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.

• 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。