English to Chinese Tech/Engineering IT (Information Technology) security

The use of mobile devices as debit or payment mechanisms will create increased opportunities for fraud, but such a system has yet to take root in the United States.
使用移动设备如借记或者支付机制会导致欺诈机会增加，但这种系统在美国还没有确立起来。
借记或者支付机制＝移动设备？？