Image source: Oriental IC
30 seconds fast reading
When was the first time I heard about the digital yuan? It feels like it was a long time ago. Indeed, in August 2020, the digital yuan began a small-scale pilot, but at that time, it was not directly downloaded in the app store, but it was necessary to receive a text message link from the bank, and only users on the whitelist could taste the digital yuan, so the splash of the digital yuan was not large.
However, with the launch of the Digital Yuan (pilot version) app on Major Android App Stores and iOS AppStore on January 4 this year, the download and use of Digital Yuan (Pilot Version) no longer requires SMS links, which means that there are no longer restrictions on the use of Digital Yuan.
Opened:
Wallet with name
Although the digital yuan (pilot version) is already available for "free" download, it does not mean that all users who can download it can use it. Because the digital yuan is still in the pilot stage, only Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai and other areas where the pilot is carried out can be used after downloading. Therefore, when registering, you need to open the targeting to determine whether the user is in the pilot area.
The reporter had previously downloaded the digital yuan through the SMS link sent by the bank, but when the digital yuan (pilot version) was listed, the previous digital yuan was invalid, and it needed to be re-downloaded, select "existing account, log in immediately". Download the digital yuan (pilot version), and the old version of the app can be deleted. Of course, the balance inside will not disappear.
The registration process is relatively simple, as long as you register through the mobile phone number, and then select the corresponding bank to open a digital RMB wallet. The default is an anonymous wallet, and it can be upgraded if necessary. Previously, ICBC, Agricultural Bank of China, Bank of China, CCB, etc. have all supported the opening of digital RMB wallets, and it is worth mentioning that now, WeBank and MYbank have also opened digital RMB wallets.
After registration, you need to open a bank digital wallet. Click "Open or add digital wallet" in "My", taking the newly launched WeBank as an example, as long as you enter the mobile phone number, set the payment password, recharge the money, you can also give the wallet a name, such as "pocket money", "private money", etc., but the wallet name will be displayed to the other party when receiving and paying, and the name needs to be cautious.
Most banks offer similar basic services, but there are also some differences, and it is recommended that you can create two or three digital wallets from different banks.
Fill the wallet:
Divine speed "stuffing money"
With a digital wallet, it's natural to stuff money into your wallet.
On the home page, swipe left and right to see all your open digital wallets, click "Charge Wallet" on the page, select the method of charging money, one is the bank card to charge money, the other is transferred from mobile banking.
If you choose "bank card charging", you must upgrade the digital wallet to a second-class wallet, the so-called second-class wallet, which requires a mobile phone number, id card and bank account to open, which is a wallet with a higher degree of real name. After opening the second type of wallet, the maximum limit of a single payment can reach 50,000 yuan, the balance limit can reach 500,000 yuan, and the daily cumulative payment limit is up to 100,000 yuan.
If you open mobile banking and have a corresponding banking app on your mobile phone, you can select "Transfer from mobile banking". The system will automatically jump to the bank app, fill in the recharge amount, the steps are relatively simple. And although there are currently only nine banks that provide digital wallet services, when recharging, it is not limited to these 9 banks, and mobile banking other than these 9 banks can be used to recharge digital wallets.
Payments and Receipts:
Touch the payment
Like Alipay and WeChat Pay, receiving and paying is the most basic function of digital wallets.
On the home page of the App, the slide is the money collection code, fill in the amount and display the two-dimensional code to the payer; slide up to the payment code, you can open the small amount of password-free function.
At the beginning of the digital yuan pilot, one of its most attractive functions is that it can pay without the network, and "touch" offline payment is one of the most "attractive" scenarios of the digital yuan, which is a quick transaction method based on the NFC function. The "Touch" logo is at the top of the home page, and a prompt will appear after entering: only support the merchant label, do not support POS and mobile terminals.
However, Android mobile phones are not subject to this restriction, after ensuring that both parties are offline or online mode, the receiving user sets the payment amount on the payment page, and the payment user can complete the payment by touching the NFC area of the receiving user's mobile phone on the payment page, which solves the problem of bad signal.
Sub-wallet:
"Chopping hands" is more convenient
Compared with the old version of the Digital Rmb App, the Digital Yuan (pilot version) App has been upgraded more, the "service" includes sub-wallets, red envelopes, hardware wallet management and other functions, and "My" manages the newly opened wallet, account security, and settings related functions. In the "service", the "Pattern Classic" of the digital yuan is hidden.
For example, "sub-wallet", the sub-wallet is not pre-recharged, but creates a convenient payment method in the corresponding merchant. At present, the corresponding merchants include JD.com, Meituan, Ele.me, etc., and you can select the corresponding merchants and digital wallets. The reporter chose to push the sub-wallet to Jingdong, and when the Jingdong self-operated store selected the goods to place an order, the payment column appeared in the payment method of digital yuan, and the payment method could be directly password-free after selection.
Is this payment method secure? In the introduction of sub-wallets, after pushing the wallet to the merchant, you can adjust the payment limit or remove the sub-wallet at any time. In addition, the digital yuan (pilot version) will not pass wallet and real-name information to merchants, ensuring privacy and security to the greatest extent.
It should be noted that there are some restrictions on the use of sub-wallets, such as JD.com, which only supports the purchase of JD.com's own products, and does not support third-party stores.
#Tips #
Q: If I lose my phone, can I report the loss of the digital yuan?
A: You need to report the loss of the digital RMB account number and mobile phone number in time, first report the loss of the mobile phone number to the operator, and then report the loss of the digital RMB account. To change a mobile phone, on the login page of the Digital Yuan (Pilot Version), click "More Options" when entering the password, find "Report Lost Account", enter the mobile phone number corresponding to the reported account number, and enter the account reporting process.
Q: Can the digital yuan be used anonymously?
A: In order to meet the needs of users for small and high-frequency anonymous payments, digital yuan allows anonymous wallets, which only need to be opened with a mobile phone number. The four types of wallets opened with mobile phone numbers are completely anonymous, and the People's Bank of China and operating agencies do not know the real name information of wallet users. At the same time, the digital yuan adopts a push wallet design, which can protect personal privacy. When using digital yuan to pay on the e-commerce platform, the user's payment information is packaged and encrypted, and pushed to the e-commerce platform in the form of a wallet. The platform does not know the user's personal information, thus realizing the privacy protection of the user's core information.
Author/IT Times reporter Pan Shaoying
Editor / Pan Shaoying Was kicked sister
Typography/Ji Jiaying
Photo/Digital Renminbi Oriental IC
Source/IT Times public account vittimes