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Online electronic settlement tool

Source: Shangpin China | Type: website encyclopedia | Time: December 22, 2014
1、 Electronic cash (electronic wallet)
Electronic cash, also known as digital cash, can be accepted by customers and businesses Website Design The webpage designed by the company is a transaction medium that can be used to purchase goods or services on the Internet. It is a way to replace paper money. All parties in e-commerce have no doubt about the requirements of e-cash system from different perspectives. Customers require that e-cash be convenient and flexible, but also have anonymity; Businesses require high reliability of electronic cash, which must be convertible into real currency (banknotes); Financial institutions require that electronic cash can only be used once, and electronic media cannot be used illegally or forged.
 
Online electronics

Therefore, according to the requirements of commercial parties for e-cash, e-cash must have the following characteristics: independence, e-cash does not rely on the computer system used, and cannot be reused; Anonymity: e-cash cannot provide information to track the holder; Transitivity. Electronic cash can be easily transferred from one person to another, and cannot provide information to track such transfer; Separability. E-cash can be divided into several monetary units, and like ordinary cash, big money can be divided into small money for safe storage; High reliability, can be safely stored in the customer's computer or Smart card, and the customer's electronic cash stored in this way can be reliably transferred on the Internet.

2、 Electronic check
Cheque has always been one of the payment tools widely used by banks today. Electronic check is to change the traditional credit currency payment and settlement method, change the check into an electronic message with digital signature, or use other digital messages to replace all the information of the traditional check. The payment business and payment process of traditional cheques can be computerized by using electronic cheques. Electronic cheques include three entities, namely buyers, sellers and financial institutions. When the buyer and the seller complete a transaction processing, the seller requests payment. At this time, the buyer obtains a unique payment certificate (equivalent to a check) from the financial institution. This electronic payment certificate means that the buyer's account owes money to the financial institution. When buying, the buyer gives the payment certificate to the seller, and the seller turns it over to the financial institution. As it is conducted electronically, proof of payment is an electronic flow that is presented by a financial institution. At present, the electronic check transmission system is generally a private network system to control its security. This mode has been improved. The main problem is how to expand to the Internet network and operate in the Web mode.

3、 Electronic credit card
Credit card payment is the most commonly used tool in electronic payment. It can be used in many places such as shopping malls and restaurants. It can be paid by using card records, POS checkout, ATM cash withdrawal, etc. In e-commerce, the simplest form is to let users register a credit card number and password with a company in advance. When users shop in the company through the network, they only need to send the password to the company. After the shopping is completed, users will receive a confirmation email to ask whether the purchase is valid. If the user's answer to the email is valid, the company will deduct the transaction fee from the user's credit card account.

4、 Credit card based electronic payment system
When ordinary consumers shop online, they just need to send the credit card information to the franchised store through the Internet, and then the store will integrate the data and send it to the withdrawal bank to complete the payment according to the original credit card settlement system. Generally speaking, network security is the primary question of this payment method, and security and verification must be solved. With the development of technology, credit cards have gradually developed into more secure and reliable smart cards that can read and write large amounts of data. People call them electronic credit cards or electronic wallet. As the electronic credit card surface contains Proud computer chips and memory chips, it can record almost all the information and data in the customer account, such as the record of each transaction, the amount of money paid, even photos and fingerprints, and can independently complete the identity authentication of the cardholder, the authorization of the consumption limit, the encryption of information data and data Withdrawal, deposit, electronic signature and other operations can also transfer funds between electronic credit cards. When using electronic credit card, it is usually necessary to connect the electronic credit card to the bank network, and also to comprehensively apply the electronic credit card software, electronic credit card manager, recorder and electronic credit card system. Electronic credit card is the most commonly used tool in electronic payment at present.
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1. Part of the content of this site comes from the network, and the copyright of some articles and pictures involved belongs to the original author. The reprint of this site is for everyone to learn and exchange, and should not be used for any commercial activities.

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