The difference between digital currency and third party payment
digital currency is also different from virtual currency. For example, the well-known Q coin and the money recharged in various games are virtual currency. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.
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 bitcoine-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
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 the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.
Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world
digital currencies are generally developed based on blockchain technology, such as bitcoin, lightcoin, Puyin and other cryptocurrencies.
digital money is getting closer and closer. Many people will wonder whether digital money will completely replace cash or completely replace WeChat and Alipay mobile payment? What are the differences between digital money and WeChat or Alipay payment? The following is an analysis
digital money and WeChat Alipay payment. Although they all belong to mobile payment, the two payment methods are very similar. P>
WeChat or Alipay payment
WeChat Alipay payment has become the most commonly used payment. We just take out the mobile phone and open the WeChat or Alipay scan payment code, so that we can do business and shop without cash at all. P>
, but WeChat or Alipay payment is based on the premise that the mobile phone must have signals, but also have the premise of the network. Similar to the current p>
, although there are many ways to pay, similar to some elderly people, or cheap mountain areas, WeChat and Alipay temporarily use difficulties, or need to use cash to achieve a transaction. p>
but after the digital currency comes out, these difficulties can be solved. The elderly and remote mountainous areas can also use digital currency, so they can say goodbye to cash
comprehensive analysis shows that digital money is an upgraded version of WeChat and Alipay mobile payment. Since it is an upgraded version, and it is issued by the central bank, it naturally has its own advantages. WeChat and Alipay do not have these advantages. As long as there are differences between the advantages and disadvantages, there is definitely a difference between the two. The above three points are the biggest difference between them. p>
In recent years, the rise of financial technology drives the digital and intelligent development of finance, and the form of money is also evolving. Recently, the news of digital currency has attracted people's attention, and there is still a lot of gap with the current online payment