Virtual currency bank card or wechat
1、 Different monetary attributes
1. digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing
Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
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
in 2014, the central bank interviewed major domestic third-party payment institutions and required them not to provide clearing and payment services for bitcoin trading platforms. Subsequently, China's bitcoin trading platform's online banking recharge, Alipay, money paid and other recharge methods were interrupted. While some transaction platforms take the way of bank transfer to recharge, some develop their own recharge code, buy recharge code to recharge
at present, some domestic platforms also support Alipay recharge and online banking online recharge, and can not mention bitcoin related information in remarks.
since 2013, the well-known virtual currencies include bitcoin, Laite coin, Fuyuan coin, doggy coin, Ruibo coin, etc.
Once you install a bitcoin wallet on your computer or mobile phone, it will generate your first bitcoin address, and it can generate more addresses whenever you need to. You can tell your friends your address, and they will be able to pay you bitcoin through that address, and vice versa. In fact, this is very similar to how email works, except that bitcoin addresses should only be used once
(1) stored value card: the most common one is magnetic card or IC card. Such as: Telecom ordinary telephone card, supermarket shopping card, campus consumption card, bus card, gas card, etc< (2) bank card: the most common ones are credit card and debit card. The characteristic of bank card is that there is no need to pay in cash, but each payment behavior requires the participation of the bank (such as on the POS machine authorized by the bank) in addition to the participation of both parties. The important feature of credit card is that users can pay within the bank credit line, that is, they can "overdraw", while debit card can not overdraw, they can only "deposit first, then pay"
(3) e-check: e-check is to make all the contents of the check electronic, and realize the transmission and processing of e-check among the drawer, payee, payer, bank, endorser and other relevant parties by means of network through encryption and decryption technologies such as digital certificate and digital signature, so as to realize e-commerce settlement
(4) e-cash: e-cash is the closest electronic currency to cash payment, which is developed to replace the actual cash. Such as mobile phone E-wallet. E-cash can realize the free payment between indivials, and has the characteristics of anonymity, multiple transfer and non tracking.