电子钱包与银行卡的交易比较研究

A Comparative Study of the Transaction of E-Wallet and Bank Card

随着人工成本提高和银行商业化进程的推进,各大城市零钱短缺现象日益严重。虽然实践中已经出现了可以用于解决这一问题的电子钱包,但是由于人们对于电子钱包的适用领域把握不准,造成了其推广不畅。文章介绍了银行卡与电子钱包的系统架构与工作流程,分析了两者各自的适用领域,在此基础上为电子钱包的推广提供了一定建议。

With the increase of labour cost and the commercialization of state-owned banks, the shortage of small changes becomes increasingly serious in cities. Though there has been e-wallet used to solve this problem, it has not become popular for its application has not been understood properly. The paper introduces the structure and process of bank card and e-wallet firstly, then it analyses their respective applicable scope and offers some suggestions for the popularization of e-wallet.