CMB blockchain cross border payment
blockchain technology refers to a way for the whole people to participate in bookkeeping. There is a database behind all the systems. You can think of the database as a big ledger. At present, they keep their own accounts.
In fact, the application mode of blockchain cross-border payment is to use blockchain network to join traditional financial institutions, foreign exchange market makers and liquidity providers into the payment network and build a payment gateway. Through the payment gateway, the flow of digital assets on the blockchain can be connected with the legal currency in reality, so that the legal currency can be converted into digital assets on the blockchain, which is convenient for subsequent payment and transfer. Through the network connector in the blockchain payment network, we can connect traditional market makers, remittance agencies, remittance agencies and other institutions, abandon the intermediate transaction link, and realize point-to-point fast and low-cost payment
blockchain payment is not made by that company,
unless it is led by the state.
with the continuous development and progress of society, great changes have taken place in our lifestyle, such as mobile payment and online shopping, which have brought great convenience to our life. Since the birth of online shopping, online payment has become a part of our life
online shopping is convenient, but it is also through the middle of a "invisible" process of payment, such as we bought something on the Internet, first pick out what you love, then you have to pay the problem:
now most people use Alipay is the way of payment, then first Alipay will receive payment request. Then it initiates the protocol to the network, saves the information to the database, and forwards the request to the bank. When the Alipay account shows that the dection is successful, it will have to be connected to the bank through the Internet. Then the buyer will confirm receipt after receiving the goods, so that the buyer will dect the money before transferring to the seller's account. Not only is the transaction process too cumbersome and complex, it is clear that the transaction between the two parties has to go through a series of links. More importantly, once the intermediate payment link collapses, the whole transaction will stop, and the subsequent operation is really troublesome
in fact, the popular explanation is that when I want to buy something, I give the money to the middleman and ask him to help the seller. If the middleman makes any mistakes, it may lead to the situation that the money can not be recovered and the goods can not be obtained
is there any way to simplify the transaction process and improve the transaction efficiency? Yes, the current hot blockchain technology and digital currency payment can better solve the above problems:
blockchain has become one of the hot topics in the past two years. Blockchain can replace the existence of these third-party services:
first, blockchain can not be tampered with. Every transaction will be distributed to each block for record keeping, Then use cryptography to verify, any malicious damage or record deletion will be found, so the whole process of shopping will be seen. Blockchain strengthens the trust, traceability and transparency in the transaction, making our transaction faster and more convenient<
the second is the unique payment characteristics of digital currency:
the decentralization of digital currency can eliminate the intervention of the third party, and there is no need to worry about the problems of the third party, resulting in the whole transaction payment process can not continue
the point-to-point transmission of digital currency saves the time link in the whole payment process and realizes fast payment, so that both parties can receive money quickly and save time
openness and transparency of digital currency: except for cash transactions, all transactions based on online payment are just a series of numbers, and all transactions of digital currency are open and transparent. You can check the transaction records of all payments, which can ensure the security of the overall commodity payment
and like China's booming WeChat, Alipay and other payment platforms, cross-border payment has been realized, but there is a problem that fees will be more expensive than domestic payments, and the settlement cycle will be longer than domestic. In general, efficiency will be slow, time is long, and hand renewal is expensive. Digital money will make traditional transactions "no longer traditional". That will also make cross-border payment more efficient: digital currency is not subject to the "constraints" of any country or bank. Based on blockchain technology, it can just bypass this centralized system with low handling charges, and its point-to-point transmission transaction characteristics can effectively improve the current problems of long-time and high cost of cross-border payment
the times have been developing, and the way of life is constantly improving. Online shopping and payment are born from our development, with both advantages and disadvantages. Then we will try our best to push everything in a better direction
digital currency is on the rise. Although the current digital currency is not perfect, many countries have begun to use digital currency as a payment method. Due to the various characteristics of digital currency, bitcoin, Ethernet, Las Y2, QTP (wechat ID: yingbivc), ASEC and other digital currencies are being actively used. They can not only simplify the traditional online payment transaction process, but also circulate payment around the world and rece exchange rate issues such as handling charges. Don't just look at digital currency with one eye. Maybe in the near future, it will open the era of digital currency full payment!
Why is the Internet era coming to an end and the blockchain era coming
Once the
blockchain develops, it will burst out more innovation. As the first proct of blockchain, bitcoin has proced many innovations since its birth. For example, small cross-border payment, recording transfer transactions between currencies, recording various stocks, registering housing property rights, recording program codes, etc.
the steam age liberates social proctivity, the electrical age enlivens social cooperation ability, the Internet age connects the world, and the blockchain era will let us truly realize freedom
according to the relevant part of the U.S. federal communication regulations (CFR 47), all electronic procts entering the U.S. are required to undergo EMC certification (except for some procts specified in the relevant provisions). There are three common certification methods: certification, DOC and verification. The certification methods and proceres of these three procts are quite different, and the optional certification methods for different procts are stipulated in FCC. The strict degree of its certification is decreasing. For these three kinds of certification, the FCC committee also has relevant requirements for each laboratory< At present, the United States has become China's second largest trading partner for several consecutive years, and the trade volume between China and the United States is increasing year by year, so the export to the United States should not be underestimated. The strictness of proct technical standards and import regulations of the United States is the first in the world. Understanding the market access rules of the United States will help our procts further open the U.S. market< The Federal Communications Commission (FCC) - regulates the import and use of radio frequency devices, including computers, fax machines, electronic devices, radio receiving and transmitting equipment, radio controlled toys, telephones, personal computers and other procts that may harm personal safety. If these procts want to be exported to the United States, they must be tested and approved by a government authorized laboratory according to FCC technical standards. Importers and customs agents are required to declare that each radio frequency device complies with the FCC standard, or FCC license< Self verification: manufacturers or importers ensure that their procts have undergone necessary tests to confirm that the procts comply with relevant technical standards and retain test reports. FCC has the right to require manufacturers to submit test data of equipment samples or procts. Devices suitable for self verification include commercial computers, TV and FM receivers, and instrial, scientific and medical devices used by non mass consumers of FCC rule Part 18
2. Declaration of conformity: the party in charge of the equipment (generally the manufacturer or importer) shall test the procts at the qualified testing agency designated by FCC to ensure that the equipment meets the relevant technical standards and keep the test report. FCC has the right to require the party in charge to submit the test data of the equipment samples or procts. The devices applicable to the declaration of conformity include home computers and peripherals, civil broadcast receivers, super regenerative receivers, other receivers of FCC rule Part 15, TV interface devices, cable system terminal devices and instrial, scientific research and medical devices used by the mass consumers of Part 18. The responsible party shall mark the equipment as follows:
3. ID authentication: FCC shall review the samples (or photos) and test data submitted by the applicant, and grant an FCC ID number to the equipment if it meets the requirements of FCC rules. Equipment suitable for certification include low power transmitters such as cordless phones, remote controls for automatic doors, radio controlled toys and safety alarm systems, equipment for intentionally transmitting radio frequency energy in part 15, instrial, scientific research and medical equipment for mass consumers in part 18, automatic frequency conversion receivers and super regenerative receivers, TV interface equipment, And home computers and peripherals. The responsible party shall mark the equipment with FCC ID:
note: if a certain equipment is suitable for two or three kinds of approved types, it shall be selected by the responsible party
FCC certification process
1. Declaration of conformity: the proct responsible party (manufacturer or importer) will test the proct in the qualified testing agency designated by FCC and make a test report. If the proct meets the FCC standard, the corresponding label will be pasted on the proct, the relevant compliance with FCC standard will be declared in the user manual, and the test report will be reserved for request by FCC
2. To apply for an ID, first apply for an FRN to fill in other forms. If the applicant is applying for FCC ID for the first time, it needs to apply for a permanent grant code. While waiting for FCC approval to distribute grant code to the applicant, the applicant should seize the time to test the equipment. When all the materials required by FCC are ready and the test report has been completed, the FCC should have approved the grant code. The applicant uses the code, test report and required materials to complete FCC form 731 and form 159 online. After FCC receives form 159 and remittance, it begins to accept the application for certification. The average time for FCC to accept ID application is 60 days. At the end of the processing, FCC will send the original grant of FCC ID to the applicant. The applicant can sell or export the corresponding procts after getting the certificate< Materials to be submitted for FCC certification
1
2. A of the installation and operation manual of the certified proct to be provided to the user If there is no user manual for the proct, the draft of relevant contents can be provided)
3. Electrical schematic diagram and working principle description of the proct If the proct has grounding or antenna, it should be described)
4. Table of working oscillation frequency of relevant procts, in which the signal propagation path and corresponding oscillation frequency should be listed
5. Other proct features that need to be explained. Note
1. Relevant documents should be in both Chinese and English
2. In order to shorten the authentication cycle, the information provided should preferably be in the form of electronic documents
3. In the process of certification, in view of some special circumstances, enterprises may need to hand in additional relevant information
Shenzhen Lixun Proct Technology Service Co., Ltd. is specialized in instrial consumer proct safety certification, electromagnetic compatibility testing, chemical material testing and analysis services. At present, our testing and certification procts cover wireless communication equipment, mechanical equipment, household appliances, audio and video equipment, information technology equipment, toys, medical devices, building materials, personal protective equipment, etc
CE certification process
1. The manufacturer's relevant laboratory (hereinafter referred to as the laboratory) puts forward oral or written preliminary application
2. The applicant fills in the CE marking application form and sends the application form, proct instructions and technical documents to the laboratory (if necessary, the applicant company is required to provide a prototype)
3. The laboratory determines the test standards and test items, and makes a quotation
4. The applicant confirms the quotation and sends the samples and relevant technical documents to the laboratory
5. Technical documents provided by the applicant
6. The laboratory issues a charging notice to the applicant, and the applicant pays the certification fee according to the charging notice
7. The Laboratory concts proct testing and reviews technical documents
8. Review of technical documents includes:
A. whether the documents are perfect
B. whether the document is written in the official language of the European Community (English, German or French)
9. If the technical documents are incomplete or do not use the specified language, the laboratory will inform the applicant to improve
10. If the test fails, the laboratory will inform the applicant in time and allow the applicant to improve the proct. In this way, until the test is qualified. The applicant shall change the technical data in the original application so as to reflect the actual situation after the change
11. The laboratory will issue a supplementary charge notice to the applicant for the rectification costs involved in items 9 and 10 of this page
12. The applicant shall pay the rectification fee according to the supplementary fee notice
13. The laboratory provides the applicant with test report or technical document (TCF), CE certificate of conformity (COC) and CE mark
14. The applicant signs the CE guarantee self declaration and attaches the CE mark on the proct
if you have any questions about certification, please feel free to send a private message or Q, thank you!!
, the world's first electronic wallet cross border remittance service based on block chaining, was launched in Hongkong in June 25th. Hong Kong Alipay AlipayHK users can send remittances to Philippines purse Gcash through block chain technology. p>
ant financial services said that alipayhk cooperated with gcash to become the first e-wallet in the world to use blockchain in the whole link of cross-border remittance, and Standard Chartered Bank was responsible for the day-to-day capital clearing and foreign exchange. Gcash users can consume immediately after they arrive at the account. Cross border remittance can also arrive in real time like domestic transfer, 7 × 24-hour uninterrupted, cost-effective, safe and transparent, it can be said to redefine the "cross-border remittance"