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1、Unit 7,Text A Visa Card,Text B Data Security,Text A: Visa Card,The Visa International company, based in Foster City, near San Francisco, California, USA, is the worlds largest credit card and consumer payment system. Visa is collectively owned by a membership of more than 21,000 financial institutio
2、ns around the world. These institutions make Visa cards, and each establishes the terms offered to consumers, such as the rates and fees. Visa traces its roots to 1958, when Bank of America, based in San Francisco, made the BankAmericard. At the time, the BankAmericard offered cardholders credit pri
3、vileges, allowing them to borrow money on credit and pay off the balance over a longer period of time. Bank of America licensed the card throughout California and, eventually, in other states as well. In 1970, Dee Ward Hock created the National BankAmericard Inc. (NBI). In 1974, Hock formed IBANCO,
4、which took over the administration of BankAmericards foreign operations. In 1977, Hock changed the name of the BankAmericard to the Visa card. NBI became Visa U.S.A. and IBANCO became Visa International. Visa International and Visa U.S.A. share corporate headquarters in Foster City.,课文,In 1977, Visa
5、 held 40 percent of the bankcard business, compared with 60 percent for MasterCard. By 1983, Visa had become the leading U.S. credit card. Credit-card use grew dramatically in the 1980s, giving Visa the controlling position in the market. Visa had 56 million cardholders worldwide in 1979, but that f
6、igure rose to 220 million ten years later. Credit-card use continued to grow in the 1990s as businesses, ranging from supermarkets to health care providers, began accepting payment with cards. Visa also offered airline discounts as rewards for using its card. The number of Visa cards worldwide incre
7、ased from 255 million in 1990 to more than one billion in 2000. Of the more than 1.6 trillion in worldwide credit-card transactions in 1996, 55.8 percent used a Visa card, thus making it the world leader in the credit-card industry.,For over 30 years, Visa and its predecessor BankAmericard have chan
8、ged the way the world pays. Nowadays, it is difficult to imagine life without the convenience of Visa card, waiting in long lines at check-outs as people write cheques, running out of cash over the weekend, shop owners waiting weeks for cheques to clear and, the anxiety of international travel. Visa
9、 connects cardholders, merchants and financial institutions through the worlds largest electronic payments network. The Visa vision for the future of payments is a world where buyers and sellers can conduct commerce anywhere, anytime, and in any way they choose. This might be in a shop or over the p
10、hone, even with the phone itself. It might involve using a Visa smart card or a handheld device. It could be carried out while sitting on a couch watching TV or sitting on a train when commuting to work. In this vision, consumers have many choices when it comes to payment. They can pay now, pay late
11、r, or pre-pay, enabling them to select the method that best fits their needs. Today Visa and the Visa brand are widely recognized as one of the most significant innovations of the 20th century. Visa has earned its place in the minds and wallets of people around the world. (527 words),New Words colle
12、ctively ad. 全体地, 共同地 financial a. 金融的, 财政的 establish v. 制订（规则），规定 rate n. 比率 fee n. 手续费 privilege n. 特权, 特别待遇 balance n. 账单；结算 license vt. 许可, 特许 administration n. 管理, 经营 operation n. 公司；业务 corporate a. 共同的 headquarters n. 总部 dramatically ad. 显著地 discount n. 折扣,生词,billion num. 十亿 trillion num. 万亿 *t
13、ransaction n. 交易 * predecessor n. 前身; 前任; 前辈 cheque n. 支票 anxiety n. 忧虑, 焦急 electronic a. 电子的 vision n. 设想;远见 commerce n. 商业 commute v. 定期往返于两地间 select vt. 选择, 挑选 * innovation n. 改革, 创新,Phrases and Expressions based in 位于，坐落在 at the time 当时, 在那个时候 pay off 还清，全部偿还 take over 接收, 接管 compared with 与相比较
14、more than 超过 run out of 用完 carry out 完成, 实现, 执行 come to 涉及到，说到 Names Visa card 维萨（一般不译出）信用卡 San Francisco 旧金山（美国加利福尼亚州西部港市） California 加利福尼亚 Bank of America 美国银行 Dee Ward Hock 迪沃德霍克,1Visa International Service Association Visa国际组织 Visa国际组织是一个由全球21000多家金融机构会员所组成的非股份、非盈利性国际银行卡组织。也是目前世界上最大的信用卡和旅行支票组织，拥有Visa、Electron、Interlink
