мошняга. 1 people in tourism
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that the production of smart cards was four times as costly as bank multifunction cards. Student 1 : What is a bank multi- fiinction card? Is it a card issued by the bank which authorizes the customer to withdraw cash, to pay at, say, a travel agency, a petrol station, a store or a res taurant. .. to use it for different functions? Student 2: Congratulations! Not too bad! You have hit the nail on the head! It can be used for different functions and there is no limit on each payment. The money will be just transferred from your bank account to the account of the payee. Student 1: Do these cards come under specific brand names? Student 2: They do. They are known as «Switch», «Connect» and «Delta». Student 1: When a customer pays... will the method of pay ment be displayed on the receipt he will get? Student 2: Oh, yes. The method of payment is always displayed идентификации. Благодаря этому новшеству расходы на финансовые операции были сокращены. Однако «Смарт кардз» небыли широко приняты рынком вначале. Было оценено, что производство «Смарткардз» было в четыре раза дороже, чем банковских многофункциональных карточек. Студент 1: Что такое банковская многофункциональная карточка Это карточка, выдаваемая банком, которая разрешает клиенту снимать наличные деньги, платить, скажем, в турагентстве, на заправочной станции, в магазине или ресторане. использовать ее для различных функций Студент 2: Поздравляю Совсем неплохо Ты попал В точку Она может использоваться для различных функций, и на каждый платеж нет ограничений. Деньги будут просто перечислены с твоего банковского счета насчет получателя. Студент 1: Эти карты имеют особые фирменные названия Студент 2: Да. Они известны как «Switch», «Connect» и «Delta». Студент 1: Когда клиент платит. .. будет ли средство платежа изображено на квитанции, которую он получит Студент 2: Ода. Средство платежа всегда изображено на 210 on receipts, air tickets, hotel bills, invoices... Student 1: Just as a matter of interest, what happens if you don't pay in cash but want to leave a tip? Student 2: To include or not to include a tip in the bill is at your discretion. If you pay by card, you tell the staff member how much more you want to include in the bill as a gratuity. If you pay by cheque, you make it out for the amount which will include your tip. Student 1: Are you in any posi tion to sum up all methods of payment which a payer can use nowadays? Student 2: I'll have a try. They are cash, personal cheques, trav eller's cheques, credit cards, charge cards, multifunction bank cards. Electronic Funds Transfer System. Probably soon multifunction smart cards will be used as telephone cards, medical records, tickets, pass ports, for shopping and banking at the same time. If you want to see how different methods of payment are accepted, come to see me at the restaurant one of these days. квитанциях, авиабилетах, гостиничных счетах, счетах- фактурах. Студент 1: Чисто ради интереса, что происходит, если тыне платишь наличными, но хочешь оставить чаевые Студент 2: Включать или не включать чаевые в счет - на твое усмотрение. Если ты платишь карточкой, ты говоришь работнику, насколько больше ТЫ хочешь включить В счет В качестве чаевых. Если ТЫ платишь чеком, ты выписываешь его на сумму, которая будет включать твои чаевые. Студент 1: Ты в состоянии обобщить все средства платежа, которыми может пользоваться плательщик в наши дни Студент 2: Попытаюсь. Это наличные, персональные чеки, дорожные чеки, кредитные карточки, расчетные карточки 1\|ногофункциональные банковские карточки, система электронных денежных переводов и многие другие. Вероятно, скоро многофункциональные «Смарткардз» будут использоваться как телефонные карты, медицинские карты, билеты, паспорта, для покупок и банковских операций одновременно. Если хочешь увидеть, как принимают К оплате разные платежные средства, загляни ко мне В ресторан на днях. 211 Student 1 : Wow! You are work ing at the restaurant! You ex celled at the travel agency. You succeeded at the hotel. Now you are perfecting your knowledge , and skills at the restaurant. You'll set the world on fire, I'm sure. I'm proud of you, I'm serious! Student 2: Nothing succeeds like success. Take my word for it. Студент 1: Ну Ты работаешь в ресторане Ты отличился в турагентстве. Ты преуспел в гостинице. Теперь ты совершенствуешь свои знания и умения в ресторане. Ты очень преуспеешь, я уверен. Я горжусь тобой, серьезно Студент 2: Успех влечет за собой новый успех. Поверь мне на слово. ACTIVE VOCABULARY additional advisory to authorize balance bank multifunction card to bear in nlind brand name card holder channel charge to charge charge card charge sales to collect commodity to concern, to be concerned confused to convince costly дополнительный консультационный, консультативный разрешать, санкционировать, уполномочивать, давать поручение баланс, сальдо, остаток на счету банковская многофункциональная карточка помнить, иметь ввиду фирменное название, торговая марка держатель карты канал оплата в кредит начислять расчетная карточка продажа в кредит собирать, принимать, взимать плату) продукт касаться (чего-либо), иметь отношение кВ замешательстве убеждать дорогой, дорогостоящий 212 credit card debt decade discretion to display Electronic Funds Transfer System to estimate to excel excessive fee to force gratuity to honour to increase to insert to install interest rate, interest to introduce to invent invoice to lose (lost, lost) medical record method of payment microchip novelty to obtain packaged payee payer to perfect personal cheque Personal Identification Number (PIN) petrol station кредитная карточка долг, задолженность десятилетие усмотрение, свобода действий показывать, демонстрировать, изображать система электронных денежных переводов оценивать, давать оценку, приблизительно подсчитывать отличаться, выделяться, превосходить чрезмерный, излишний взнос, сбор, пошлина вынуждать, заставлять чаевые признавать, принимать к оплате усиливать, увеличивать, расширять вставлять, вкладывать устанавливать процентная ставка, процент вводить, представлять изобретать счет-фактура, счет к оплате терять медицинская карта средство платежа микрочип, кристаллик с интегральной микросхемой новшество получать, приобретать комплексный, пакетированный, « В пакете получатель денег, платежа плательщик совершенствовать, улучшать персональный чек, чек, выданный отдельным лицом личный идентификационный номер автозаправочная станция 213 ifiiii I; 1 I \ I'll . I I • 2 PIN-code личный код to pioneer впервые вводить, пробно вводить to reduce сокращать, уменьшать to report to сообщать, докладывать specific особый, определенный, конкретный statement ведомость, выписка счета to steal (stole, stolen) воровать, красть stripe полоса to succeed преуспеть success успех to sum up суммировать, обобщать transaction финансовая операция, сделка to transfer переводить, перечислять(день ги) traveller's cheque дорожный чек to type печатать, набирать (код, номер) нажатием кнопок valid действительный to validate подтвердить, сделать действительным to withdraw (withdrew. снимать (со счета) withdrawn) SUBSTITUTION DRILL Practise: 1. You promised to keep in touch. made a promise gave a promise gave your word pledged your word swore affirmed 2. At work you were often concerned with payments, weren't you? plastic money credit cards charge cards personal cheques traveller's cheques 214 invoices 3.1 was supposed to take payments for the tours I sold, to accept payments to collect money to accept credit cards and cheques to settle payments to make out vouchers to give vouchers and receipts 4.1 remember I was always confused when in a shop abroad I w a s asked « H o w are y o u paying?» I had to use my credit card I had to withdraw cash I had to use a cash dispenser I was supposed to accept cards I was supposed to deal with cards I was asked to deal with payments 5.1 was in doubt what I was supposed to answer. to say to do to reply to undertake to explain to ask 6. We are used to paying in cash. travelling abroad holiday-making having bank accounts paying by credit cards . paying by charge cards paying by cheques 7. Customers nowadays prefer charge sales to cash sales. plastic money to cash plastic money to paper money electronic payments to cash paying by cards to paying in cash paying by cheques to paying in cash paying by smartcards to using other methods 8. Electronic payments are on the rise, you know. methods of payment are banking is transactions are sales are 215 cards are Funds Transfer System is 9. More and more companies will be obliged to accept cards as a method of payment. plastic cards credit cards charge cards bank multifunction cards smartcards plastic money 10. They will be forced to establish relationships with credit or- ganizations. to establish relations to establish links to fix relationships to form partnerships to set up business contacts to create partnership relations 11. Obviously, I'm not in the picture. Evidently Probably Clearly Apparently Definitely Certainly 12. Credit cards and charge cards make little difference to me. make no difference look alike seem alike are similar look similar seem the same 13. It just seems to you at first sight. at the first glance at first at the start at the beginning at the very begiiming at the moment 14. To your credit, I must admit that you are a prof in finance. must say must agree 216 must acknowledge am of the opinion am absolutely sure am absolutely certain 15.1 don't understand the advantages of cards to the full extent, realize know see feel catch grasp 16. You have to bear in mind that a credit card is a packaged com- modity. a charge card a bank multifunction card a smartcard a plastic card plastic money a Eurocard 17. But what will happen if my card is lost or stolen? is blocked is damaged is defaced is spoilt expires has no signature 18. First and foremost you will have to report to your credit organi- zation. credit company credit card company card issuing company bank card issuing bank nearest police station 19. Do you think this system will soon replace all other methods of p a y m e n t ? all other transactions other financial transactions payments by cheques payments by cash and cheques all payments in paper money payments in other plastic money 217 20. What seemed to be the advantage? benefit gain strong point disadvantage "drawback hindrance 21. Do these cards come under specific names? under different names under various names in specific sizes in different types for various functions for different purposes 22. T o include or not to include a tip in the bill is at your discretion. To include or not to include a gratuity in the bill To put or not to put a tip on the bill To add or not to add a tip to the bill To leave or not to leave a gratuity To pay or not to pay in cash To use or not to use a card 23. Are you in any position to sum up all methods of payment? tJT^es of cards types of cheques types of transactions types of plastic money the advantages the disadvantages 24. You excelled at the travel agency. tourist company tourist information office tourist information centre tourist college tourist school university tourist department 25. You succeeded at the hotel. hotel bar hotel restaurant hotel front desk hotel information desk hotel travel desk hotel business centre I i h 218 T E X T S Read the texts and answer the questions: C A S H Cash is a commonplace and simple method of payment. It's easy to use - customers don't need any special knowledge to pay in cash. It's ready for use any place any time - customers don't need any cashing facilities. When you say that you will pay in cash, it means that you have the necessary amount of money in notes and coins. Normally national currency of the country will be expected. Often major hard currencies will be accepted. Though it is against the law. According to the law you will be obliged to change your money for the local currency when you travel overseas. The exchange rate will be displayed at the bank or bureau de change. The exchange rate is the value of the money of one country compared to that of another. A buying rate and a selling rate will be shown. Bear in mind that a commission will be taken by the bank or the bureau de change which is a percentage for the transaction. In tourism and hospitality it's convenient to pay in cash when you owe small amounts. Cash is fine when you leave tips to porters and waiters, pay for taxis or buy gifts. It's not convenient to pay in cash when you buy wholesale or purchase expensive goods or services. When a customer purchases a tour package at a travel agency he will be generally expected to pay by credit card. Travellers are not recommended to have a lot of cash on them. It's not safe to carry money in cash when you travel as travellers are more often pickpocketed than residents of the country. There are lots of police records in every country when money was lost or stolen from foreigners. Comprehension questions 1. What is understood by cash? 2. In what way is cash easy to use? 3. Why will travellers be obliged to change their money for local currency of the country they visit? 4. Where are travellers expected to change money? 219 5. What is the rate of exchange? 6. Why will a commission be taken when you change money? 7. When is it convenient and when is it not to pay in cash? 8. Why is it not recommended to carry a lot of money in cash? TRAVELLER'S CHEQUES A traveller's cheque is a bank draft for personal use of the pur- chaser. It is signed by the purchaser at the time of purchase from the national bank. Traveller's cheques are issued in major hard currencies in fixed- amount notes, e. g. a 20 US dollar note or a 100 Deutschmark note. They also bear the name of the issuing company, e. g. Thomas Cook Traveller's Cheques. A I per cent commission will be charged by the bank on sales of traveller's cheques. Traveller's cheques are cheques which you can change for foreign local cash money at an oversaas bank when you travel abroad. A commission of 1 or 2 per cent will be charged on traveller's cheques by the bank for the transaction. Traveller's cheques are very convenient as a method of payment in tourism. They are used to pay bills in hotels, restaurants and shops. They don't have any expiry date. Once they are bought, they are valid for an unlimited period of time. You can take them along any time you travel overseas. With traveller's cheques you don't have to carry large amounts of cash. Traveller's cheques are very safe to carry. When the buyer signs them at the moment of buying, it means they will be protected from forgery, because he will have to countersign them in front of the staff member who will compare the two signatures before accept- ing them. If they are lost or stolen, they will not be used by another per- son as long as they bear the signature of the buyer but no countersig- nature. When traveller's cheques are cashed, the customer will be asked to produce his or her passport for identification. Besides, all travel- ler's cheques are numbered and a special record or sales advice will be given to the buyer with all the traveller's cheques numbers. The buyer will be recommended not to keep the cheques and the sales advice together in one place and not to countersign them in ad- vance. In case the cheques are lost, their numbers and amounts will 220 be preserved. Thus, they will be refunded or replaced by the issuing company. As travellers cheques come in different denominations, you can change both small and large amounts according to your needs. C o m p r e h e n s i o n questions 1. What is a traveller's cheque? 2. What kind of denominations do traveller's cheques come in? What do they bear on the front? 3. How are traveller's cheques used for payments? 4. What will commissions be charged on if you decide to use traveller's cheques? 5. In what way are traveller's cheques convenient to use? 6. What is the advantage of no expiry date on traveller's cheques? 7. Why are traveller's cheques very safe to carry? What measures are taken to protect them from forgery? 8. What will the buyer of traveller's cheques be recommended to do and why? P E R S O N A L C H E Q U E S A cheque is a note to the bank where the customer has his or her account asking the bank to pay money from his or her account to the account of the company or the person whose name will be written by the customer on the cheque. To write out a cheque the customer must put down the name of the payee, the amount in figures and in, words, the date. When the customer signs the cheque, it means that he authorizes the bank to pay the specified amount. Generally the cheque is signed in the presence of the payee or the company staff member. A signed personal cheque is valid for 6 months from the date of issue. If a mistake was made in the cheque or it was totally spoilt, the holder must cancel it. Unsigned blank cheques appear in a special booklet called a cheque book. It consists of 100 or 200 cheques. The holder will be asked to produce a cheque card or a cheque guarantee card together with his cheque. It is a plastic card from the bank which quarantees the payment of the cheque up to a certain amount. Both the cheques in the cheque book and the cheque card must have the same code number. The card has an expiry date. 221 When the company staff member receives a cheque, he or she must put the cheque card number on the back of the cheque. To avoid forgery it is also recommended to hold the cheque up to light and examine it as well as to compare the signatures. The personal cheque will T)e cleared and the payment will be re- ceived only in case the customer has enough money in his or her bank account. Otherwise the cheque will be returned unpaid. In ef- fect it means that the goods or services were purchased by the buyer at the cost of the seller. Travellers must be aware of the fact that not all tourist companies, hotels and restaurants accept personal cheques. The main reason is that cheque clearance takes time - 8 calendar days and more. Personal cheques are used as a method of payment or cashed in local currency. |