1. Stored value card:

1. Concept: refers to an IC card or magnetic card issued by a certain industry or company that can be used in place of cash. Such as phone recharge card Shenzhouxing, etc.

2. Credit card:

1. Concept: It is a credit certificate issued by a bank or a specialized issuing company to consumers. It is a bank that combines payment and credit. Basic functions integrated into the business.

2. Features: It has both credit and payment functions.

3. Electronic check:

1. Concept: It is an electronic money payment method. Its main feature is to securely move deposits through computer communication networks to complete settlement.

2. Usage process: Whether an individual or a business, the party with a debt issues a check or other instrument and gives it to the party with the creditor's rights to settle the debt. When the agreed date arrives, the holder Submit the original copy of the note to the payer to receive the cash.

4. E-wallet:

Concept: E-wallet is a payment tool commonly used by online shopping customers in e-commerce activities. It is a new type of payment tool commonly used for small purchases or small commodities. wallet.

Customers who use e-wallets usually have accounts in banks. When using an electronic wallet, install relevant application software on the e-commerce server, and use the electronic wallet service system to input your own data on electronic money or electronic financial cards.

When making payment, if the customer wants to pay with an electronic credit card, such as using a Visa card or Mastercard card, the customer only needs to click the corresponding item or the corresponding icon to complete the payment. People often use this This payment method is called one-click or click-through payment method.

Extended information:

Classification:

Classified by degree of acceptance: single-purpose electronic currency, multi-purpose electronic currency

By Classification of usage methods and conditions: online authentication system electronic currency, online anonymous system electronic currency,

offline authentication system electronic currency, offline anonymous system electronic currency

Classification by settlement method: payment method Electronic money, means of payment Electronic money

Classified by the computer network method it relies on: bank card, online money

Classified by the circulation form of electronic money: open-loop electronic money, closed-loop electronic money

Baidu Encyclopedia-Electronic Currency