Talking about digital currency with leaders

1.

Hello, the replacement of paper-based RMB by digital RMB is basically certain. Just as the era goes from entity to e-commerce, RMB also goes from offline to online. Its function is exactly the same as paper money, that is, the digital version of paper money

at present, China's digital currency is a leading technology, which is bound to accelerate its digital currency construction in the short term, in order to find the gap with DCEP. However, DCEP can ultimately promote the nationalization of RMB, still depends on the steady growth of domestic economy and the international circulation ability of RMB itself, not only on the digital technology of RMB, but also has a long way to go

2. When an instry is rising, the first wave is platform and traffic, and then the various applications. And like anti-counterfeiting traceability and supply chain, I am very optimistic about TAC traceability chain.

3.

There is a very strange phenomenon in Vietnam, that is, there are a lot of RMB on the street. Maybe many people will want to put RMB on the street. Won't they be robbed by thieves

in fact, this method is very simple. When we travel in downtown areas and sometimes there is no bank, we can exchange these people for Dong , and want to buy what we like. This kind of situation is very common in Vietnam. It's not unusual at all

4. I don't know if it's true that no one cares about the publicity? It's really deceiving. Then it's too serious for someone to manage it?

5. It is reported that the central bank's research on the issue of digital currency is not a temporary move. Since 2014, the research on the central bank's digital currency has been carried out for five years. In 2017, the digital currency Research Institute of the people's Bank of China was officially established, and has applied for more than 70 patents related to digital currency technology< In recent years, with the development of Internet technology, especially blockchain technology, many so-called "virtual currencies" have emerged in the world, such as bitcoin and Laite currency, which are controversial in recent years. So, how is the digital currency proposed by the central bank different from these commercial "virtual currencies"? The following is an analysis of the patent of Xiaoju

some patents of the digital currency Research Institute of the people's Bank of China (data source: huijuyun)

what is digital currency? --[ Invention patent] digital currency system

cloud computing is the mainstream direction of the future back-end server, and the digital currency back-end system adopts cloud based solutions

in e-commerce activities, e to different roles, the requirements for digital currency are different: customers require digital currency to be easy to use, safe to store and anonymous; Businesses require digital currency to be certifiable and can be converted into real currency; Banks require that digital currency cannot be illegally used or forged. Therefore, digital currency d-rmb should have the following characteristics:

1. Security: it can prevent any party in business from changing or illegally using digital currency< 2. Non repeated spending: digital currency can only be used once, and repeated spending can be easily detected

3. Controllable anonymity: banks and businesses collude with each other and can't track the use of digital currency, which requires that the system can't link the purchase behavior of e-cash users, so as to conceal the purchase history of digital currency users, but the issuer of digital currency can track the use of digital currency

4. Unforgeability: digital currency that users cannot fake

5. Fairness: the payment process is fair, which ensures that either the two parties succeed in the transaction, or both parties have no losses, so as to prevent one of the parties from suffering losses in the transaction

6. Compatibility: the issue process and circulation of digital currency in d-rmb system should refer to the issue and circulation of physical currency as far as possible

as for digital currency, it should be able to adapt to various use scenarios of existing currency and be freely convertible with existing currency

this patent provides a digital currency system, including central bank digital currency system, commercial bank digital currency system, and authentication system

among them, the central bank's digital currency system is used to generate and issue digital currency, and to register the ownership of digital currency; The digital currency system of commercial banks is used to perform banking functions for digital currency; The authentication system is used to provide authentication for the interaction between the central bank digital currency system and the terminal equipment used by the users of the digital currency, and for the interaction between the central bank digital currency system and the commercial bank digital currency system

schematic diagram of the basic structure of the digital currency system

to achieve a convenient and safe digital currency system, and can be applied to a variety of application scenarios of digital currency in reality< How to convert digital currency into cash[ Invention patent] method and system for converting digital currency into physical cash, The digital currency system of the commercial bank sends the digital currency to the central bank digital currency system, the central bank digital currency system generates a one-time withdrawal code, and then sends it to the user terminal equipment for presentation to the user, and changes the owner information of the digital currency from the user to the central bank

the digital currency system of the commercial bank sends the one-time withdrawal code provided by the user to the digital currency system of the central bank. The digital currency system of the central bank confirms that the one-time withdrawal code is valid, and then increases the cash amount of the commercial bank account, and sends a notice to the digital currency system of the commercial bank that the one-time withdrawal code is valid, After receiving the notice, the digital currency system of commercial banks issues a contribution instruction, in which the contribution instruction is used to control the machine or prompt the user to pay the cash whose amount is equal to the cashed amount manually<

schematic diagram of a method of converting digital currency into physical cash

How can digital currency be consumed online? --[ Invention patent] method and system of online payment using digital currency chip card

this patent is a method and system of online payment using digital currency chip card. A method for online payment using digital currency chip card is provided. The method includes: a user terminal device sends payment information to an acceptance terminal device, and the payment information includes digital currency chip card information and digital currency equivalent to the payment amount; After receiving the payment information, the receiving terminal sends the payment information to the digital currency system of the commercial bank; After receiving the payment information, the digital currency system of the commercial bank sends a request to change the owner to the digital currency system of the central bank; The central bank digital currency system changes the owner of the digital currency to the merchant's commercial bank code after receiving the request to change the owner; The digital currency system of commercial banks changes the account amount of merchants<

the method flow chart of online payment with digital currency chip card in recent years, the commercial virtual currency has been controversial, and more and more people realize that the future development trend of digital currency is legal digital currency issued by central banks based on national credit. At present, China is still in the stage of accelerating the research and development of digital currency. For example, the central bank held a working video conference in the second half of 2019 on August 2, calling for "accelerating the pace of research and development of China's legal digital currency". Recently, the "opinions of the CPC Central Committee and the State Council on supporting Shenzhen to build a leading demonstration zone of socialism with Chinese characteristics" clearly stated that "We support the development of innovative applications such as digital currency research and mobile payment in Shenzhen". Let's wait and see when digital currency will meet you.

6. If the salary is paid normally, you can go to work normally. Our employees can't manage the boss's business!