The digital yuan (pilot version) APP, which has been on the shelves for several days, has set off a wave of experience boom. As of the evening of January 11, the number of downloads of the digital yuan (pilot version) APP in Huawei's application market has soared from "less than 10,000 times" on the first day of launch to "more than 6.05 million times". After the digital yuan experience is released, for ordinary people, how should this "crab" eat? The reporter did the actual test experience.
Registration: Mobile phone number to "unlock" the digital yuan
On January 4, the Digital Yuan (pilot version) APP was opened for download in major app stores such as Apple and Android, and was fully open to the public in Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and the pilot areas of the Winter Olympics scene (Beijing and Zhangjiakou).
The reporter found that after entering the mobile phone number and verification code, setting the payment password, and then entering the custom wallet name, the public can choose the operating agency to quickly open four types of anonymous wallets, and the whole registration process takes less than 1 minute, and there is no need to enter sensitive personal information such as name, ID card number, bank card number and so on. At present, users can choose 9 operating institutions, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, MYbank (Alipay), WeBank (WeChat Pay) and so on.
"It's not as bloated and complicated as other payment software at all, the digital yuan APP is very simple, there is no messy ads, and the interface is easy to understand." Citizen Dada said that this is the biggest advantage he feels the digital yuan (pilot version) APP has over other payment applications, and hopes that the subsequent version must not add redundant functions at will.
The reporter saw that on the interface of the digital yuan (pilot version) APP, the wallet balance home page has two buttons of "transfer money" and "receipt and payment", click "transfer money", and then fill in the mobile phone number, you can transfer money to other digital wallets. Click "Receive and Pay", you can use the payment code to pay the merchant, there are three buttons below the payment code: "Receive Money", "Transfer Money", "Sweep", click "Receive Money", there is a collection code, and others can scan the code to pay the user.
At the same time, the pilot version retains the beta version function of "sliding up payment and falling collection" for old users, sliding up payment, sliding collection, and perfectly restoring the process of cash receipt and payment.
Experience: Wallets must be recharged and cannot be charged directly from bank cards
How to play with the digital yuan? First of all, learn to top up your personal digital RMB wallet. This is also a big difference between digital yuan and other electronic payments: although digital yuan APP can be registered and bound to bank cards like WeChat and Alipay, it must be recharged to have a balance for consumption, and cannot be transferred directly from a bank account.
At present, personal digital wallets are divided into four levels according to the strength of customer identification. Among them, four types of wallets only need mobile phone number registration to handle, personal digital wallet balance up to 10,000 yuan, single payment up to 2,000 yuan, daily cumulative payment limit of 5,000 yuan. The three types of wallets need to provide valid identity documents, and the balance limit is also increased to 20,000 yuan, the single payment limit is 5,000 yuan, and the daily cumulative payment limit is 10,000 yuan. The second type of wallet needs to bind a personal bank account, and the upper limit of the wallet balance is increased to 500,000 yuan, the maximum single payment is 50,000 yuan, and the daily cumulative payment limit is 100,000 yuan. There are no transaction restrictions for one type of wallet, but the most stringent requirements are the most stringent, in addition to filling in the mobile phone number, ID card, and bank account, you also need to go to the operating agency to face the interview.
The reporter saw that after successfully opening a personal digital wallet, users can recharge the wallet through two ways: bank card charging and mobile banking transfer. If the user chooses to charge money through the bank card, they need to enter the ID card information, complete face recognition and add the bank card number, and after completing a series of operations, the four types of anonymous wallets are automatically upgraded to the second type of wallet. From mobile banking, you can jump to the APP of multiple banks, pop up the quick recharge page with the wallet number, and enter the specific recharge amount to use.
Scenario: Eat, drink and have fun, and the bank does not charge a personal service fee
"Drop--" As the mobile phone touches the NFC sensing area, the subway gate opens in response, and the red card face of the digital yuan traffic card pops up on the mobile phone interface. On January 11, the reporter's experience found that using the digital yuan transportation card, even in the state of the mobile phone lock screen, it can quickly pass through the gate. At the exit of the subway, you can automatically deduct money directly from the digital yuan wallet without recharging. The specific deduction amount can be queried in the transaction records of the digital RMB wallet with one click.
In addition, in order to facilitate users to use digital yuan when spending online, the APP also set up a sub-wallet, that is, push and use, password-free payment. If you don't want to use it, you can cancel the push. "It's great that there is no handling fee for transfer and withdrawal!" Citizen Li Liang said.
According to the reporter's incomplete statistics, the sub-wallet of the digital wallet has supported pushing to more than 50 platforms such as Meituan, JD.com, Yitong, Didi Chuxing, Tmall Supermarket, Ctrip, SF, Suning Tesco, Online State Grid, iQiyi, etc., covering multiple scenarios such as eating, drinking, food, clothing, housing and transportation, and the single and daily cumulative payment limits of different platforms are not the same.
Taking takeaway as an example, the reporter tested that after pushing the sub-wallet to the Meituan APP and entering the payment password, the payment limit and daily cumulative payment limit of a single transaction within 500 yuan can be set. Open the Meituan select takeaway merchant to place an order, the payment column appears "digital yuan" payment method, after selection can be directly password-free payment.
Recently, Xiaomi Mall announced that it has completed the online and offline full-scene layout in conjunction with Xiaomi's Tianxing Digital Branch, and pilot users can use digital yuan to purchase goods in the Xiaomi Mall APP and some offline stores of Xiaomi Home; China Unicom has also recently opened up all-scenario digital RMB recharge and payment in online and offline business halls. In the future, more scene applications will open.