1. Electronic payment tools can be divided into three major categories: electronic money, such as electronic cash, electronic wallets, etc.; electronic credit cards, including smart cards, debit cards, phone cards, etc.; electronic checks, such as Electronic checks, electronic transfers (EFT), electronic transfers, etc. Each of these methods has its own characteristics and operating modes, and is suitable for different transaction processes.

2. Electronic cash is (E-Cash) a currency that circulates in the form of data. It converts cash values ??into a series of encrypted serial numbers, and uses these serial numbers to represent the market value of various amounts in reality. After users open an account at a bank that conducts electronic cash business and deposit money in the account, they can receive electronic cash. store shopping.

3. Electronic wallet is a payment tool commonly used by online shopping customers in e-commerce activities. It is a new wallet commonly used when shopping for small amounts or purchasing small commodities.