Digital yuan can also order takeaway! On January 6, Red Star Capital Bureau found that the Digital Yuan APP (Pilot Version) was listed in the app store and is currently piloting for Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and the Winter Olympics scene (Beijing, Zhangjiakou). The updated digital YUAN APP can not only order takeaway, but also pay electricity bills, buy air tickets, and shop, including more life consumption scenarios.
Digital YUAN APP updated, pilot 12 regions
According to the official introduction, the Digital Yuan (Pilot Version) APP is the official service platform for the pilot of digital yuan in China, which is the legal digital currency in China, providing the opening and management of digital yuan personal wallets and the exchange and circulation of digital yuan.
At present, the digital yuan is still in the routine testing stage of the research and development process, and the whitelist users in the pilot areas selected by the designated operating agencies of the digital yuan can register for the APP. A total of "10+1" users in the pilot areas of the digital yuan can open wallets, namely Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and the Winter Olympics scene (Beijing, Zhangjiakou). The operating institutions include industrial and commercial bank, agricultural bank, bank of China, china construction bank, bank of communications, postal savings bank, China merchants bank, online business bank (Alipay), weBank (WeChat pay) a total of 9 banks.
Operating Organization
If you want to use the digital yuan is also very convenient, in the app store search for "digital yuan APP (pilot version)", after the download is completed, the new user can only through the mobile phone number, set the password, agree to the relevant agreements, you can directly open the anonymous wallet, after the opening can also be upgraded to a real-name wallet as needed.
Digital RMB wallets are classified and managed according to the strength of user identity. At present, there are four types of personal digital RMB wallets. One type of wallet requires the user to provide a mobile phone number, valid identity documents, their bank account, the operation agency on-site interview, no transaction restrictions; the second type of wallet requires the user to provide a mobile phone number, valid identity document, my bank account, the balance limit is 500,000 yuan, the single payment limit is 50,000 yuan; the third type of wallet requires the user to provide a mobile phone number, valid identity documents, the balance limit is 20,000 yuan, the single payment limit is 5,000 yuan; the fourth type of wallet can provide a mobile phone number to handle, the balance limit is 10,000 yuan, and the single payment limit is 2,000 yuan.
Wallet type
Four types of wallets can be upgraded to class two and three online within the app. After entering the digital RMB wallet payment password, name, ID card number, and completing the face verification, there is no need to enter the bank card number, the APP automatically reminds you to transfer to the commercial bank APP that has been installed on the mobile phone to complete the binding, and the entire upgrade process can be completed within one minute, which is convenient and fast.
You can receive payment with a touch
Dual offline payment has completed technical verification
There are also several innovative features in the APP that have attracted attention. For example, the "sub-wallet" function, through which users can choose to provide digital yuan payment applications.
Red Star Capital Bureau found that Android users in Beijing currently have 43 merchants in five categories, including shopping, travel, life, tourism and others. In addition to Meituan takeaway, Tencent Video, Baidu (09888. HK), Ctrip, Didi Chuxing, Suning Tesco (002024. Digital yuan can be used in commonly used apps such as SZ).
Sub-wallet
Taking takeaway as an example, after adding the "Meituan" sub-wallet to the digital yuan APP, there is a "digital yuan" payment option when paying with the meituan takeaway.
Digital yuan can be used to order takeaways
It is reported that this is also the first important move of the digital yuan scene support institutions since the pilot version of the digital yuan APP was officially launched on the major application markets.
The Digital Yuan APP also launched the "touch and touch" receiving and payment function. At present, Android mobile phones support "touch" merchant tags and terminal receipts and payments, and Apple mobile phones only support "touch" merchant tags to receive payments. When the user opens the NFC function of the mobile phone, he can use the APP to "touch" the payment.
According to the information in the Digital Rmb APP, the digital yuan dual offline payment has completed technical verification and entered the design stage of supporting standards and specifications. In order to ensure a unified user experience, the current version does not provide the public with dual offline payment function. Dual offline payment, refers to the digital yuan in the transaction process, the terminals of both sides are in an offline situation, the use of NFC technology to achieve payment, which means that the future mobile phone payment application scenarios are broadened, "no signal can not pay money" Pain points are expected to be solved.
It is worth mentioning that the Winter Olympics also catalyzed the further landing of the digital yuan. It is understood that the Beijing Winter Olympic Village is scheduled to open on January 27, and the digital yuan will be piloted in the relevant scenes of the Beijing Winter Olympics.
Liu Yuling, member of the Party Committee and deputy director of the Central Bank's Operations Management Department, previously said that around the Beijing 2022 Winter Olympics to promote the pilot application of the digital yuan in more scenarios, 355,000 Winter Olympic scenarios have been successfully landed, achieving full coverage of seven major scenarios of transportation, catering and accommodation, shopping and consumption, tourism and tourism, medical and health, communication services, and ticketing and entertainment outside the red line of the Winter Olympics. At present, key business districts such as Wangfujing and Century Jinyuan in Beijing and chain stores such as Wumart Supermarket have supported digital yuan consumption. Digital yuan can also be used in tourist attractions such as the Badaling Great Wall, the Forbidden City, the Old Summer Palace and some contracted hotels.
On January 6, CITIC Construction Investment Securities Research Report pointed out that the 2022 Beijing Winter Olympics will also carry out the largest digital yuan pilot in history, bank APP wallets, hardware wallets, etc. the promotion work has been carried out smoothly, with the pilot landing of the Winter Olympics scene, the future digital yuan is expected to achieve large-scale promotion, bank IT system upgrades, terminal payment equipment transformation, transaction links involved in digital encryption, identity authentication, security chips will bring business increments to relevant listed enterprises, and the relevant industrial chain will usher in a greater catalysis.
Red Star News reporter Wang Tian
Edited by Yang Cheng
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