大多数人没有智能卡读卡机。
他的第二次创业是Square，这是一项手机支付服务，可以替代传统的信用卡读卡机设备、商业银行账户和办公电脑。
His new venture is Square, a mobile payment service that replaces the traditional payment apparatus of credit card reader machines, merchant bank accounts and back-office computers.
但智能卡及其读卡机已变得非常廉价，并且现在多数消费者都拥有手机。
But smart CARDS and readers have become cheap and consumers now possess mobile phones in droves.
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