Google is onto something by integrating loyalty functionality into its wallet, but the overall product still falls short.

谷歌一直在把会员功能整合到它的钱包中，但是总体产品仍然不符合标准。

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Google Wallet works only with phones with an NFC (near field communication) chip, which allows secure digital transactions over a short distance.

谷歌钱包只能在内嵌了近场通讯(NFC)芯片的手机上使用，这种芯片能在一个较小范围内实现安全的电子支付。

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But while that priority shift eventually creates more stable finances, in the short term, it puts a squeeze on your wallet.

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