The primary benefit of this approach is that it doesn't have the same security concerns that have delayed the launch of mobile credit card based payment system Square.

这种方法的主要优势就在于不会遇到安全问题，而基于信用卡的支付系统Square则存在安全问题。

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But government plans to test a new universal credit - which combines several benefits into one payment - have been delayed.

BBC: Welfare system reforms are fair, says Iain Duncan Smith