包技术将采用NFC,也就是利用无线电来发射数据的近场通信技术(near field communications)。该技术已被越来越多的销售终端系统所采用。匿名消息源表示,iPhone将采用Touch ID指纹扫描来鉴别用户身份,苹果也将与信用卡公司合作,扩大这项务的应用范围。An Apple spokeswoman declined to comment.苹果的一位女发言人拒绝对此发表。Apple, which aly has payment credentials for some 800 million people globally through iTunes accounts, has long been expected to make a bid to dominate mobile payments.苹果通过iTunes账户,已经获得了全球范围内大约8亿用户的付授权。公司要争取主宰移动付领域,这也早在人们预料之中。While Apple’s move is certain to shake up the mobile wallet market, the company’s success is far from guaranteed. And it comes at a time when the utility of digital wallets is being called into question, even as other forms of mobile payments are taking off.尽管苹果此举必然会引起移动钱包市场的震动,但苹果能否成功却远未确定。数字钱包的实用性究竟如何尚存疑问,而其他移动付手段也正在逐渐兴起。Indeed, there is no longer a mobile payments market, but rather, several mobile payments markets.确实,这不是一个移动付市场,而是好几个移动付市场。Mobile wallets, which were expected to take the world by storm, have languished in the past few years. Giants like Google, PayPal, wireless carriers, and major retail chains, as well as promising startups like Square, have all struggled to make wallets popular. After years of effort, just .1 billion in purchases came from mobile wallets last year, according to Javelin Strategy, a research firm. That’s just a tiny fraction of the roughly .5 trillion in annual retail payments in the ed States.本以为将如风暴般席卷全球的移动钱包,在过去几年中可谓命途多舛。谷歌(Google)、贝宝(Paypal)等巨头、无线运营商、大型连锁店,以及Square等前途光明的初创公司,在推广移动钱包上都步履维艰。根据研究公司Javelin Strategy的数据,在多年的努力后,通过移动钱包完成的交易额在去年仅有31亿美元。相对于美国去年零售交易额的大约4.5万亿美元来说,这只是极小的一部分。The challenges have been myriad. Google’s Wallet has been hamstrung by the company’s inability to get enough partners—most notably merchants and credit card companies—on board. Google also struggled to overcome roadblocks put up by some wireless carriers, who were promoting the own rival wallet.这其中遭遇的挑战数不胜数。由于谷歌无法找到足够的合作伙伴——尤其是商家和信用卡公司,公司的钱包产品萎靡不振。谷歌还难以克某些无线运营商设置的障碍,后者也在推广自己的钱包类产品。That service, which is backed by Verizon, ATamp;T, and T-Mobile, struggled as well, first because it was plagued by delays, and later, because of its ill-fated name: Isis. After the emergence of the violent jihadist group in Iraq by the same name earlier this year, the carriers announced that they would ditch the brand. Just this week, CEO Mike Abbott announced that the service would be renamed Softcard.而由威瑞森通讯(Verizon)、美国电话电报公司(ATamp;T)和T-Mobile开发的钱包务也一样经历着困顿。起初是因为这项务一直跳票,随后又因为那个倒霉的名字:Isis。随着今年早些时候拥有同样名字的伊拉克暴力圣战组织兴起,运营商宣布他们准备放弃这个品牌名。就在这周,Isis的首席执行官迈克o阿尔伯特宣布这项务将更名为Softcard。Square, for its part, pulled its Wallet app in May, replacing it with Order, an app that allows users to order ahead and skip the line at local restaurants.而另一方面,Square在今年5月放弃了其钱包业务Wallet,推出了新产品Order,这项应用可以让顾客提前预定餐馆,免去了排队的烦恼。From a consumer standpoint, all these efforts suffered from the same pitfalls: acceptance at merchants was spotty and paying by phone was not necessarily more convenient than paying with plastic.从顾客的角度来看,这些努力都走入了同一个误区:并非所有商家都接受这种付方式,而用手机付也并没有比信用卡付更方便,这让它显得可有可无。Some analysts believe that Apple, with its market clout and experience designing consumer products, could change the dynamics. In particular, the inclusion of NFC technology in the iPhone, could encourage more merchants to upgrade their point-of-sale system so they can accept mobile payments from both iPhones and the growing number of Android phones that are also equipped with NFC.一些分析家相信,拥有强大市场影响力、拥有丰富的设计消费品经验的苹果能够改变这一现状。尤其是包含NFC技术的iPhone会促使更多的商家升级他们的销售终端系统,从而接受iPhone以及越来越多同样配有NFC技术的安卓(Android)手机的移动付。“Smartphones didn’t take off until Apple came in,” says Mary Monahan, research director for mobile at Javelin. “Tablets didn’t take off until Apple came in. A lot of people are hoping that this is a game changer.”Javelin的移动产品研究总监玛丽o莫纳汉表示:“智能手机在苹果加入后才开始高速发展,平板电脑也是在苹果加入后才广泛流行起来。许多人希望苹果能够化腐朽为神奇。”But recent publicity about hacking into Apple accounts of celebrities could pose a new obstacle for the company.但最近美国明星的苹果账户被黑事件传得沸沸扬扬,将会给苹果造成新的麻烦。“For this to work, Apple has to garner much more confidence in the security of what they offer,” says Tim Bajarin, a veteran Apple analyst with Creative Strategies.Creative Strategies的资深苹果分析师蒂姆o巴加林表示:“如果苹果要在移动付领域取得成功,就必须在安全性上获得比现在多得多的信任。”In the meantime, other parts of the mobile payment market are growing quickly. Javelin estimates consumers spend more than billion in “mobile commerce” last year. The category includes not only e-commerce purchases made with mobile phones or tablets, but also purchases of services like rides through apps like Uber and Lyft, deliveries of food and merchandise through apps like Postmates and Seamless GrubHub, and others. Those in-app payments have quickly become a multi-billion business dominated by companies like PayPal’s Braintree and Stripe, one of the hottest payment companies to emerge in recent years.与此同时,移动付市场的其他领域正在蓬勃发展。Javelin估计消费者去年在“移动商务”上花费了超过560亿美元。这不仅包括使用手机或平板电脑完成的网上购物,还包括通过应用购买务,如Uber和Lyft的打车务、Postmates和Seamless GrubHub的食物和商品快递等等。这些通过应用实现的消费已经很快形成了规模达数十亿美元的市场。贝宝的Braintree以及近年来最炙手可热的付公司Stripe成为了该领域中的领头羊。Finally, mobile person-to-person payments, which are enabled by banks and by companies like PayPal and Square, are also growing, though the total number of transactions remain small. It’s not clear whether the iPhone’s mobile wallet will enable these kinds of transactions.最后,由以及贝宝和Square等公司提供的个人对个人(p2p)移动付也在日渐成长,不过该领域的交易总额仍然较小。iPhone的移动钱包是否会持这类交易,目前尚不得而知。 /201409/327316长春哪个医院治疗宫颈糜烂最好 长春阳光无痛人流

梅河口儿童医院图片To understand why Google has just paid .2bn for a company that makes thermostats and smoke detectors, you need to look at some of its earlier attempts to invent the “smart home”.要弄明白谷歌(Google)为何刚刚斥资32亿美元收购了一家生产自动恒温器和烟雾报警器的公司,你有必要考察一下它早些时候在发明“智能家居”(smart home)方面所做的一些努力。These were more than simply object lessons in what not to do. Past efforts, though resulting in failure, highlight the range of Google’s capabilities – and why, following this week’s acquisition of Nest Labs, it looks to have taken a formidable lead in a tech market that has barely been invented yet.那些努力不仅仅是一些表明什么不该做的实例教训。尽管谷歌过去的努力未获成功,但它们却凸显出两点。第一点是谷歌的能力范围。第二点是为什么在上周收购了Nest实验室(Nest Labs)之后,谷歌似乎已在一个迄今几乎还未被创造出来的科技市场取得了难以撼动的领先地位。Google’s first attempt, five years ago, took the form of an internet service called PowerMeter. This was an online service for monitoring home energy use. It turned out that most people had better things to do than track their energy consumption on a website.五年前,谷歌的第一次努力表现为一个名为PowerMeter的互联网务。这是一个监控家里能源使用情况的在线务。不过事实明,大多数人还有更重要的事情要做,没工夫在网上跟踪家里的能源消耗情况。Next came a software platform known as Android@Home, which was aimed at other manufacturers that want to build the “smarts” into internet-connected objects for the home. The first of these products was meant to be an LED lightbulb that could be turned on using a smartphone app. The manufacturer abandoned the idea before it was launched.接着,谷歌推出了一个名为Android@Home的软件平台。这个平台针对的,是其他想在家居联网设备中嵌入“智能”的生产商。首个此类产品原本会是一个可用智能手机应用点亮的发光二极管(LED)灯泡。但生产商在推出这一产品前放弃了该创意。An internet service and a software platform were fine ideas as far as they went. The missing ingredient was a truly useful piece of intelligent hardware. Or, to be precise, an appealing, easy-to-use consumer product that bundled a desirable set of capabilities with an intuitive interface: software, hardware and online service working in concert to make life around the home better.就其本身而言,互联网务和软件平台都是不错的创意。缺失的元素是真正有用的智能硬件——或者确切地说,是有吸引力而又易于使用的消费产品。这种产品应该把一系列人们想要的功能用直观的界面包装起来:软件、硬件和在线务能协同工作,令家居生活更美好。So who better to turn to than Tony Fadell, whose claims to fame include being lead inventor of the iPod and founder of Nest? Apple’s music player was the gadget that launched the modern consumer hardware revolution. Pleasing in itself, the iPod would have been nothing without the software and online store that brought the digital music business to life.那么,还有谁是比托尼#8226;法代尔(Tony Fadell)更适合的整合人选呢?法代尔名气很大,他既是iPod的首席发明家,又是Nest的创始人。iPod是苹果(Apple)的音乐播放器,正是这款小型电子产品开启了现代消费类硬件的革命。不过,尽管iPod本身的样子很讨喜,但如果没有让数字音乐业务焕发生机的软件和在线商店,它可能什么都不是。Mr Fadell went on to embed his iPod lessons in Nest’s thermostat, right down to the wheel-like control for programming the unit. (Honeywell has fired off a legal challenge, claiming that the circular control unfairly copies one of its own inventions.)法代尔随后将他在iPod上取得的经验融入到Nest的自动恒温器中,就连后者的编程界面也沿用了前者的那种环状控制器。(不过,霍尼韦尔(Honeywell)发起了一项法律诉讼,称这种环状控制器剽窃了该公司的一项发明。)A Nest thermostat taps into online weather forecasts and information from its own sensors about a user’s movements to guess the best temperature to set.Nest的自动恒温器能利用在线天气预报和其自身传感器获取的用户移动信息,来推测应设定的最佳温度。This is where Google comes in. While it may take a product visionary such as Mr Fadell to come up with the idea, the device is nothing on its own. In an interview with the Financial Times, the Nest founder was forthright about what is involved: 80 per cent of the work behind his company’s products goes into building and running the infrastructure on which they depend.这正是用到谷歌的地方。尽管提出这一创意可能需要像法代尔这样对产品有远见的人,但这种设备单靠自身其实发挥不了什么作用。在接受英国《金融时报》采访时,这位Nest创始人坦率地谈到了需要做的工作:在该公司产品背后,80%的工作都是建设和运营其产品所依赖的基础设施。There are few better infrastructures to plug into than the one operated by Google. It is not just the scale of its data centres or the capacity of its broadband networks: the internet company could also be in a good position to turn data collected by Nest’s devices into valuable intelligence.就Nest产品所连接的基础设施而言,没有哪一家能比谷歌运营的设施更好。这不仅仅是因为谷歌数据中心的规模或其宽带网络的能力,还因为这家互联网企业能够轻易地将Nest设备收集的数据转化为极有价值的情报。In this it can bring two assets into play. One is Google’s own vast trove of data. Combining Nest’s data with information from its other services promises to give Google unrivalled insights into your preferences – not just the temperature you like to wake up to, but how long you linger over breakfast before heading to work and what route you take to get there.从这点来说,谷歌可盘活两大资产。其一是该公司自己拥有的海量数据库存。谷歌如果能将Nest的数据与自己旗下其他务获取的数据结合起来,将有望对用户的偏好形成最为透彻的认识——不仅能知道你醒来时喜欢的室温,还能知道你上班前会在早餐上消磨多长时间,以及你会走哪条路上班。The other important asset is the skills needed to make use of all this data, such as developing algorithms that will turn it into intelligence that can be used to inform useful services. If Google could anticipate when you were about to leave home in the morning, it could alert you to up-to-the-minute commuting conditions, and make sure your home was properly secured.另一个重要资产是对以上所有数据加以利用所必需的技能,比如研发算法的技能——这种算法可把数据转化为情报,通报给一些有实用价值的务。如果谷歌能预判出你早晨大约什么时候离开家,它就能向你提示精确到分钟的通勤状况,并确保你的住宅得到妥善保护。Privacy fears are certain to raise their head. But a smart home that truly understands and can respond to your needs might overcome those concerns. And if Google tried to use data from around the home to serve up even more relevant adverts, it would be part and parcel of the tacit compromise its users have long accepted.当然,这一定会引发隐私方面的担忧。不过,一个能够真正理解并响应你需求的智能家居系统,可能会让你把这种担忧放在一边。即使谷歌试图利用从你家中得到的数据向你展示更多相关广告,也不能算是突破了其用户长期以来已经接受的一种心照不宣的妥协。At least that is the theory. There is much to do to prove that it can work. Making smart household objects desirable will not be easy. Customers of Nest’s smoke alarms talk far less enthusiastically than those of its thermostats.至少从理论上说是如此。要明这种方式能够奏效,还有很多事情要做。生产人们喜欢的智能家居设备不会是件容易事。Nest烟雾报警器受到的追捧就比自动恒温器少得多。Google also has to show that it can make serious money as it moves deeper into hardware, where profit margins are lower. But if it can get all the parts of the smart home working together while also coming up with hit new gadgets, it may be hard to match.谷歌还必须明,随着它更深入地涉足硬件领域,它仍有能力赚取可观利润,毕竟硬件领域的利润率要低一些。不过,如果谷歌能在有效整合智能家居系统各种元素的同时推出令人印象深刻的新型电子产品,它将很难找到对手。 /201401/274433 双阳区哪家妇科医院好长春好的无痛人流需要多少钱长春

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