According to the form of electronic money, it can be divided into (1) stored-value card type, which can only deposit and withdraw money. (2) Application type of credit card: On the basis of traditional credit card, electronic money that realizes payment function through credit card on the Internet is the fastest-growing electronic money at present and is entering the practical stage. (3) Electronic transfer deposit: an electronic payment method to transfer and transfer deposits through computer networks to complete settlement. (4) Electronic cash type: payment is made by saving digital strings arranged according to certain rules in the computer's hard disk or ic card, that is, electronic digital information blocks represent a certain amount of money.