Does credit card belong to digital currency
Digital assets and digital currency are not the same thing
Digital assets refer to the non monetary assets owned or controlled by enterprises or indivials in the form of electronic data and held in daily activities for sale or in the process of proction. The emergence of digital assets benefits from office automation, digital assets rely on the development of electronic payment system, its prospects are predictable2. Digital currency
digital currency refers to the digitization of currency. Digitization doesn't mean scanning. This is just like digital signature. Digital signature does not mean scanning your signature into a digital image, or using the touchpad to obtain the signature, let alone your signature
digital currency is often mistaken for virtual currency. But virtual currency refers to non real currency. For example, when you play "Three Kingdoms" (game) or "grand Voyage", you have money, and that money is virtual. Of course, the virtual money will also have its real value
for example, if you buy her / his account from another player, you can get all the virtual assets of that player, and then it will be much easier for you to continue playing. Virtual money is not necessarily digital. For example, children play games with pebbles as virtual currency
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characteristics of digital assets:
1. High price. Because these application software with special purpose is specially developed for a specific work, its cost is relatively high, and its price is not lower than the price of fixed assets of factory buildings
(2) strong attachment. Application software must be supported by computer hardware and system software in order to play its role3. Strong interaction. Even the simplest application software also has some interactive functions, such as the error prompt to the operator, which is the most basic advantage of IT instry procts
The quantity is infinite. Digital assets as assets are scarce (because not all enterprises or indivials can create digital assets), but its supply can be unlimited. However, tangible assets are always limited e to the limitation of property and storage space Cost decreasing. The proction cost of tangible assets is positively proportional to the proction quantity References:
Network: digital assets
Network: digital currency
as a means of payment, most e-money can not be separated from cash or deposit. It is transmitted and transferred by electronic means to pay off creditor's rights and debts and realize settlement. Therefore, the function and influence of e-money at present is essentially the relationship between e-money, cash and deposit
at present, there are four types of popular electronic currency in China
1. Stored value card electronic currency. Generally, it appears in the form of magnetic card or IC card. Besides commercial banks, it is also issued by telecommunication departments (ordinary telephone card, IC telephone card), IC enterprises (network card), commercial retail enterprises (various consumption cards), government organs (internal consumption IC card) and schools (Campus IC card). After the issuer receives the customer's funds in advance, it issues the equivalent stored value card, which makes the stored value card a new "deposit account" independent of the bank deposit. At the same time, the stored value card in the customer consumption to dect the way to pay fees, which is equivalent to the deposit account payment currency. At present, the deposits in the stored value cards are not included in the central bank's reserve requirements. Therefore, the stored value cards can rece the demand for cash and current savings
2. Credit card applied electronic currency. It refers to the credit card or quasi credit card issued by commercial banks, credit card companies and other issuers. The loan can be consumed within the credit limit specified by the issuer, and then the repayment can be made at the specified time. The widespread use of credit cards can expand consumer credit and affect money supply
3. They are mainly debit cards, electronic checks, etc., which are used to withdraw cash, transfer settlement and transfer funds from bank deposits in an electronic way. The widespread use of this kind of electronic payment method can rece the cost of consumers to and from the bank, rece the balance of cash demand, and speed up the circulation of money
4. Cash analog electronic currency. There are mainly two kinds: one is e-cash which is based on the Internet environment and keeps the binary data representing the value of money in the hard disk of the computer terminal; One is the electronic wallet that keeps the monetary value in the IC card and can be circulated without the bank payment system. This kind of e-money has the characteristics of anonymity of cash, can be used for payment between indivials, and can change hands many times. It is developed for the purpose of replacing entity cash. The expanding use of this kind of electronic currency can affect the currency issuing mechanism, rece the seigniorage income of the central bank, and rece the scale of assets and liabilities of the central bank
Credit card is money, which belongs to electronic money in credit money
e-money is one of the forms of credit money, which uses computers or stored value cards to carry out financial transactions and payment activities, such as various credit cards, stored value cards, e-wallets, etc. In addition, it can be operated by computer, ATM or telephone to supplement the amount of money stored
the form of credit currency:
1. Promissory note
in commodity credit transaction, when a capitalist purchases a certain commodity, he only needs to issue a debt certificate to the other party to pay the debt regularly. When e, the holder can ask the drawer for cash according to the face value
2. Banknotes are proced on the basis of commercial paper circulation and guaranteed by bank credit, which is also a kind of credit currency
Check has become the main form of debt payment and transfer settlement between depositors instead of currency The subsidiary coins are mostly made of base metals, which are generally issued exclusively by the government and minted by a special mint Paper money is issued by the Central Bank of a country, and its main function is to undertake the purchase means of people's daily necessities6. Bank deposit is the creditor's right of the depositor to the bank, which is also the debt currency for the bank
Electronic money is usually used for financial transaction and payment by computer or stored value card
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precautions for safe use of credit card:
1. Learn the correct consumption card swiping posture
first is to set the password for the payment of silver cards carefully, and do not use simple numbers, ID number, birthday date, telephone number as passwords, so as to avoid being deciphered by criminals. Secondly, when swiping the card for consumption, "eyes should be clear" to ensure that the card is in their own line of sight, and the operation should be blocked when entering the password, so as to prevent criminals from peeping
The third-party intermediary should be careful when handling credit cardsthe Bank of China has not entrusted a third party to handle any credit card. The information you hear and see, especially the information of high value card, is illegal. Do not listen to it. Once the cash out occurs, the credit card account will be frozen and the legal responsibility will be investigated
3. If you want to transfer money by SMS, you should be suspicious
prevent Telecom fraud, and keep a high vigilance on suspicious calls, points exchange, credit increase, judicial investigation and other information. Public security organs do not set up security accounts, let alone let people transfer money to security accounts
4. Don't click the pop-up links of web pages and SMS
many criminals use the fake base station to fake the official customer service number of banks and telecom operators to send short messages or make phone calls to cardholders, to lure cardholders to dial the phone number specified in the fake short messages, or to click on the pop-up link, so as to further lure cardholders to transfer money
5, the number on the back of the card and SMS verification code, don't give it
don't tell others the important payment information of the credit card, such as card number, validity period, digital verification code on the back of the card, mobile phone verification code and so on, especially the digital verification code on the back of the card
6. Don't touch the online illegal trading of credit cards
the bank card is for personal use only, and can not be rented or lent. The process of buying and selling credit cards may be accompanied by illegal holding a large number of credit cards, buying and selling ID cards and other illegal activities
credit card is the carrier of real money, which is basically equivalent to wallet (although it costs other people's money first), and has no value in itself
PS: but the cost of card replacement is 80 yuan.
credit card is credit currency, a payment tool, relying on the credit of consumers. The definition of money is a commodity which is separated from the commodity and acts as a general equivalent. The essence is commodity. So credit card is not a general equivalent, not a commodity.
strictly speaking, only precious metals such as gold and silver are money
while paper money is only a
currency symbol
credit card is not money
e-money in credit card
is the currency symbol