Mobile phone can transfer money to digital currency

1. The people's Bank of China has designed a two-tier architecture for digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it

2.

Digital currency carrier is digital currency wallet

digital currency is an alternative to paper money

functions and properties are exactly the same as banknotes, but the form is digital

Therefore, it can be seen that the use of digital currency will be more secure

In addition, digital currency has unique coding, and there is no way to forge it

and whose wallet digital currency enters may generate traceable information codes, including the identity information of the wallet owner. In this way, as long as the digital currency is spent or transferred, it is very easy to trace

even in the future, if big data and Internet of things technology are further upgraded, where you spend digital currency may be traceable, including spending a few yuan and so on, which can be easily known and traceable

in this case, your mobile phone is lost. On the one hand, it is difficult for the person who finds it to crack many passwords on the mobile phone. If the person who finds it takes a lot of effort to break the password, then if he wants to spend money or transfer money, it is also traceable

3. What you lost is your mobile phone, not your account number. Just find the account number holding the currency

4. NFC should be a way of digital currency transaction, as far as internal test is concerned. The official explanation is that the digital currency wallet has the functions of scan code payment, payment code, touch and remittance. NFC is the hardware condition of near-field NFC payment, and NFC should not be the necessary condition of digital RMB.

5.

Since the mobile phone has the payment function, I found that many people around me have no habit of carrying cash. From buying breakfast to paying salary, a mobile phone is really convenient. Recently, Shenzhen has opened a new experience of digital RMB consumption to meet the current trend. It is understood that this time, Shenzhen has issued a total of 10 million yuan of red envelopes, and issued a new digital RMB consumption experience; Lottery & quot; It's time to test your luck{ RRRRR}

I think the new experience of digital RMB consumption opened in Shenzhen is a good consumption practice, it can not only facilitate consumers, but also promote consumption, kill two birds with one stone . I hope other cities can also open this consumption experience, let more people participate in the form of digital RMB consumption, improve the convenient and efficient way of payment and consumption, and benefit the people

6. Well, it's said in the news that it can be used even without Internet.

7. If you don't know the way, talk to the guards and click professional (professional training? I forget that it's all the same. I'll do it by myself) - then I click mining, end the conversation, open the map, and see an exclamation point. The flag is the place to learn mining, that is, the location of the mining trainer.

8. Mining in Inner Mongolia is deceptive

9. Only the central bank has the power to issue money, whether it is digital or not.