According to different standards, electronic money is divided into different types, the most common classification is, according to business functions, electronic money can be divided into Credit Card type, stored value cards type, Exchange-type deposits and simulation model Cash. 根据不同的标准,将电子货币划分为不同的种类,其中最常见的分类方式为,根据业务功能,电子货币可分为信用卡类、储值卡型、存款汇兑型和现金模拟型电子货币。