On the payment function of digital currency
the three party payment tools such as digital currency and Alipay and WeChat payment are different. The payment of Alipay and WeChat is a well-known third party payment tool in China. Digital money is also possible in theory, but the market share of digital money in the field of payment is still very low.
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>
The hot sale of applepay payment has caused quite a stir. Convenient digital payment makes "digital currency" a hot topic again as early as January this year, the central bank said that it would actively absorb the important achievements and practical experience of digital currency research at home and abroad, and strive for the early launch of the digital currency issued by the central bank. Recently, central bank governor Zhou Xiaochuan mentioned "digital currency" again in an interview with the media. Obviously, digital currency may not be far away from us
why issue digital currency
" In a few years, cash may not exist; This new trend has overturned many people's usual ideas. However, in order to explore the essence of money, its contractual nature determines that it can have different forms of expression. It is not surprising that money has changed its appearance in different historical periods“ From the perspective of historical development trend, money always evolves with the development of technology and economic activities. From the early physical currency, commodity currency to the later credit currency, it is a natural choice to adapt to the development of human commercial society. " Zhou Xiaochuan, governor of the people's Bank of China, said
many partners who are more interested in investment and financial management may also hear about some digital currencies such as blockchain in their daily life, and there are various subdivisions for these blockchains for example, the blockchain model with or without currency or some data or digital currency will have different performance. From the current point of view, whether some methods of raising some funds through initial issuance are legal or not, such behavior has always existed with the development of blockchain. Moreover, there are no relevant regulations in the law, so there are no clear provisions on whether this kind of behavior is legal or not
we know some concepts of blockchain, but most of them are words like decentralization or leverage. However, the whole operation mode of non currency blockchain is inconsistent with these definitions in principle . Therefore, when you hear about some non currency blockchain, you will feel that this mode is against the law or against the traditional financial investment. There is a great difference between this kind of non currency blockchain and the traditional blockchain, so it can not be called a real blockchain
with the continuous development and progress of society, great changes have taken place in our lifestyle, such as mobile payment and online shopping, which have brought great convenience to our life. Since the birth of online shopping, online payment has become a part of our life
online shopping is convenient, but it is also through the middle of a "invisible" process of payment, such as we bought something on the Internet, first pick out what you love, then you have to pay the problem:
now most people use Alipay is the way of payment, then first Alipay will receive payment request. Then it initiates the protocol to the network, saves the information to the database, and forwards the request to the bank. When the Alipay account shows that the dection is successful, it will have to be connected to the bank through the Internet. Then the buyer will confirm receipt after receiving the goods, so that the buyer will dect the money before transferring to the seller's account. Not only is the transaction process too cumbersome and complex, it is clear that the transaction between the two parties has to go through a series of links. More importantly, once the intermediate payment link collapses, the whole transaction will stop, and the subsequent operation is really troublesome
in fact, the popular explanation is that when I want to buy something, I give the money to the middleman and ask him to help the seller. If the middleman makes any mistakes, it may lead to the situation that the money can not be recovered and the goods can not be obtained
is there any way to simplify the transaction process and improve the transaction efficiency? Yes, the current hot blockchain technology and digital currency payment can better solve the above problems:
blockchain has become one of the hot topics in the past two years. Blockchain can replace the existence of these third-party services:
first, blockchain can not be tampered with. Every transaction will be distributed to each block for record keeping, Then use cryptography to verify, any malicious damage or record deletion will be found, so the whole process of shopping will be seen. Blockchain strengthens the trust, traceability and transparency in the transaction, making our transaction faster and more convenient<
the second is the unique payment characteristics of digital currency:
the decentralization of digital currency can eliminate the intervention of the third party, and there is no need to worry about the problems of the third party, resulting in the whole transaction payment process can not continue
the point-to-point transmission of digital currency saves the time link in the whole payment process and realizes fast payment, so that both parties can receive money quickly and save time
openness and transparency of digital currency: except for cash transactions, all transactions based on online payment are just a series of numbers, and all transactions of digital currency are open and transparent. You can check the transaction records of all payments, which can ensure the security of the overall commodity payment
and like China's booming WeChat, Alipay and other payment platforms, cross-border payment has been realized, but there is a problem that fees will be more expensive than domestic payments, and the settlement cycle will be longer than domestic. In general, efficiency will be slow, time is long, and hand renewal is expensive. Digital money will make traditional transactions "no longer traditional". That will also make cross-border payment more efficient: digital currency is not subject to the "constraints" of any country or bank. Based on blockchain technology, it can just bypass this centralized system with low handling charges, and its point-to-point transmission transaction characteristics can effectively improve the current problems of long-time and high cost of cross-border payment
the times have been developing, and the way of life is constantly improving. Online shopping and payment are born from our development, with both advantages and disadvantages. Then we will try our best to push everything in a better direction
digital currency is on the rise. Although the current digital currency is not perfect, many countries have begun to use digital currency as a payment method. Due to the various characteristics of digital currency, bitcoin, Ethernet, Las Y2, QTP (wechat ID: yingbivc), ASEC and other digital currencies are being actively used. They can not only simplify the traditional online payment transaction process, but also circulate payment around the world and rece exchange rate issues such as handling charges. Don't just look at digital currency with one eye. Maybe in the near future, it will open the era of digital currency full payment!
There are also many differences between the promotion of digital currency and wechat payment. It does not have an Internet giant like Tencent, nor does it have an investment ecosystem under Tencent. Digital currency mostly cooperates with local governments. At present, digital currency prefers the offline scheme. In the three rounds of pilot projects in Shenzhen, the red packets of digital currency are only used offline, while in the pilot projects in Beijing, the red packets of digital currency are only used offline, It is also limited to offline use. At present, only Suzhou's online payment scheme has made a breakthrough. In Suzhou's digital currency pilot project, Jingdong digital currency has become the first technology company to cooperate with all six major banks, and is the pilot consumer scheme of digital currency e-commerce platform
Exploring online payment scheme is also one of the directions of the next digital currency pilot project although digital currency has been connected to various business schemes, they are all third-party schemes rather than proprietary business schemes if digital currency wants to break the third-party payment barriers and offline & lt; Code card & quot; For digital currency, acquiring new users is not the current challenge. How to retain users is a difficult problem in promotion. A Shenzhen citizen who won the red envelope of digital currency told time, After using the red envelope of digital currency for offline consumption, the related apps are unloaded, and no other available solutions have been found. Therefore, the biggest challenge faced by digital currency is how to achieve user retention and breakthrough in the environment of a few technology companies dominating the micro payment market, This is how to build a self operating ecosystem for the government and how to cultivate the use habits of market users