The difference between digital currency and electronic payment

1. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence
digital currency is also different from virtual currency. For example, the well-known Q coin and the money recharged in various games are virtual currency. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.

2. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and obtaining data representing the same amount, or the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic means, so that transactions can be carried out. Strictly speaking, it is a kind of currency that consumers use the bank's Internet banking service to store value and make quick payment to the issuers of electronic currency, and make consumers trade electronically through media (two-dimensional code or hardware equipment)

digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. Digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form

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3.

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

4.

1、 Different monetary attributes

1. Digital currency:

digital currency belongs to legal tender

2. Wechat:

wechat belongs to the third-party payment instrument

3, Alipay:

Alipay belongs to the third party payment tool. p>

2. Different issuers

1. Digital currency:

the issuer of digital currency is the central bank

2. Wechat:

the clearing Party of wechat is a commercial bank

3, Alipay:

Alipay's settlement party is commercial bank. p>

extended data

in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account

digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:

1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing

Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency

3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough

5.

Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy

digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.

Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world

6. In other words, the money used in the transaction comes from the bank account. In other words, the money in the bank account actually corresponds to banknotes, and digital currency is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence
digital currency is also different from virtual currency. For example, we are familiar with the virtual currency and the recharge currency in various games. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.

7.

1. Digital currency

digital currency is an alternative currency in the form of electronic currency. Both digital gold coin and password currency belong to digital currency

digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography

features: the use of P2P peer-to-peer network technology to issue, manage and circulate currency theoretically avoids bureaucratic examination and approval, so that everyone has the right to issue currency

Electronic money means that a certain amount of cash or deposit is exchanged from the issuer and the data representing the same amount is obtained. By using some electronic methods, the data is directly transferred to the payment object, so that the debt can be paid off. Strictly speaking, consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form. In short, when we deposit money into our bank account, there will be an extra number in the bank account, which means how much money we have saved. In this process, we give the banknotes in our hands to the bank, and the bank adds a number to our bank card, which is our electronic currency

features:

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e-money and paper money (or physical money) can be easily converted to each other

the data of electronic currency corresponds to the same amount of physical currency

we need to pay physical money to the issuers of e-money (banks and other financial institutions) in order to exchange for the same amount of e-money

< / UL >

3. The similarity between digital currency and electronic currency: both exist in the form of electronic data

The differences between digital currency and electronic currency are as follows:

electronic currency has an issuing institution, and the corresponding amount of physical currency in the institution can be exchanged with physical currency; However, digital currency has no specific issuing institution (decentralization) and can only exist in network data

at present, there is no international consensus on whether digital currency is a currency or not, so in China, the main form of digital currency is "investment proct", which is a rather risky investment proct, and only a few businesses are willing to accept digital currency consumption; Of course, some countries (Germany, etc.) have officially recognized the currency status of digital currency

8. Alipay is the way of electronic payment. The money used in the transaction is from bank account. That is to say, the money in Alipay actually corresponds to a banknote, and the digital money is money. Jinfu fortune editor thinks that in the actual use experience, digital currency may feel similar to electronic payment, but there is still a big difference between them in essence.

9. Electronic money, like what Alipay is, is an electronic currency transaction.
digital currency, bitcoin? There is no real value.

10. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence
digital currency is also different from virtual currency. For example, the well-known Q currency and the recharge currency in various games are virtual currency. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.