Sophia got an e-mail asking for her credit card account number.

索菲亚收到一封向她索要信用卡账号的电子邮件。

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Basically any time someone USES a credit card, the issuing bank-the bank sponsoring that card-forwards the money to an account set up by the merchant specifically to accept credit card payments.

基本上，在任何时候，有人使用信用卡，那么发卡银行(这张卡的赞助银行)就会把这笔钱转到由商家指定的接收账户上。

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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。

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