Digital currency and Internet Finance

1.

1. Application of different

digital currency: fast, economic and safe payment and settlement; Bill finance and supply chain finance; The real right of collateral is digitalized

e-money: the seller sends the buyer's payment instructions to the seller's acquiring bank through the payment gateway; The acquiring bank obtains the authorization from the issuing bank through the bank card network, and sends the authorization information back to the seller through the payment gateway; After obtaining the authorization, the Seller shall send the buyer the shopping completion information. If payment acquisition and payment authorization cannot be completed at the same time, the seller should send payment acquisition request to the acquiring bank through the payment gateway, and transfer the transaction funds from the buyer to the seller's account. The final inter-bank settlement is completed by the payment system between banks

2. Different characteristics

digital currency is characterized by low transaction cost, fast transaction speed and high anonymity

e-currency is characterized by anonymity, saving transaction cost, saving transmission cost, small holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, and non traceability

Digital currency can be divided into three categories: completely closed, unrelated to the real economy and only used in specific virtual communities, such as world of warcraft gold; It can be purchased in real currency but not converted back to real currency, and can be used to purchase virtual goods and services, such as Facebook credit; It can exchange and redeem with real currency according to a certain ratio. It can purchase both virtual goods and services and real goods and services, such as bitcoin

e-money: e-cash based on the Internet environment and keeping the binary data representing the value of money in the hard disk of the computer terminal; An electronic wallet that keeps the value of money in an IC card and can be circulated out of the bank payment system

3. Refer to the speech of Zhou Xiaochuan, the central bank, to launch digital currency and promote the digital development of currency.

4. It's true. It's about bitcoin and the Internet of things. This is covered by the mainstream news media

bitcoin is an innovation of Internet finance, and the blockchain technology of bitcoin is potentially disruptive to all traditional instries
bitcoin is a consensus network, contributing to a new payment system and a fully digital currency. It is the first decentralized peer-to-peer payment network, which is controlled by its users without a central management organization or middleman. From the user's point of view, bitcoin is much like Internet cash. Bitcoin can also be regarded as the most outstanding three style bookkeeping system

a block is a record in the block chain, which contains and confirms the transactions to be processed. On average, a new block containing transactions is added to the block chain by mining every 10 minutes.

5. Internet currency, also known as virtual currency, digital currency or electronic currency, is totally different from the currency we use in reality. In the "Internet social form", people set up or participate in the community according to their own needs. Members of the same community form a common credit value based on the same needs. Internet currency is a "new currency form" formed on this basis
Internet digital currency itself will not cheat people. Internet digital currency is just a tool, it depends on the people who use it
since 2013, digital currency has been popular all over the world, and has been on the front page of major news for many times
however, the digital money pyramid schemes also emerge one after another
the typical mode of digital money pyramid selling is to choose a ready-made one, or simply program yourself to invent a digital currency
1. Package several "experts", "elites" and "government officials"
2. Publicize all kinds of cases of making a fortune online and offline. Design the illusion of digital currency appreciation
3. The cheated directly invest to buy the digital currency
4. Give the cheated a compound interest reward or a direct rebate after the end of the investment cycle. Rewards are also digital money itself
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6. Organizers sell a large number of digital currencies for cash, and the currency price will drop sharply
7. Claiming to be attacked by hackers, claiming to be controlled by makers, resulting in the decline of currency price
8. Running
the pyramid selling of digital currency is a combination of general pyramid selling, Ponzi scheme and direct selling. Compared with general pyramid selling, digital currency pyramid selling has three additional characteristics:
1. And the packaging is very advanced
2. Participants can get a head pulling reward. The prize is the digital currency itself
3. Digital currency tends to appreciate as more people participate in the scam. Participants can obtain the growth of the number of digital currency itself and the growth of book converted legal currency, including the lowest level participants
conclusion: in the early stage of digital money pyramid scheme, it is pyramid scheme, and in the later stage, it turns into Ponzi scheme immediately.

6. Casino in disguise

7. Hello! Digital TV set-top box refers to the set-top box used for digital signal provided by radio and television or other cable TV signal transmission systems. Network TV set-top box refers to the set-top box that needs to be connected to the Internet to obtain video signal in the Internet. The main difference between the two is that the applicable video signal sources are different.

8. Financial Internet

financial Internet refers to the way to transfer and expand the relevant financial procts and services to the Internet platform on the original channels and platforms

in the purchase and transaction of traditional financial procts, traders need to go to the trading place to carry out relevant operation processing methods, but in the Internet-based platform and methods, traders can carry out corresponding transaction operations through the Internet<

Internet Finance:

Internet finance refers to a new kind of finance that relies on Internet tools such as payment, cloud computing, social network and search engine to realize financing, payment and information intermediary business

Internet finance is not a simple combination of the Internet and the financial instry, but a new mode and new business to meet the new needs after being familiar with and accepted by users (especially the acceptance of e-commerce) on the level of network technology such as security and mobile. It is an emerging field combining traditional financial instry with Internet spirit

the development of Internet finance has gone through many stages, such as online banking, third-party payment, personal loans, enterprise financing, and more and more in-depth into the core of traditional financial business in terms of financing, matching between supply and demand of funds, etc<

the differences between the two:

Internet Finance and financial Internet are both financial centered investment and wealth management procts, but they also have different forms and operation modes, which are embodied in the following aspects: (a) the procts and services of the two are different:

financial Internet is a platform based financial service mode, The trading mode of financial procts is extended to the Internet platform, and Internet finance is a financial proct with the Internet as the main body

(b) the proct attributes of the two are different:

financial Internet is based on the original financial procts to make the financial procts Internet; Internet finance is a kind of financial proct specially launched for Internet

(c) the two trading methods are different:

financial Internet has wired trading method and offline trading method, while Internet finance generally only has online trading method.