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在电子商务时代,伴随着网上交易的蓬勃发展,网上的支付手段也发生了天翻地覆的变化。告别了不安全、不卫生、成本又高的传统现金形式,快捷高效、安全可靠的电子货币将成为未来网上的重要支付手段。目前,网上的支付手段种类较多,大体上可分为三种:一种是利用现有的信用卡结算系统进行的网上支付;一种是允许客户通过网络转移自己账户上资金的网上支付系统,如“电子支票”(Electronic Check)、“网上贷记卡”(Internet Debit Card)等支付工具;还有一种被称为“电子货币”或“数字货币”,它是目前最先进也是最直接的网上支付手段。
In the era of e-commerce, along with the booming of online transactions, the online payment methods have undergone tremendous changes. Bid farewell to the unsafe, unsanitary, high cost of traditional forms of cash, fast and efficient, safe and reliable electronic money will become an important online payment methods. At present, there are many types of online payment methods, which can be roughly classified into three types: one is online payment using an existing credit card settlement system; the other is an online payment system that allows customers to transfer funds on their accounts through the network, Such as Electronic Checks and Internet Debit Cards; and a payment tool called “e-currency” or “digital currency,” which is currently the most advanced and straightforward Online payment means.