Electronic wallet is a common payment tool in e-commerce shopping activities. Electronic money stored in electronic wallet, such as electronic cash, electronic change, electronic credit card, etc.
I. Overview of electronic cash:
E-commerce is a business activity conducted through the Internet, and a very critical requirement of e-commerce is to have a safe and efficient electronic cash system. Since D. Chaum published the first paper on electronic cash system in 19 8 2, many research achievements have been made in the research of electronic cash system.
Second, the electronic wallet overview:
E-wallet has two concepts: one is pure software, which is mainly used for online consumption and account management. This kind of software is usually connected with a bank account or a bank card account. The second is a smart stored-value card for micropayments. The cardholder deposits a certain amount in the card in advance, and directly deducts the transaction amount from the stored value account during the transaction.
Extended data:
First, the characteristics of electronic cash:
1. There should be an agreement and authorization relationship between banks and merchants.
2. Users, merchants and electronic cash banks all need to use electronic cash software.
3. Electronic cash bank is responsible for the transfer of funds between users and merchants.
4. Electronic cash is anonymous to users, and the use of electronic cash can protect users' information.
Second, the characteristics of electronic wallet
1. security: the personal data of e-wallet users are stored in the server, and the security is guaranteed by technical means. Personal computers do not store any personal data, thus avoiding the danger of data leakage.
2. Self: After successfully applying for a wallet, consumers have their own files on the server, so they can pay online when they go out for travel or business, without carrying electronic wallet information with them.
3. Convenience: There are many merchant site links in the e-wallet, and consumers can directly enter the merchant site for shopping through the links.
4. Fast: It only takes 10-20 seconds to complete the normal processing of a payment instruction through the electronic wallet (depending on the network and communication).
Baidu encyclopedia-e-wallet
Baidu encyclopedia-electronic cash