As the name implies, a digital wallet is the digitalization of a wallet, and its specific form is a software product that can help users store and manage assets, as well as be used for shopping and payment. It is a combination of information and software. Digital wallets can help consumers and merchants complete payments safely and conveniently through data information. Usually, consumers do not need to pay when using a digital wallet, but for merchants, payment is required. Types of digital wallets

　　1. Client-side digital wallet: This type of digital wallet also has two types. One type requires customers to download and install software to enter the amount and shipping address, which is safer. The other type is based on the server, where the information entered by the user is stored on the server, reducing the trouble of downloading software;

　　2. Server-side digital wallet: This type of digital wallet is used to verify the identity of merchants and is mainly implemented for security reasons, as a precautionary measure, to ensure the security of transactions.

　　It is not only possible to choose one bank; users can go to the bank to have the bank staff open a digital RMB wallet. It is important to note that the digital wallets supported by different banks vary; please refer to the official information published by the bank, for example, the digital wallet of the Industrial and Commercial Bank of China supports the binding of the Industrial Bank, Agricultural Bank, Bank of China, Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, CITIC, Minsheng Bank, and Bank of Beijing. Therefore, a digital wallet is not limited to choosing only one bank.

　　Expanded information:

　　1. What is a digital wallet:

　　Digital wallets are a type of software that allows users to pay for goods online. They store credit card numbers and other personal information, such as delivery addresses. Once the data is entered, it is automatically transferred to the order domain of the merchant’s website.

　　When using a digital wallet, consumers do not need to fill out an order form on each site when purchasing items, as the information is already stored and automatically updated and entered into the order domain of the manufacturer’s site.

　　2. Classification:

　　Digital wallets are divided into two major types: client-side and server-side (digital wallets). In these classifications, there are those wallets that only work on certain merchant websites and those that are unknown to merchants.

　　The client-side digital wallet is an older type among the two types of wallets, according to analysts, this type of wallet has started to be ignored because it requires users to download and install software. Users download the wallet application and input payment amounts and mailing information. In this sense, the information is secure and encrypted on the user’s hard drive. Users have local control over their credit card and personal information.

　　When using a server-based wallet, users fill in their personal information, and the点心 file (a text file that includes information about the user) is automatically downloaded. In this case, the consumer’s information is stored on the server of the financial institution or the digital wallet provider, rather than on the user’s PC.

　　3. Functions of digital wallets include:

　　Digital wallets are a type of software that allows users to pay for goods online. They store credit card numbers and other personal information, such as delivery addresses. Once the data is entered, it is automatically transferred to the order domain of the merchant’s website.

　　When using a digital wallet, consumers do not need to fill out the order on each site when purchasing items, as the information is already stored and automatically updated into the order domain of the vendor site. Consumers also benefit from using digital wallets because their information is encrypted, i.e., protected by private software code. Merchants are also protected from fraud and benefit from it.

　　A digital wallet is a software that allows users to make payments for goods on the Web. It stores credit card numbers and other personal information, such as delivery addresses. Once the data is entered, it is automatically transferred to the order domain of the merchant website. When using a digital wallet, consumers do not need to fill out the order on each site, as the information is already stored and automatically updated into the order domain of the vendor site. Consumers also benefit from using digital wallets because their information is encrypted, i.e., protected by private software code. Merchants are also protected from fraud and benefit from it.

　　For consumers, digital wallets are free and can be obtained quite easily. For example, when consumers purchase something on a merchant website that has established a server-side digital wallet, they input their name, payment amount, and delivery information into the merchant’s own form. At the end of the purchase, they are required to sign up for their chosen wallet with a username and password for future purchases. Users can also obtain wallets from the wallet provider’s site.

　　Although wallets are free for consumers, the (wallet) suppliers charge merchants for using wallets.

　　Extended Information:

　　Basic Classification

　　Digital wallets are divided into two major types: client-side and server-side (digital wallets). In these classifications, there are those wallets that only work on certain merchant websites and those that are unknown to merchants.

　　The client-side digital wallet is an older type among the two types of wallets, according to analysts, this type of wallet has started to be ignored because it requires users to download and install software. Users download the wallet application and input payment amounts and mailing information. In this sense, the information is secure and encrypted on the user’s hard drive. Users have local control over their credit card and personal information.

　　When using a server-based wallet, users fill in their personal information, and the点心 file (a text file that includes information about the user) is automatically downloaded. In this case, the consumer’s information is stored on the server of the financial institution or the digital wallet provider, rather than on the user’s PC.

　　Server-side wallets provide security measures against merchant fraud, as they use certificates to verify the identity of each party. When a party conducts a transaction, it submits a certificate to the other party involved. The certificate is attached to an electronic message, used to verify the identity of the other party, and to provide the recipient with a means to encode the response.

　　In addition, sensitive information of credit card holders is generally stored within financial institutions, as the financial environment typically provides the highest level of security, which is an additional security measure. However, even with the convenience of online shopping provided by wallets, they have not been widely adopted yet.

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