电子支付作为电子商务的支持环节,它和电子商务的发展是相互促进、相互依赖的关系,电子支付可划分为在线支付和离线支付两种,其中在线支付中网上支付最为普遍,适用范围最广,但是网上支付对于大额支付需求来说,受复杂的开通过程、繁琐的支付流程、每日或每笔额度、网络速度慢等限制。离线支付中最具有代表性的就是信用卡“无卡”支付,这种方式主要用于实名制商品的支付,它一出现就受到用户和商家的青睐,主要应用于民航、酒店、保险等行业。 Electronic payment, as a supporting part of e-commerce, develops mutually and depend on each other. Electronic payment can be divided into online payment and offline payment, among which online payment is the most common and the most widely used However, online payment is limited by the complicated opening process, tedious payment process, daily or each line, slow network speed and the like for large payment needs. Off-line payment is the most representative of the credit card “no card ” payment, this method is mainly used for payment of real-name products, it appeared favored by users and businesses, mainly used in civil aviation, hotels, insurance and other industries .