Is the money in the bank card 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
1. Network virtual currency can be roughly divided into two categories:
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and uses these virtual game data to buy Herbs and equipment, or in some special games as a scoring unit to increase the fun of the game, which is an embodiment of the player level. But it can only be used in your own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community and the realization of game networking, there has been a "financial market" for virtual currency, where players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third category refers to bitcoin, Ruitai coin, Laite coin, Weimeng coin and other digital cryptocurrencies
2. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and the acquisition of 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.
you can also use the money in wechat. Direct to the bank card. And then take it out, so it's a solid coin
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.
Bank card is not money, but a kind of money carrier. Bank card is the carrier of currency issued by financial institutions
bank card is a kind of credit payment instrument approved by commercial banks (including postal financial institutions) to be issued to the society, which has all or part of the functions of consumption credit, transfer settlement, cash deposit and withdrawal
the bank card reces the circulation of cash and checks, which makes the banking business break through the limitation of time and space. The application of bank card automatic settlement system makes the dream of "no check, no cash society" come true
extended information:
precautions for use
1. When entering the password, pay attention to covering it with your hands. If you find that the password shield and card entry slot of ATM are abnormal, for the sake of safety, do not use it, and inform the bank immediately
2. In order to prevent the situation of fake ATM, customers should try their best to choose the self-service bank with obvious identification and use ATM under the video monitoring of the bank
3. When swiping the card for consumption, do not let the bank card out of sight, pay attention to the swiping times of the cashier, and check whether the amount on the signing order is correct and whether it is my card when getting the signing order and card
4. Open SMS service, keep track of account changes at any time, and call the bank to report the loss once abnormal transactions are found
5. If the fund is suspected to be stolen, call the customer service phone of the bank immediately and report the loss of the bank card account in time