This means they can also be used to authorise larger payments by entering PIN codes directly on the handset or topped up with stored credit from an online bank account without having to go to an ATM.

• 这些都意味着手机可以采用直接输入密码的方式进行更大规模的交易，还可以自网上银行为手机账户充值，而不必找自助取款机。