What is the relationship between digital currency and e-wallet

1. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and obtaining data representing the same amount, or the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic means, so that transactions can be carried out. Strictly speaking, it is a kind of currency that consumers use the bank's Internet banking service to store value and make quick payment to the issuers of electronic currency, and make consumers trade electronically through media (two-dimensional code or hardware equipment)

digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. Digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form

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2.

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 settlement

2. 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>

3.

1. Application of different

digital currency: fast, economic and safe payment and settlement; Bill finance and supply chain finance; The real right of collateral is digitalized

e-money: the seller sends the buyer's payment instructions to the seller's acquiring bank through the payment gateway; The acquiring bank obtains the authorization from the issuing bank through the bank card network, and sends the authorization information back to the seller through the payment gateway; After obtaining the authorization, the Seller shall send the buyer the shopping completion information. If payment acquisition and payment authorization cannot be completed at the same time, the seller should send payment acquisition request to the acquiring bank through the payment gateway, and transfer the transaction funds from the buyer to the seller's account. The final inter-bank settlement is completed by the payment system between banks

2. Different characteristics

digital currency is characterized by low transaction cost, fast transaction speed and high anonymity

e-currency is characterized by anonymity, saving transaction cost, saving transmission cost, small holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, and non traceability

Digital currency can be divided into three categories: completely closed, unrelated to the real economy and only used in specific virtual communities, such as world of warcraft gold; It can be purchased in real currency but not converted back to real currency, and can be used to purchase virtual goods and services, such as Facebook credit; It can exchange and redeem with real currency according to a certain ratio. It can purchase both virtual goods and services and real goods and services, such as bitcoin

e-money: e-cash based on the Internet environment and keeping the binary data representing the value of money in the hard disk of the computer terminal; An electronic wallet that keeps the value of money in an IC card and can be circulated out of the bank payment system

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:

< 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

< / UL >

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. Electronic money, like what Alipay is, is an electronic currency transaction.
digital currency, bitcoin? There is no real value.

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time of establishment: November 2, 2017
registered capital: RMB 5 million
Instrial and commercial registration number: 440300202801137
enterprise type: limited liability company
address: 1708-1, 17th floor, Tianli Central Plaza, Haide Third Road, Yuehai street, Nanshan District, Shenzhen City

7.

E-cash is a technology to simulate cash in electronic form

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

First, e-cash overview:

e-commerce is a business activity carried out through the Internet. A key requirement for e-commerce is to have a safe and efficient e-cash system. Since D. Chaum published his first paper on e-cash system in 1882, he has made a lot of achievements in the research of e-cash system

Second, e-wallet overview:

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

extended data:

I. characteristics of e-cash:

1. There should be agreement and authorization relationship between banks and businesses

2. Users, businesses and e-cash banks all need to use e-cash software

E-cash bank is responsible for the transfer of funds between users and businesses

4. E-cash is anonymous to users, and the use of e-cash consumption can protect users' information

Second, the characteristics of e-wallet

1. Security: the personal data of e-wallet users are stored in the server, and the security is ensured by technical means. No personal data is stored on the personal computer, so as to avoid the risk of data leakage

2. Self: after successfully applying for wallet, consumers have their own files on the server. When they travel or go on business, they can pay online without carrying the E-wallet information

3. Convenience: the E-wallet has many merchant site links, through which consumers can directly enter the merchant site for shopping

4. Fast: it only takes 10-20 seconds to complete the normal processing of a payment instruction through the electronic wallet (depending on the network and communication)

8. 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

e-wallet is a kind of payment tool commonly used by customers in e-commerce shopping activities. It is a new type of wallet commonly used in small amount shopping or purchasing small goods. Shopping with e-wallet usually needs to be done in the E-wallet service system. The software of e-wallet in e-commerce activities is usually provided free of charge. You can directly use the E-wallet software on the e-commerce system server connected with your own bank account. You can also upgrade it from the Internet and use the E-wallet software on the Internet in various confidential ways. At present, there are two e-wallet service systems visacash and Mondex in the world, and other e-wallet service systems include mastercardcash, europay's clip and Belgium's proton.

customers who use e-wallets usually have accounts in the bank. When using the E-wallet, you can install the relevant application software on the e-commerce server, and use the E-wallet service system to input the data on your various e-currencies or e-financial cards. In the event of collection and payment, if the customer wants to pay by electronic credit card, such as visa card or MasterCard card, the customer only needs to click the corresponding item (or icon) to complete the payment. People often call this electronic payment method click or electric shock payment

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 e-wallet manager. Customers can use it to change the secret password or secret method, and use it to view the e-money account, list and data of their own bank account. 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

although the use of e-wallets often starts from a centralized city or instry, if different instries and regions develop their own e-wallets, GM will become an important issue. The common effect brought by the unified standard makes different e-wallet terminals can be shared at low cost, which is an important prerequisite for the cross instry and cross regional development of E-wallet. As far as China is concerned, the financial IC card standard of the people's Bank of China has formulated the standards of e-wallet and e-passbook, which has laid a foundation for the development of unified e-wallet in China. At present, there is no non-contact standard in the standard, that is to say, the standard can not enter the largest application field of e-wallet transportation, so it needs to be further improved

at present, e-wallets in China can be roughly divided into two categories: instry e-wallets (or quasi e-wallets) evolved from instry cards and general e-wallets issued by banks. Due to the history and the existing system, the public transport instry is the most developed field of the instry card, and also the cradle of the instry E-wallet

at present, various large and medium-sized cities in China are implementing bus card projects, with different standards and implementation methods The rapid development of the bus card instry in Shanghai and Guangzhou is mainly e to the large population base, and its transaction volume and deposited funds can bring relatively rich profits to the project. According to incomplete statistics, there are more than 7 million public transport "all-in-one cards" currently issued in Shanghai, and more than 2 million "Yangchengtong" currently issued in Guangzhou. The total number of traffic cards in the two cities has exceeded 10 million. In addition, because traffic cards, especially those applied across instries, involve the image of urban information management and the vital interests of citizens, The government usually has a certain enthusiasm for promotion. Beijing, Wuhan, Nanjing, Jinan and other big cities and small and medium-sized cities are also implementing bus cards to varying degrees. Even small cities such as Wuxi and Suzhou are actively implementing "inter city connection" with Shanghai. It can be seen that the development trend of all-in-one bus card is good

another instry e-wallet comparable to the bus card is the catering card and the commercial card used in supermarkets and department stores. This type of card is generally used for public consumption, or the company's welfare to employees, and has special advantages in marketing that other instry cards can't match

in foreign countries, the general e-wallet is regulated by financial institutions, but China lacks the corresponding legal norms of E-wallet. Therefore, there are no rules for all kinds of instry cards to enter the field of micro payment and become a general e-wallet, which can only be graally infiltrated. Shanghai's all-in-one bus card has been used to pay for water, electricity, gas, etc., and can also be used for shopping in some supermarkets. Basically, the same is true for catering cards and commercial cards<

except for Instry cards, IC cards issued by banks according to the financial IC card specifications of the people's Bank of China are basically universal e-wallets conforming to PBOC standards. Such as Beijing's peony transportation card, Bank of China's petrochemical gas card and so on

although the bank e-wallet has appeared since the 1990s, it has not been widely promoted in practical application. So far, the circulation of pure bank e-wallets (excluding co branded cards) is only over 2 million

considering the overall income of commercial banks, e-wallet, like debit card, can absorb deposits without interest payment, and does not occupy the bank's back office system and communication resources. However, there are still some difficulties in the promotion of E-wallet. First of all, like the United States, the cost of communication in China is much lower than that in Europe, and the cost advantage of e-wallet offline transaction is negligible. In the field of micropayment which can be entered by bank debit card and credit card, e-wallet has no other advantages except the advantage of transaction speed. Secondly, at present, the micro payment fields that require high transaction speed mainly include expressways, parking lots, subways, buses, taxis and fast food restaurants. Contactless cards are more practical. However, there is no contactless standard for bank e-wallet, so its application in some micro payment fields is limited. In addition, in terms of marketing means, one of the important reasons why the instry card can be promoted is that it can issue commercial invoice, and group purchase forms the main channel of stored value card sales, while Bank e-wallet does not have the marketing channel of group purchase. Therefore, for the bank e-wallet with pure payment function, banks are very cautious in their investment

of course, e to the need of horizontal competition, some instries have begun to open their own business platforms, making full use of the advantages of payment function of financial e-wallet to attract more consumers

e-wallet is widely used, which brings people a lot of convenience!!