Electronic digital currency Download
1、 Different definitions:
1. Electronic currency:
refers to the currency paid by electronic means
2. digital currency:
is a virtual currency based on node network and digital encryption algorithm
Electronic currency: Based on computer technology, it can be widely used in the fields of proction, exchange, distribution and consumption. It has many functions such as financial savings, credit and non cash settlement2. Digital currency:
e to some open algorithms, digital currency has no issuers, so no one or institution can control its issuance; Because the number of algorithm solutions is fixed, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency; Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
Third, the same point:the circulation mode of e-money and digital money is two-way circulation
extended data
e-money is the virtualization of the value scale of real money and the function of payment means. It is a kind of money without monetary entity. Electronic currency is an invisible currency based on highly developed electronic technology
the value of e-money is transferred from the consumer to the seller through the sales terminal, and then the seller redeems the money. The e-money held by the merchant is sent to the e-money issuer to redeem the money, or to the bank. The bank debits the corresponding amount on its account, and then the bank settles with the issuer through the clearing institution
electronic money can transfer money value directly among the holders. It does not require the intervention of third parties, such as banks. This is also the essential difference between electronic money and traditional cash card and transfer card. p>
digital currency is an index character RMB, which is a legal encrypted digital currency. It is not only a payment tool, but also a currency. It is essentially different from Alipay and WeChat payment. P> Alipay, WeChat payment and mobile phone banks are all electronic money, is not digital money. These are all payment methods based on electronic accounts, which are in essence just a process of informatization of legal currency, not digital currency in a strict sense. Moreover, it is completely different from q-coin and bitcoin commonly referred to as q-coin and bitcoin, all belong to virtual currency. Compared with digital currency, the most fundamental difference lies in the difference of issuers virtual currency is the electronization of illegal currency, the issuer is not the central bank, and it can only circulate in a specific virtual environment, such as online game currency, which is mainly used for the purchase of virtual goods, but generally does not have security, so virtual trading platforms, such as smart star Witkey, XX one, XX eight, etc., are designed to provide secure trading protection. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency, bitcoin is illegal digital currency
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 currencyfeatures:
< UL >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
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
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
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
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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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
it is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency, which theoretically avoids bureaucratic examination and approval and gives everyone the right to issue currency.