When will five elements digital currency e-wallet open
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions, and it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.
The digital currency wallet is the hardware wallet, which means that the private key of digital assets is stored in a single chip, isolated from the Internet, plug and play. Hardware wallet can't guarantee 100% security. For example, if a geek gets your hardware wallet and doesn't know your private key, it may be cracked by violence. It's just one of the safest storage methods compared to other storage methods
many block chain entrepreneurs at home and abroad are optimistic about the development of this field, so they begin to build more hardware wallets. In the case of the exchange being stolen a lot of money and the software wallet being stolen from time to time, many investors regard the hardware wallet as the last moat
extended information:
whether the hardware wallet is safe
the hardware wallet can not guarantee 100% security. For example, if a geek obtains your hardware wallet, it may be cracked violently even if it doesn't know your hardware wallet immediately. It's just one of the safest storage methods compared to other storage methods
of course, there are exceptions, such as you have unlimited brain power and never forget. It's better to save it anywhere than in your own mind
full name of e-cash: electronic cash. Also known as e-money or digital cash, it is a very important electronic payment system. It can be regarded as the electronic or digital simulation of real money. E-cash exists in the form of digital information and circulates through the Internet. But it is more convenient and economical than real money. Its simplest form includes three main bodies: business, user and bank; And four security protocol processes: initialization protocol, withdrawal protocol, payment protocol, deposit protocol. The first e-cash scheme was proposed by Chaum in 1982. It uses blind signature technology to realize it, which can completely protect the privacy of users. But this kind of completely anonymous e-cash also provides convenience for many criminals. They use the complete anonymity of e-cash to carry out some illegal and criminal activities, such as corruption, illegal purchase (such as buying drugs, arms, etc.), extortion, etc. Even if the police get the stolen money, they can't catch the criminals. For this reason, a reasonable e-cash system should be incomplete or conditional anonymous. In 1995, Stadler and others proposed the concept of fair blind signature, which can be used in conditional anonymous payment system. In 1996, Camenisch et al. And Frankel et al. Independently proposed the concept of fair off-line electronic cash for the first time, and gave two schemes. The anonymity of users in fair e-cash is incomplete. It can be revoked by a trusted third party (TTP), so as to prevent criminal activities by using the complete anonymity of e-cash
e-wallet is a common payment tool in e-commerce shopping activities, which is suitable for small amount shopping. Electronic money stored in electronic wallet, such as electronic cash, electronic change, electronic credit card, etc. Shopping with E-wallet. It usually needs to be done in the E-wallet service system. In e-commerce activities, the software of e-wallet is usually provided free of charge. At present, there are visa cash and Mondex e-wallet service systems in the world. Other e-wallet service systems include MasterCard cash, europay's clip and Belgium's proton
e-wallets usually have accounts in the bank. When using e-wallet, users first install the corresponding application software. In the software system, there is a function management mole of e-money and e-wallet, which is called e-wallet manager. Users can use it to change the password or the way of confidentiality, and use it to view the accounts, lists and other data of e-money transactions on their bank accounts. The system also provides an electronic transaction recorder, customers can understand their own shopping records by querying the recorder
e-wallet is a kind of electronic payment tool commonly used by online shopping customers in e-commerce activities. It is a new type of wallet commonly used in small amount shopping or purchasing small goods. Recently, e-wallet has been a hot topic in e-commerce activities all over the world, and it is also an important tool to realize global electronic transactions and Internet transactions. Many countries around the world are building e-wallet systems to replace the mode of cash transactions. At present, China is also developing and developing e-wallet service systems
1. Main functions of e-wallet
(1) personal data management
after a consumer successfully applies for a wallet, the system will open a personal e-wallet file in the E-wallet server, in which the consumer can add, modify and delete personal data
(2) online payment
after consumers choose goods online, they log in to the E-wallet, select the online bank card, and send payment instructions to the "financial union" payment gateway for payment
(3) transaction record query
consumers can query all the historical transaction records of payment through the "financial union" E-wallet
(4) bank card balance query
consumers can query personal bank card balance through the "financial link" E-wallet
(5) merchant site links
"financial union" e-wallet contains many merchant site links, through which users can directly log in to the merchant site for shopping.
E-wallet is a common payment tool in e-commerce shopping activities. Electronic money stored in electronic wallet, such as electronic cash, electronic change, electronic credit card, etc
e-wallet has two concepts:
one is pure software, which is mainly used for online consumption and account management. This kind of software is usually connected with bank account or bank card account
the second is the smart stored value card of small amount payment, in which the cardholder deposits a certain amount in advance and directly dects the transaction amount from the stored value account ring the transaction
extended data
shopping with E-wallet. It usually needs to be done in the E-wallet service system. In e-commerce activities, the software of e-wallet is usually provided free of charge. There are two online e-wallet service systems, visa cash and Mondex
the personal data of e-wallet users are stored in the server, and the security is ensured through technical means. No personal data is stored on the personal computer, so as to avoid the risk of data leakage
E-wallet is a part of secure electronic transaction (set). It is a kind of computer software, which allows consumers to conct electronic transactions and store transaction records. Before concting secure electronic transactions on the Internet, consumers must first install an electronic wallet that meets the security standards
e-wallet has two concepts: one is pure software, which is mainly used for online consumption and account management. This kind of software is usually connected with bank account or bank card account. The second is the smart stored value card of small amount payment. The cardholder deposits a certain amount in the card in advance, and directly dects the transaction amount from the stored value account ring the transaction
when cardholders use Great Wall card for online shopping, the cardholder's information (such as account number and expiration date) and payment instructions can be encrypted and verified by e-wallet software. E-wallet can run on the browser software of Microsoft, Netscape and other companies. If the cardholder wants to conct secure electronic transactions on the Internet in accordance with the set standard, he must install an electronic wallet in accordance with the set standard
e-wallet users usually have accounts in the bank. When using e-wallet, users first install the corresponding application software. In the software system, there is a function management mole of e-money and e-wallet, which is called e-wallet manager. Users can use it to change the password or the way of confidentiality, and use it to view the accounts, lists and other data of e-money transactions on their bank accounts. The system also provides an electronic transaction recorder, customers can understand their own shopping records by querying the recorder. The use of e-wallet in online shopping needs to be carried out in the E-wallet service system. E-wallet software in e-commerce activities is usually provided free of charge. Users can directly use the E-wallet software on the server of e-commerce system connected with their own bank account, and they can also use the E-wallet software on the Internet through various confidential ways. There are two e-wallet service systems in the world, visacash and Mondex. Other e-wallet service systems include mastercardcash, europay's clip and Belgium's proton
customers who use e-wallets usually have to open an account with the relevant bank. When using the E-wallet, the E-wallet can be installed on the e-commerce server through the relevant e-wallet application software, and the data on various e-currencies or e-financial cards can be input by using the E-wallet service system. In the event of collection and payment, if the customer needs to pay by electronic credit card, such as visa card or master card, the customer only needs to click the corresponding item (or icon) to complete the payment. This electronic payment method is called click or click payment method
e-wallet can only be fully loaded with e-cash, e-change, secure change, e-credit card, online currency, digital currency, etc. These electronic payment tools can support click payment
in the e-commerce service system, there is a function management mole of e-money and e-wallet, which is called walletadministration. Customers can use it to change the password or method of confidentiality, and use it to view the e-money accounts, lists and data in their bank accounts. There is also an electronic transaction recorder in the e-commerce service system. Through the query recorder, customers can know what they have bought, how much they have bought, and print out the query results