Money stored and transferred in digital form. In the early days of the Internet, people were reluctant to use their credit cards online, and several payment systems were devised using a form of digital travelers checks (see digital coins and digital wallet). After all was said and done, the traditional credit card systems became the primary form of online money transfer. Web browsers and Web servers support the SSL/TLS security protocols that encrypt connections between the user and the online merchant (see SSL). See Web payments service and mobile payments service.