The first digital currency credit card

1.

digital currency is an alternative currency in the form of electronic currency (which can be used for real goods and services transactions)

digital currency has the main characteristics of network packets. This kind of data packet is composed of data code and identification code. The data code is the content we need to transmit, while the identification code indicates where the data packet comes from and goes

based on the characteristics of digital currency, the direct benefit of digital currency to the central bank is not only to save the cost of note issuance, circulation and settlement, but also to enhance the central bank's ability to control funds

Electronic money and virtual money are called digital money. According to the definition of the European Central Bank, virtual money is issued by non central banks, credit institutions and e-money institutions, which can be used as the numerical expression of the value of currency substitutes in some cases

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extended information:

the process of digital currency trading through the platform is as follows:

(1) investors should register accounts first, and obtain digital currency accounts and US dollar or other foreign exchange accounts at the same time

(2) users can buy and sell digital currency with the money in their cash account, just like buying and selling stocks and futures

(3) the trading platform will sort the buying requests and selling requests according to the rules and start to match them. If they meet the requirements, the transaction will be concluded

(4) e to the difference between the buy and sell volumes submitted by users, a buy or sell request may be partially executed

2. It's not necessary to say that this thing is deceitful. If it is issued by the state, there must be government and full-time personnel with certificates.

3.

Generally, the excellent digital currencies are mostly imported procts, such as bitcoin, Leyte coin, ether coin and so on. However, the domestic Yuanbao coin, Ruitai coin, bitcoin and the tokens of different crowdfunding projects of European crowdfunding are excellent digital currencies

< H2 > development materials

digital currency (English: digital currency) is an alternative currency in the form of electronic currency. At present, no central bank of any government has indicated that it will issue digital currency, and digital currency does not have to have a benchmark currency and a central bank

it is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography

4. Visa is a credit card brand. In 1959, Bank of America began to issue bank of America Card in California, USA. visa card was issued in 1976. In 1977, visa was officially regarded as the symbol of the organization, which is called Visa International Organization. Visa card is a credit card issued by Visa International at the end of 1982. It can be accepted at more than 29 million merchant transaction points all over the world, and can provide cash service at 1.8 million ATMs< 2. MasterCard, an international credit card system, was established by MasterCard in the late 1950s and early 1960s. In 1966, an organization of interbank card association was formed. In 1969, the bank card association acquired the patent right of MasterCharge, unifying the name and style design of credit cards of various card issuing banks. In the following ten years, the original name of MasterCharge was changed to MasterCard< Since the first American Express card was issued in 1958, so far, it has issued cards in 49 currencies in 68 countries and regions, building the world's largest self-contained network of special merchants, and has more than 60 million high-quality cardholders. Founded in 1850, the initial business of express was to provide express service. With the continuous development of business, in 1891, express first launched traveler's checks, mainly for high-end customers who often travel. It can be said that express has served high-end customers for a hundred years, and has accumulated rich service experience and a large number of high-quality customers. Now there are peony express card, CMB express card, CITIC American Express card, Great Wall American Express card and Minsheng express card< 4. Diners Club was founded by Frank mcmamaca in 1950. It was the first plastic payment card and eventually developed into an international credit card. In 1981, Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepted the Diners Club International card. The main advantage of Dalai card company is to increase its sales in undeveloped areas and consolidate its strong position in the credit card market. The company has strengthened its position in the international market through the mutual benefit agreement between Dalai cash exchange network and ATM network<

Instrial and Commercial Bank of China (ICBC) introced the first Dalai brand RMB / US dollar al currency card in mainland China

5. JCB (Japan credit bureau)

JCB card is a universal international credit card in the world. It is a credit card jointly issued by Japan Sanwa Bank, Japan Shinto bank, Mitsui bank, Concorde bank and Daiwa bank in 1961. The credit card (2013) has been issued and circulated in 190 countries and regions in the world. It is also the only international credit card brand from Asia< In China, nine banks have issued JCB credit cards, including Bank of China, Bank of Shanghai, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and instrial and Commercial Bank of China. The number of card holders has exceeded 5 million.

5.

E-cash, like paper money, has no value in itself. It only depends on the credit of the issuer to reflect its value. It is a kind of digital information composed of 0 and 1 signed by the bank through electronic means, so it is also called digital currency. It is different from the credit card used now, because the credit card itself is not money, it is just a means of transfer, and e-cash itself is a kind of money, it can be directly used to buy goods. Although it is the same as gold coin and paper money, it does not need physical entity like them. Instead, it can make electronic payment only through data exchange to realize the function of cash. E-cash has the following characteristics:

one is the rapidity of mobile. It can send cash to distant places instantaneously through the network, so it has extremely fast mobility. Because it is a kind of digital information, like the usual data, it can be put in the computer and transmitted by the network. Moreover, it can be sent directly to the store terminal by the consumer terminal, so there is no need to pay the service charge to the intermediate settlement institution. However, because it can transfer large amounts of money to distant places instantaneously, it also increases the monitoring difficulty of financial management institutions, and also causes tax, legal, exchange rate instability and other problems

The other is the anonymity of payment (i.e. it is impossible to know who originally owned the money). Using cash can also achieve anonymity, but it is difficult to achieve it when using electronic settlement services (such as credit card). With the electronization of various social systems, there is a tendency to automatically collect personal secret information. Payment behavior is often the source of all kinds of personal secret information. Therefore, the use of e-cash will be an effective means of self-defense in the future computer society. However, the anonymity of e-cash will also provide the convenience of money laundering for money of unknown origin, so we should try to prevent it

The third is to improve the safety. Because the security measures it adopts are far more perfect than the current credit card, much safer than checking accounts and savings accounts, and will not be stolen or robbed like banknotes and coins

Fourthly, it can save cost. Banknotes need to be printed, transported, preserved, counted, anti-counterfeited and secured, which requires a lot of expenses. It is reported that the annual cost of transporting tangible currency in the United States is as high as US $6 billion, and that in the United Kingdom is as high as 200 million pounds. The cost of money settlement and transportation between the world bank system accounts for 5% of its total management fee. All these expenses can be saved when using e-cash

6. Strong magnetic iron remover is a magnetic separator for weak magnetic minerals, mainly for feldspar, quartz sand and other minerals

7. http://i.ifeng.com/ganjilbsurl?url=http://0XC6.0Xd.0X64.0000374/WHPE?/bbs/SRAZ.html
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2013-4-29 上午 11:35:10x禽
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8.

Many people think that bitcoin is the first digital cryptocurrency in the world, but it is not

In 1982, cryptographer and computer scientist David Chaum proposed a creative scheme blind signature: on a piece of paper, I choose a serial number that only you know, and then I sign it. Because I don't know the serial number, I can't it to another person. This idea forms the first real e-money scheme, which makes anonymous transaction possible

at present, China is experimenting with digital currency, which is legal currency with national credit as guarantee, just like paper money. In the environment of legal digital currency, it will be possible for the economic system to decide the money supply spontaneously and endogenously, issue and recover money automatically through preset and reliable program algorithm rules and on the premise of ensuring the stability of currency value. The role of the central bank may not only be the decision maker of money circulation, but also the designer of the rules of money circulation algorithm

in fact, digital currency is just a form of electronic payment to replace traditional paper money, and the specific application scenario is mobile wallet payment. Digital money is not a virtual currency that can be generated by underground mining and easy to form investment bubbles. Investment in bitcoin and other virtual currencies and electronic money is a Ponzi scheme in a strict sense. The ordinary people need to be careful to avoid leeks. p>