Is wechat payment electronic currency or digital currency
the three party payment tools such as digital currency and Alipay and WeChat payment are different. The payment of Alipay and WeChat is a well-known third party payment tool in China. Digital money is also possible in theory, but the market share of digital money in the field of payment is still very low.
Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.
Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world
digital money is getting closer and closer. Many people will wonder whether digital money will completely replace cash or completely replace WeChat and Alipay mobile payment? What are the differences between digital money and WeChat or Alipay payment? The following is an analysis
digital money and WeChat Alipay payment. Although they all belong to mobile payment, the two payment methods are very similar. P>
WeChat or Alipay payment
WeChat Alipay payment has become the most commonly used payment. We just take out the mobile phone and open the WeChat or Alipay scan payment code, so that we can do business and shop without cash at all. P>
, but WeChat or Alipay payment is based on the premise that the mobile phone must have signals, but also have the premise of the network. Similar to the current p>
, although there are many ways to pay, similar to some elderly people, or cheap mountain areas, WeChat and Alipay temporarily use difficulties, or need to use cash to achieve a transaction. p>
but after the digital currency comes out, these difficulties can be solved. The elderly and remote mountainous areas can also use digital currency, so they can say goodbye to cash
comprehensive analysis shows that digital money is an upgraded version of WeChat and Alipay mobile payment. Since it is an upgraded version, and it is issued by the central bank, it naturally has its own advantages. WeChat and Alipay do not have these advantages. As long as there are differences between the advantages and disadvantages, there is definitely a difference between the two. The above three points are the biggest difference between them. p>
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now, the central bank has also issued RMB and digital currency. What is the difference between the digital Renminbi and our daily WeChat Alipay payment? p> First, the essence of the concept is different
the digital currency issued by the central bank is legal tender, compensable and real money. If someone refuses to accept digital RMB, it is an illegal act and can directly report to the police. WeChat and Alipay, which we use everyday, are data. They do not represent money. They are just a transfer station between banks and users. They only represent a way of payment. In other words, digital money is money, which can be directly consumed. Alipay and WeChat will no longer have the function of paying for consumption without money. p>
(1) stored value card: the most common one is magnetic card or IC card. Such as: Telecom ordinary telephone card, supermarket shopping card, campus consumption card, bus card, gas card, etc< (2) bank card: the most common ones are credit card and debit card. The characteristic of bank card is that there is no need to pay in cash, but each payment behavior requires the participation of the bank (such as on the POS machine authorized by the bank) in addition to the participation of both parties. The important feature of credit card is that users can pay within the bank credit line, that is, they can "overdraw", while debit card can not overdraw, they can only "deposit first, then pay"
(3) e-check: e-check is to make all the contents of the check electronic, and realize the transmission and processing of e-check among the drawer, payee, payer, bank, endorser and other relevant parties by means of network through encryption and decryption technologies such as digital certificate and digital signature, so as to realize e-commerce settlement
(4) e-cash: e-cash is the closest electronic currency to cash payment, which is developed to replace the actual cash. Such as mobile phone E-wallet. E-cash can realize the free payment between indivials, and has the characteristics of anonymity, multiple transfer and non tracking.