Electronic wallet ?Electronic wallet is a customer shopping in e-commerce payment commonly used as a tool in the small shopping or buying commodities often used new wallet. The use of electronic purse shopping , Usually in the service system for electronic wallet. E-commerce activity in the electronic wallet software is usually provided free of charge, can be directly linked with their bank account Then e-commerce system e-wallet software on the server, you can also come up from the Internet, using a variety of confidential use of Internet, e-wallet software. Currently The world has VISAcash and Mondex electronic purse services, the two systems, other e-wallet service system also MasterCardcash, EuroPay the Clip and the Belgian Proton And so on. ?Customers typically use electronic wallet are all in the bank account. When using the electronic wallet, to the e-commerce application software installed on the server, the use of electronic money Package service system can own a variety of electronic money or electronic financial card data entered. Receive payment in the event, if customers use the electronic credit card payments, for example, Visa card or MasterCard card payments received, the customer as long as the click of the corresponding items (or the corresponding icon) to complete, people often refer to these as single-click electronic payment Or electric shock type of payment. ?In the electronic purse of the electronic money can only be fully installed, or load e-cash, e-change, security, change, electronic credit card, online currency, digital currency. These electronic support Payment tools can support single-click payment. ?E-commerce service system with electronic money and electronic wallet function management module, called electronic wallet Manager, customers can use it to change the security password or secret side Style, use it to view their bank account on the collection and payment of electronic money between accounts, inventory and data. E-commerce service system are electronic transaction log, the customer by check Recorder, you can understand what their items are bought, how much to buy, you can also print out the query results. China&#39;s current e-wallet broadly divided into two categories: cards have evolved from the industry sector electronic purse (or quasi-electronic purse) and the bank issuing the common e-wallet. Due to historical And the reasons for the existing system, public transportation industry is the most developed areas of the industry card, electronic purse is the cradle of the industry. Currently all large and medium cities in the implementation of public transport card project, standards, implementation methods are different. , Shanghai, Guangzhou&#39;s bus card industry is developing rapidly, mainly The reason is relatively large population base, its trading volume and precipitation to the project funding to bring more huge profits. Incomplete statistics show that Shanghai has issued public transport &quot;smart card&quot; total More than 700 million, Guangzhou &quot;Yangcheng Tong&quot; circulation has reached over 200 million now, the two cities, the traffic card has more than 10 million total, in addition, it is because the traffic Caillou Cross-application transport card information management related to the city&#39;s image and interests of the people, the government usually has a certain passion driven. Beijing, Wuhan, Nanjing, Jinan and other big cities And small cities have implemented to varying degrees, bus cards, even Wuxi, Suzhou, this small city is also actively working with Shanghai to achieve &quot;inter-city links&quot; (the &quot;Card&quot; of the inter-city General). Shows the development trend of good public transportation card. ?Another bus card with electronic purse is comparable to the industry around the issue of food cards and for supermarkets, department stores, shopping, business cards, this type of card consumers are generally public funds Fee, or the welfare of the company to employees in other industries share marketing cards can not match the special advantage. ?Overseas, the common electronic purse is included in the financial sector supervision, and our lack of corresponding legal electronic wallet. Therefore, micro-payment card to enter a variety of industry areas, as For the universal electronic wallet also random to follow, but to take gradual penetration approach. Shanghai public transport card has been used to pay water, electricity, gas fees, but also in some supermarkets For shopping. Dining cards, business cards are basically the same. ?Although the bank electronic wallet from the nineties began, but in practice, has not been universal. To date, a purely electronic wallet banks (excluding Joint card) circulation of only 200 million. ?The overall yield from commercial banks to consider, electronic purse and debit cards, just like deposits, and do not pay interest, do not take up banking back office systems, communication resources are income Larger card type. However, the promotion of e-purse, there is still difficult. First, China and the United States, as communication costs significantly lower than in Europe, trading off the cost of electronic purse The advantage was insignificant. Bank debit cards and credit cards can enter the field of micro-payments, electronic purse transactions in addition to the advantages of speed, other aspects of lackluster . Second, the current requirements of the relatively high transaction speed micro-payment areas are mainly highway, parking, subway, buses, taxis and fast food restaurants, non-contact card More practical, and bank electronic wallet There is no non-contact standard, so in some areas of micro-payment application is limited. In addition, in marketing terms, the industry card To one of the important reasons to promote their commercial invoice can be issued, the Group purchased stored value card sales form the main channel, and banks do not have this kind of electronic wallet to buy a business group Marketing channels. Therefore, for pure electronic wallet to pay the bank functions, investment banks very cautious. ? ?Of course, for the need to compete with the industry, some industries have begun to open their own business platform, full use of the financial benefits of e-wallet to pay for features to attract more consumer Persons. Electronic purse on the use of a wide range, it brings a good many convenient!!