Implementation of digital currency and electronic payment

1. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence
digital currency is also different from virtual currency. For example, the well-known Q coin and the money recharged in various games are virtual currency. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.

2.

Digital currency is likely to change the current world monetary pattern and become the mainstream of currency in the future

the essence of money is a tool to measure the price, from the most primitive shells, later copper coins, gold and silver, and now paper money. They do not have the value attribute, but when people give it the value measurement standard, it acts as a tool to measure the value. They are credit currencies. It is because of the strong credit endorsement of the state that the public recognizes them as the medium of goods exchange

this also means that you can go out later without anything. As long as you have money in your digital currency, you can buy anything you need. Later, with the development of the Internet of things, everything will be connected, and your clothes, shoes and bags may become the carrier of digital currency

at present, digital currency is still in the exploratory stage, and its use is still to download app, and then use it. Recently, Shenzhen has issued several rounds of red packets, each user can get 200 yuan red packets, which can be used in designated shopping malls, supermarkets, restaurants and many other places, and some enterprises use it to pay wages, and large-scale pilot will be implemented in the future

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3.

Recently, there is relevant news that the central bank's digital currency is about to fall, which has attracted most people's praise. The relevant person in charge of the digital currency Research Institute said that the research and development of digital RMB is steadily advancing. At present, closed pilot projects have been carried out in Shenzhen, Suzhou and other places, and the functions are being continuously optimized and improved< Strong> after the central bank issues digital money, the daily payment will no longer need real name, nor do it need to use Alipay and WeChat to pay. It will bring great convenience to our life, and at the same time, it will change a lot. RRRRR}

the issue of digital currency is a trend, which will bring convenience to our lives. It also indirectly reflects the development of currency and social progress. After the use of digital currency, there will be a severe crackdown on crimes and other acts. The difficulty of money laundering will increase and criminal acts will be reced. The flow of money can be effectively queried through mobile app records, which has a great impact on social life

4.

1. Digital currency

digital currency is an alternative currency in the form of electronic currency. Both digital gold coin and password currency belong to digital currency

digital currency 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

features: the use of P2P peer-to-peer network technology to issue, manage and circulate currency theoretically avoids bureaucratic examination and approval, so that everyone has the right to issue currency

Electronic money means that a certain amount of cash or deposit is exchanged from the issuer and the data representing the same amount is obtained. By using some electronic methods, the data is directly transferred to the payment object, so that the debt can be paid off. Strictly speaking, consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form. In short, when we deposit money into our bank account, there will be an extra number in the bank account, which means how much money we have saved. In this process, we give the banknotes in our hands to the bank, and the bank adds a number to our bank card, which is our electronic currency

features:

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e-money and paper money (or physical money) can be easily converted to each other

the data of electronic currency corresponds to the same amount of physical currency

we need to pay physical money to the issuers of e-money (banks and other financial institutions) in order to exchange for the same amount of e-money

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3. The similarity between digital currency and electronic currency: both exist in the form of electronic data

The differences between digital currency and electronic currency are as follows:

electronic currency has an issuing institution, and the corresponding amount of physical currency in the institution can be exchanged with physical currency; However, digital currency has no specific issuing institution (decentralization) and can only exist in network data

at present, there is no international consensus on whether digital currency is a currency or not, so in China, the main form of digital currency is "investment proct", which is a rather risky investment proct, and only a few businesses are willing to accept digital currency consumption; Of course, some countries (Germany, etc.) have officially recognized the currency status of digital currency

5. There are many advantages in parallel of digital currency and electronic payment.

6. The issue of digital currency has many benefits and is imperative. According to the central bank, digital money and paper money will coexist for a long time to come. When people go to the bank to withdraw money, they can not only withdraw cash directly, but also exchange it into digital currency. In Xiaobian's opinion, the establishment and issuance of digital currency system can not only make people's transactions more convenient and safe, but also graally weaken the proportion of paper money in the real circulation, which will also have a positive impact on the electronic disk of postal money card
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. In the new environment of payment and circulation, the traditional paper money will become a symbol of an era and a memory of people. The paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer coins will also stimulate their prices to rise in this situation. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management, which is worth looking forward to Sohu)
however, digital currency does not have to be used for payment. Some domestic application-oriented digital currencies have begun to find another shortcut and come out with a different truth. For example, coin Ying China crowdfunding project token; Puyin group launched the tea based digital currency Puyin.

7. 24h volume refers to the trading volume of the currency within 24 hours. Generally speaking, the larger the trading volume, the more active the transaction, and the stronger the liquidity of the currency.
look at today's volume:

8. 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 currency and virtual currency are collectively referred to as digital currency. 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
means of payment
the process of digital currency trading through the platform is as follows:
(1) investors should first register their accounts and obtain digital currency accounts and US dollar or other foreign exchange accounts
(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 buy requests and sell requests according to the rules and start to match them. If they meet the requirements, the transaction will be concluded
(4) a buy or sell request may be partially executed e to the difference between the buy and sell volumes submitted by users.

9. Electronic money:
electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and the acquisition of data representing the same amount. By using some electronic methods, the data is directly transferred to the payment object, so that the debt can be paid off. Strictly speaking, consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form. In short, when we deposit money into our bank account, there will be an extra number in the bank account, which means how much money we have saved. In this process, we give the banknotes in our hands to the bank, and the bank adds a number to our bank card, which is our electronic currency
digital currency:
is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. It can not be completely equivalent to the virtual currency in the virtual world, because it is often used for real goods and services transactions, not limited to online games and other virtual space. On January 20, 2016, the people's Bank of China held a seminar on digital currency, announcing that it is developing and striving for the early launch of digital RMB. At the meeting, many experts discussed the overall framework of digital currency issuance, national digital currency in currency evolution, cryptocurrency issued by the state, etc
"the issue of digital currency will make China's economy programmable to a certain extent, and make the economic and financial regulation and control have a clearer direction. The whole network distributed accounting mode implemented by digital currency will effectively enhance the credit of China's economy." However, Yao Qian, deputy director of the science and Technology Department of the people's Bank of China and head of the preparatory group of the digital currency Research Institute, also told the media that there is no timetable for the issuance of legal digital currency at present
the number in the bank is essentially the deposit currency
the cash currency (paper money and coins) issued by the central bank and the deposits deposited in the bank are also regarded as a kind of currency because they can be settled at any time and have the settlement and payment function of currency
as for the so-called digital currency, at present, it is considered to be legally compulsory compared with the above analogy of cash currency. It is backed by the state or regional power
the number of banks (all kinds of deposits, i.e. deposit currency) whether through the counter passbook processing or online banking e-billing services. All of them are backed by the bank's own credit and the deposit insurance system after the marketization of interest rate. It does not have the legal compulsory effect, but has the similar liquidity because it can cash most of the time
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