Is the money in the bank card a virtual currency
Alipay's money is equivalent to a margin account, no interest, but there are restrictions on usage. If it is bound with a bank card, it is money after withdrawal.
virtual currency and electronic currency are not the same concept
the definition of e-money is to convert a certain amount of cash or deposit from the issuer and obtain data representing the same amount. By using some electronic methods, the data can be directly transferred to the payment object, so as to pay off the debt. E-money means that consumers pay traditional money to issuers of e-money, and issuers store legal money of equal value with traditional money in electronic devices held by consumers
electronic currency is the electronization of the legal tender, including our common bank cards, Internet banking, electronic cash, etc., as well as the third party payment developed in recent years, such as Alipay, fortune paid and so on. No matter what form these electronic currencies are and through which institutions they circulate, their original source is the legal money issued by the central bank
but virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q currency and other game currency, such virtual currency is mainly limited to circulation in a specific virtual environment. After the emergence of bitcoin, through the blockchain technology to better solve the problem of decentralization, distrust, to achieve global circulation, is sought after in the world. Electronic currency and virtual currency are collectively referred to as digital currency
The differences between e-money and virtual money are as follows:
1. Electronic money refers to using a certain amount of cash or deposit to exchange from the issuer and obtain data representing the same amount, or through the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic ways, 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)
Virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum" The detailed explanation of electronic currency is as follows:1. Concept: it is an encrypted serial number representing cash, which can be used to represent the currency value of various amounts in reality. With the transformation from paper-based economy to digital economy, e-cash will become the mainstream
2. Features: anonymity, transaction cost saving, transmission cost saving, low holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, non traceability
There are two kinds of e-cash: one is based on the Internet and keeps the binary data representing the value of money in the hard disk of the computer terminal; One is the electronic wallet that keeps the monetary value in the IC card and can be circulated without the bank payment system4. Definition: 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
Zhongmou, an employee of an Internet technology company in Haidian District of Beijing, took advantage of his position to steal 100 bitcoins from the company by inserting code with the permission of the administrator to modify the application program in the company's server. In March 24th, the procuratorial organ of Beijing city was informed by the people's Procuratorate of Haidian District that the procuratorial organ approved the arrest of the suspect Zhong Mou in accordance with the law on suspicion of illegally obtaining the data of computer information system. p> According to the prosecutor, bitcoin and other "virtual currencies", as a new Internet financial concept, have attracted much attention. The central bank once issued a risk warning on "virtual currency", stressing that China has not issued any virtual currency, nor authorized any institution or company to issue it, let alone a promotion team, At present, "virtual currency" in the market is non legal virtual currency
this case is the first case of bitcoin theft in Beijing. Although it is difficult to determine the value of bitcoin from a legal point of view, it will also violate the law if it goes beyond its authority and illegally modifies the functions of computer information system, causing economic losses such as maintenance< br />
types
stored value card
1. Concept: refers to IC card or magnetic card issued by a certain instry or company to replace cash. Such as telephone recharge card, China travel, etc
credit card
1. Concept: it is a kind of credit certificate issued to consumers by banks or special issuing companies, and it is a kind of business that integrates the basic functions of payment and credit. 2. Features: both credit and payment functions
e-check
1. Concept: it is a kind of e-payment method. Its main feature is that it can complete settlement by secure mobile deposit through computer communication network. 2. Use process: no matter an indivial or an enterprise, the party with debt issues a check or other bill to the party with debt to settle the debt. When the agreed date arrives, the holder submits the original of the bill to the payer to receive the cash
e-money
1. Concept: it is an encrypted serial number representing cash, which can be used to represent the currency value of various amounts in reality. With the transformation from paper-based economy to digital economy, e-cash will become the mainstream. 2. Features: anonymity, transaction cost saving, transmission cost saving, low holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, non traceability. 3. There are two kinds: (mainly) one is electronic cash which is based on Internet and keeps binary data representing currency value in the hard disk of computer terminal; One is the electronic wallet that keeps the monetary value in the IC card and can be circulated without the bank payment system.
cash refers to the visible paper money
the bank card and passbook are a voucher for the bank to keep your money. Customers can take this voucher to get their own cash back before the bank goes bankrupt.
1、 Money, currency, currency and cash are not the same thing. Although there are overlapping contents, there are still differences between these concepts
The definitions of money, currency, currency and cash are as follows:① money is the general name of money. What is called money in economics is what is called money in people's daily life
(2) money is defined by national laws and is generally accepted by the society in the trade of goods and services or debt repayment (3) currency is the currency in circulation, which refers to the currency in circulation outside the banking system (4) cash refers to the banknotes owned by indivials, instrial and commercial enterprises and government departments, including banknotes and coins. Cash is a part of money, which has strong liquidity, high frequency of use and great influence on people's daily consumption2. Bank card, also known as "plastic currency", refers to the general term of new service tools issued by banks for customers to handle deposits and withdrawals, including credit card, check card, charge card, automatic teller card, Lingguang card, etc
various bank cards are made of plastic and can be used for deposit, withdrawal and transfer
payment. Now, especially in western countries, all kinds of bank cards are replacing cash and cheques step by step, becoming a widely used payment tool in economic life. Because, in modern times, social bank card also belongs to currency
bank notes. If you don't believe it, you can take out a note to see whether it is "people's Bank of China" or "Ministry of finance of the people's Republic of China"
the issue of currency in each country means that the Central Bank of each country issues bank notes
It's not the same thing
Currency is another name for money. Cash refers to the medium of exchange that can be put into circulation immediately. Money, a contract about the right of exchange. Money, an equivalent quantitative exchange tool, is a financial circulation tool to promote social prosperity and developmentbank card is just a saving tool
extended data:
currency is the proct of commodity exchange. At the end of primitive society, the earliest currency was physical currency. Generally speaking, nomadic people used livestock and animal skins to realize their monetary functions, while agricultural people used grain, cloth, agricultural tools, pottery, seashells, pearls and jade as the earliest physical currency
according to archaeological excavation, a large number of pottery pots were unearthed from the late Neolithic sites such as Banpo as sacrificial objects; A large number of pig heads and mandibles were buried in Dawenkou Culture, which shows that pigs and pottery played the role of monetary wealth in the late primitive society< br />