Electronic check is an unconditional digital payment instruction sent by the customer to the payee. It can complete all the functions of traditional checks through the Internet or wireless access devices. An important difference between electronic check and paper check is that the issuer of the check can encrypt his account number through the public key of the bank to prevent fraud.

E-check has many advantages, such as facilitating new online services; Simplifies the learning process of customers; Very suitable for large settlement; Can provide services for the enterprise market, etc.

Electronic check is a common electronic payment tool in banks.

Electronic check is an electronic substitute for paper check. This is a legal payment method, just like a paper check. It uses digital signature and automatic verification technology to determine its legitimacy.

The electronic check displayed on the monitor screen looks like a paper check and is filled in the same way. In addition to the payee's name, account number, amount and date, the check also contains encrypted information. E-check is sent directly to the payee by e-mail. The payee takes out the e-check from the e-mail, signs the received confirmation information with an electronic signature, then sends the e-check to the bank by e-mail and deposits the money into his account.