Electronic cash is a payment tool for bank card flash payment. The initial balance is the initial balance of electronic cash. Automatic deposit business refers to the automatic deposit business that can be completed when the electronic cash balance of chip card is lower than the automatic deposit threshold of electronic cash balance. The automatic deposit threshold of electronic cash balance is set by the cardholder in advance, which can trigger the minimum value of electronic cash balance in automatic deposit business. Automatic deposit must be entered by the cardholder.