Has the digital currency wallet of China Construction Bank come
CCB responded that on the evening of August 28, CCB carried out the relevant function test on the mobile banking system, and now the test has ended
in response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28. At present, this test has ended. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially released
CCB said that the current network information is the test content in the process of technology research and development, which does not mean that the digital RMB is officially launched. The current closed test of digital RMB will not affect the commercial operation of listed companies, nor will it affect the RMB issuance and circulation system, financial market and social economy outside the test environment
extended data
previous situation review
on August 29, the reporter found that the Construction Bank app has added two submenus of "digital wallet recharge" and "digital currency"
however, click the digital wallet recharge mole on the CCB app of users in Beijing area, and "this function is not open yet, please look forward to it"; Click the digital currency mole to display "this function has not officially provided external services, please look forward to it"
according to a source, this function may only be available in some test areas. In addition, for users who have already recharged their digital RMB wallets at CCB, CCB customer service said that the system will automatically cancel the opened digital RMB wallets, and the money transferred by users will be returned to the bound savings account before 24:00 on August 30
CCB said that on the evening of August 28, CCB carried out relevant functional tests in the mobile banking system, and this test has been completed. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially released. At present, digital RMB is still under test, but the landing time is still unknown. The central bank has also said many times before that the internal closed pilot test does not mean that digital RMB is officially launched{ RRRRR}
With the rapid development and popularization of network technology, people's life has almost undergone earth shaking changes. Many things that were extremely cumbersome and impossible in the past have become extremely convenient in today's changing network technology. Take the payment method as an example, the goods transactions of all dynasties are inseparable from the issue of coins, which is also the case for us in modern times. RMB, which is the most inseparable in our life, has been issued since 1948 for more than half a century, and its position in our daily life is needless to say
digital currency wallet is not classified, it's just a menu . On August 29 this year, China Construction Bank added & lt; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus in fact, the concept of digital currency has been mentioned for several years. Although is just a test, this activity makes people excited. Is it true that the digital currency that they are thinking about will be issued? But just excited soon, I found that the two submenus were offline. In response, CCB said to the media: CCB has carried out relevant function test in the mobile banking system. At present, the test is over. At present, Internet information is the testing content in the process of technology research and development, does not mean that digital RMB is officially released moreover, the digital currency Research Institute of the people's Bank of China has indicated that it can realize the circulation of digital currency between different user clients in the transaction process through technical solutions, generation of new digital currency, cancellation of old digital currency, etc
Recently, many people said they found search in CCB's app; Digital currency & quot; Can jump to the relevant page, holding CCB card users can directly open. But the system then shut down the content. CCB related personnel said that the CCB app has tested the digital RMB wallet and completed the test on the 28th. Although the test has been completed, it does not mean that the digital RMB has been officially issued
for the time being, the benefits of digital people are more reflected in traceability. For example, where the banknotes are taken out of the bank, they cannot be tracked quickly and accurately. And every transfer of digital RMB will have a transaction, which greatly reces the risk of counterfeit banknotes. And then China's invisible rich will flow out of the water. All assets can be effectively monitored by the state. Fraud and other economic crimes will also be greatly reced. More importantly, it can make the state better supervise and rece corruption
Through POS (supporting e-cash) and micro payment terminal for consumption
the e-cash account funds in CCB's financial IC card can be withdrawn through the counter under normal conditions, card replacement (non loss reporting, card replacement) and account cancellation (non loss reporting, account cancellation), and you can also consume the e-cash account funds through POS (supporting e-cash) and small amount payment terminal
if the balance of the e-cash chip is readable, the funds will be transferred to the main account ring card replacement; If it is unreadable, the fund will be transferred to the main account after 30 days. During this period, the new card that has been renewed is not allowed to close the account, and the e-cash account can not be used temporarily
precautions
1. E-cash account is a debit account with non real name, no secret verification, no loss reporting and no interest calculation. It only supports the functions of deposit, consumption and query
2. No password or signature is required for consumption. It is suitable for small retailers or places requiring quick payment. The specific places supporting the use of e-cash should be determined according to different branches
3. If there is a balance in the e-cash account of dragon card credit card UnionPay chip card, e-cash consumption will be carried out on the acceptance terminal with UnionPay flash payment logo within the validity period of the card