E-wallet is a common payment tool in e-commerce shopping (especially small shopping). E-wallet users usually have accounts in banks. When using e-wallet, first install the corresponding application software, and then use the e-wallet service system to input electronic money into your account. When receiving and paying, users only need to click on the corresponding items on the computer.

The system is equipped with the function management module of electronic money and electronic wallet, which is called electronic money wallet manager. Users can use it to change passwords or security methods, and use it to view accounts, lists and other data of electronic money receipts and payments in their bank accounts. An electronic transaction recorder is also provided in the system, and customers can know their shopping records by querying the recorder.

2. Payment Gateway

The payment gateway is the interface between the bank's financial system and the Internet, and it is a set of servers connecting the bank's internal network and the Internet. Its main function is to complete the communication, protocol conversion and data encryption and decryption between them, thus protecting the security of the bank's internal network. Without payment gateway, the electronic payment function of online banking cannot be realized.

With the continuous growth of online market, online transaction processing will become the basic function of every payment system. Nowadays, merchants are often inefficient in data transmission. With the payment gateway, this problem can be effectively solved, so that banks or traders can maintain their due efficiency in the case of rapid development of the online market and increasing online transaction volume.

3. Safety certification

E-commerce Certification Authority (CA) is to identify the identities and credits of the participants in e-commerce activities and maintain the security of trading activities.

Its establishment is to fundamentally ensure the smooth progress of e-commerce transactions: it is very important to enhance the trust of all parties in online transactions, improve the safety of online shopping and online transactions, control transaction risks and promote the development of e-commerce.

Extended data

Generally speaking, the business types of online banking mainly include basic business, online investment, online shopping, personal finance, corporate banking and other financial services.

1, basic online banking business

The basic online banking services provided by commercial banks include online account balance inquiry, transaction record, data download, transfer and online payment.

2. Online investment

Due to the developed financial services market, there are many kinds of financial products that can be invested. Foreign online banking services include stocks, options, mutual fund investment and CDs trading.

3. Online shopping

The online shopping assistance service established by online banking of commercial banks greatly facilitates customers' online shopping, provides customers with high-quality financial services or related information services on the same service variety, and strengthens the competitive advantage of commercial banks in the traditional competitive field.

4. Personal financial assistant

Personal financial assistant is a service that foreign online banks focus on developing. Major banks transfer financial assistants in traditional banking business to the Internet, and provide customers with various financial solutions, suggestions or financial service technical assistance through the Internet, thus greatly expanding the service scope of commercial banks and reducing the related service costs.

5. Corporate banking

Corporate banking service is an important part of online banking service. Its service varieties are more complex than individual customers, and the requirements for related technologies are higher. Therefore, providing online banking services for enterprises is one of the signs of the strength of commercial banks. Generally, small and medium-sized online banks or pure online banks can only provide some or even no such services.

6. Other financial services

In addition to banking services, online banking of large commercial banks also provides customers with insurance, mortgage, mortgage and other financial service products by themselves or in conjunction with other financial service websites, expanding the scope of online banking services.

Baidu encyclopedia-online banking