[外语类试卷]大学英语六级模拟试卷148及答案与解析.doc
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1、大学英语六级模拟试卷 148及答案与解析 一、 Part I Writing (30 minutes) 1 1. 随着生活水平和医疗水平的提高,我们身边的老人日渐增多。 2. 作为大学生,能为他们做些什么 3. 这样做的原因 Taking Care of the Old 二、 Part II Reading Comprehension (Skimming and Scanning) (15 minutes) Directions: In this part, you will have 15 minutes to go over the passage quickly and answer t
2、he questions attached to the passage. For questions 1-4, mark: Y (for YES) if the statement agrees with the information given in the passage; N (for NO) if the statement contradicts the information given in the passage; NG (for NOT GIVEN) if the information is not given in the passage. 2 How ATMs Wo
3、rk? Youre short on cash, so you walk over to the automated teller machine (ATM), insert your card into the card reader, respond to the prompts on the screen, and within a minute you walk away with your money and a receipt. Have you ever wondered about the process that makes your bank funds available
4、 to you at an ATM on the other side of the country? ATM Card vs. Check Card As an alternative to writing checks and using a credit card, most major banks have teamed up with major credit-card companies to issue check cards. Check cards are different from straight ATM cards in a couple of ways. First
5、,check cards are also known as debit cards because of how they work instead of getting credit for your purchase and receiving a monthly bill,like you do with a credit card, a check/debit card deducts money from your checking or savings account. Also, while you can only use your ATM card at the ATM m
6、achine (and some grocery stores), you can use a check card at most retailers that accept credit cards. There are exceptions. Some hotels and rental car services only accept credit cards because its easier, cheaper, and less of a risk to them than check cards. Those that do accept check cards often p
7、ut a certain amount of money in your bank account “on hold“ (unavailable to you) usually the cost of the room or rental including taxes and other fees, plus a percentage of the total or a fee to cover possible damages. When you check out of the hotel or turn in your rental car, the difference betwee
8、n the“holdamount and what youre actually billed is released back into your account. This is something to consider when using your debit card to reserve a hotel room or rent a car. The Way ATMs Work An ATM is simply a data terminal with two input and four output devices. Like any other data terminal,
9、 the ATM has to connect to, and. communicate through, a host processor. The host processor is analogous to an Internet service provider (ISP) in that it is the gateway through which all the various ATM networks become available to the cardholder (the person wanting the cash). Most host processors ca
10、n support either leased-line or dialup machines. Leased-line machines connect directly to the host processor through a four-wire, point-to-point, dedicated telephone line. Dialup ATMs connect to the host processor through a normal phone line using a modem and a toll-free number, or through an Intern
11、et service provider using a local access number dialed by modem. Leased-line ATMs are preferred for very high-volume locations because of their thru-put capability, and dial-up ATMa are preferred for retail merchant locations where cost is a greater factor than thru-put. The initial cost for a dial-
12、up machine is less than half that for a leased-line machine. The monthly operating costs for dial-up are only a fraction of the costs for leased-line. The host processor may be owned by a bank or financial institution, or it may be owned by an independent service provider. Bank-owned processors norm
13、ally support only bank-owned machines, whereas the independent processors support merchant-owned machines. Sensing Bills The cash-dispensing mechanism has an electric eye that counts each bill as it exits the dispenser. The bill count and all of the information pertaining to a particular transaction
14、 is recorded in a journal. The journal information is printed out periodically and a hard copy is maintained by the machine owner for two years. Whenever a cardholder has a dispute about a transaction, be or she can ask for a journal printout showing the transaction, and then contact the host proces
15、sor. If no one is available to provide the journal printout, the cardholder needs to notify the bank or institution that issued the card and fill out a form that will be faxed to the host processor. It is the host processora responsibility to resolve the dispute. Besides the electric eye that counts
16、 each bill, the cash-dispensing mechanism also has a sensor that evaluates the thickness of each bill. If two bills are stuck together, then instead of being dispensed to the cardholder they are diverted to a reject bin. The same thing happens with a bill that is excessively worn, torn, or folded. T
17、he number of reject bills is also recorded so that the machine owner can be aware of the quality of bills that are being loaded into the machine. A high reject rate would indicate a problem with the bills or with the dispenser mechanism. Settlement Funds When a cardholder wants to do an ATM transact
18、ion, he or she provides the necessary information by means of the card reader and keypad. The ATM forwards this information to the host processor, which routes the transaction request to the cardholders bank or the institution that issued the card. If the cardholder is requesting cash, the host proc
19、essor causes an electronic funds transfer to take place from the customers bank account to the host processors account. Once the funds are transferred to the host processors bank account, the processor sends an approval code to the ATM authorizing the machine to dispense the cash. The processor then
20、 transfers the cardholders funds into the merchants bank account, usually the next bank business day. In this way, the merchant is reimbursed for all funds dispensed by the ATM. ATM Security ATMs keep your personal identification number (PIN) and other information safe by using encryption (加密 ) soft
21、ware such as Triple DES (Data Encryption Standard). But there are lots of things that you can do to protect your information and your money at an ATM. Many banks recommend that you select your own PIN. Visa offers the following PIN tips: Dont write down your PIN. If you must write it down, do not st
22、ore it in your wallet or purse. Make your PIN a series of letters or numbers that you can easily remember, but that cannot easily be associated with you personally-such as birth dates, initials, house numbers or your phone number. Visa also recommends the following tips for safe ATM usage, Store you
23、r ATM card in your purse or wallet, in an area where it wont get scratched or bent. Get your card out before you approach the ATM. Youll be more vulnerable to attack if youre standing in front of the ATM, fumbling through your wallet for your card. Stand directly in front of the ATM keypad when typi
24、ng in your PIN. This prevents anyone waiting to use the machine from seeing your personal information. After your transaction, take your receipt, card and money away. Do not stand in front of the machine and count your money. If you are using a drive-up ATM, get your vehicle as close to the machine
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