Digital RMB supports offline transactions and can protect personal privacy anonymously.

Original title: Slip-up payment, slide-down payment, RMB to Qing.

Digital RMB (pilot version) App has set off a wave of experience since it was put on the shelves on January 4. 53 platforms including JD.COM, Meituan, Hungry, Tmall Supermarket and Didi Chuxing have been connected to the digital RMB system. As of January 9, the download volume of digital RMB (pilot version) App in Huawei’s application market has soared from "less than 10,000 times" on the first day of launch to "over 5.8 million times". According to the data provided by JD.COM, after the launch of the Digital RMB (pilot version) App, the number of users pushing digital RMB wallets increased by more than 10 times in a few days.

How to use digital RMB? What is the difference in the use of digital RMB? What are the activities of using digital RMB to pay in Qingdao? Recently, the reporter opened a digital RMB wallet and experienced it.

Wallets are divided into four categories and can be upgraded on demand.

Qingdao, as one of the pilot areas, citizens can enter "Digital RMB" in the Apple App Store or in the Android App Store, download the Digital RMB (pilot version) app, click "New User Registration", enter the mobile phone number, enter the verification code, and set the login password, so as to complete the registration and use.

After registration, users can choose to open digital RMB wallets in nine institutions, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank and China Merchants Bank, as well as online merchant bank (Alipay) and Weizhong Bank (WeChat payment), and then recharge the digital RMB wallets through savings cards or mobile banking.

Different from the general bank card divided into three-level account system, digital RMB wallets are divided into four categories. Among them, the fourth type of wallet can be registered only by the mobile phone number. This kind of wallet is the wallet with the lowest authority and anonymous function. This kind of wallet is opened by default. After opening, the wallet can be upgraded as needed. Three types of wallets need real-name authentication of ID card related information; The second type adds bank account information on the basis of the three types of wallets; The first-class wallet has the highest requirements. In addition to the authentication information of the second-class wallet, the user also needs to go to the operating agency for face-to-face signing. Correspondingly, the transaction restrictions have also been improved due to the improvement of the certification requirements. For example, there is no limit on the transaction amount for the first-class wallet, while the upper limit of the balance for the fourth-class wallet is only 10,000 yuan, and the upper limit of the single payment is 2,000 yuan.

Before the digital RMB (pilot version) was officially put on the shelves, some Qingdao citizens had already experienced the use of digital RMB payment first. In the early stage, if users want to try out the digital RMB wallet, they need to register with the operating organization. After reviewing the users, the regulatory authorities will provide the download website and "invitation code" of the digital RMB wallet beta App before users can register to use the digital RMB. Now users in pilot cities can download and use it in the mobile phone application market at any time. Like users who have registered to use the beta version in the early stage, just click Upgrade to experience the latest pilot version of the App.

Support the opening of wallets in 9 banks.

Different from the beta version, the number of operating agencies in the pilot version has increased to 9, and the applicable scenarios have increased. Previously, the main functions of the beta digital RMB were "sliding payment", "sliding payment" and "scanning code payment". Click on the wallet picture to recharge the digital RMB or deposit the digital RMB in the bank.

Nowadays, in the pilot version of the App, face authentication login and password login can be used for login. After entering the wallet, in addition to the options of receiving, paying and transferring money, "Touch" has been added in the upper right corner. It is understood that the use of "touch" can quickly receive and pay. "Touch" uses NFC near-field payment function, so it is limited to mobile phones that support NFC payment. When the mobile phone is close to the NFC area of the POS terminal or two NFC mobile phones touch each other, the payment transaction can be completed. At present, Apple’s mobile phone only supports merchant labels, and it is temporarily impossible to touch POS terminals and mobile phone terminals for payment.

In addition, in the "Services" column under the pilot version of the App, "Other Services" also include "red envelopes" and "post-it-on-post" services. Among them, "red envelopes" are mainly red envelopes for promoting consumption, and users can view the relevant red envelopes to be collected and received; And "paste one paste" can read the device loaded with digital RMB hardware wallet, and provide basic management capabilities such as transfer-in, transfer-out and inquiry for hardware wallet.

Shopping, travel and other scenes are available.

Earlier, some media reported that the digital wallets of online merchant bank (Alipay) and Weizhong bank (WeChat payment) were opened, and the "digital RMB" entrance could be seen in Alipay and WeChat App. However, after the reporter opened the digital wallets of these two institutions, you can see the digital RMB in the "My" column of Alipay, but WeChat did not show it. Will this affect the use of digital RMB?

At present, the digital RMB (pilot version) App has launched 53 merchants on the sub-wallet page, including shopping, travel, life, tourism and other categories, including JD.COM, Meituan, Hungry, Tmall Supermarket, Didi Chuxing, Iqiyi, Tencent Video, Baidu and other Internet merchants, as well as SF Express, online State Grid (for electricity payment), Sinopec, China Telecom Wing Payment and other life.

When opening a digital wallet, it will recommend authorization to add a sub-wallet according to the App that supports the use of digital RMB downloaded by the user’s mobile phone, and it can only be used after authorization. Alipay service merchants such as Box Horse, Hungry, Tmall Supermarket, etc. can use the online merchant bank (Alipay) digital wallet without separate authorization.

The reporter paid the orders of Meituan and Hungry respectively in digital RMB, which is similar to electronic payment tools. First of all, there are two ways to charge the digital wallet: transfer from mobile banking to bank card, then add Meituan and Hungry to the sub-wallet for authorization, and then open Meituan and Hungry to place an order normally. It is worth noting that when "selecting payment method", Meituan still needs to choose digital RMB payment through Alipay or WeChat payment, while if hungry, it has a separate digital RMB payment option.

According to the introduction of the central bank, although the payment function is similar, there are still some differences between digital RMB and electronic payment tools: First, digital RMB is the national legal tender and the asset with the highest security level. Second, digital RMB has the characteristics of value, which can be transferred without relying on bank accounts, and supports offline transactions, with the characteristics of "payment is settlement". Third, digital RMB support can be anonymous, which is conducive to protecting personal privacy and user information security.

The preferential activities are brilliant.

After the launch of the Digital RMB (Pilot Edition) App, although we didn’t see the overwhelming preferential publicity of nine banks, we can still find the "exclusive" discount of some banks when using some platforms. For example, Bank of China cooperated with Meituan to launch a triple gift activity to start a low-carbon life at the first sight of China, open the digital RMB wallet of Bank of China and open the Meituan sub-wallet, and you can get 10 yuan digital RMB, complete some low-carbon actions and get rewards.

Qingdao Metro App only supports the use of CCB’s digital RMB wallet, and both parties jointly carry out the activity of "inviting him to open an account and get wallet points". During the activity, every day, you can get one wallet point by using CCB’s digital RMB sub-wallet. For every person who has successfully opened a wallet, the inviter will get eight wallet points, and the invitee will get two points, which can also be used to exchange subway tickets and other merchants’ deduction vouchers. Figure/text Xu Jing