电子支付作为电子商务的重要组成部分,与电子商务的发展相互促进、相互依赖。电子支付可分为在线支付和离线支付。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交易, Electronic payment, as an important part of e-commerce, promotes and interdependence with the development of e-commerce. Electronic payment can be divided into online payment and offline payment. Off-line payment is the most representative of the credit card “no card ” payment, this method is mainly used for real-name commodity trading,