CCB opens digital currency channel
there is no . In response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28, at present, this test has ended . At present, Internet information is the testing content in the process of technology research and development, does not mean that digital RMB is officially launched
it is reported that recently, the app of China Construction Bank launched the digital currency wallet, which surprised people. Users only need to bind their own bank card on the digital currency wallet to open it. In addition, the app of China Construction Bank has added two submenus of digital wallet recharge and digital currency, indicating that users can use the digital RMB wallet to recharge, It is mainly divided into app wallet and hardware wallet
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many companies speed up the layout
recently, there are many rumors about digital RMB, which are also reflected in the capital market. Judging from the performance of the digital currency sector, it recently hit a new high this year
some listed companies revealed that they would pay attention to the field of digital currency and actively lay out their plans. On the e interactive platform of Shanghai Stock Exchange, Qi an Xin said that the pilot test of digital currency has brought more market opportunities for security manufacturers from the new security project opportunities brought by the upgrading of financial IT system, and the company has been paying attention to and actively arranging
The company has been paying close attention to and actively following up the technology and application trends related to digital currency, and has continued to make layout in technology R & D and proct development. In the process of promoting the implementation of digital currency by the central bank, Youbo will also contribute to the digitalization of RMB and the implementation of offline merchant payment scenariosShenzhou Holdings said in the China Daily News that its Shenzhou information has participated in the central bank's digital currency (DC / EP) test and related promotion work of a commercial bank, involving the electronic payment scenario test of encrypted digital currency. As one of the important systems required for the later promotion of DC / EP, Shenzhou information has completed relevant technical reserves, In the future, it can help commercial banks realize the implementation and promotion of digital currency
CCB responded that on the evening of August 28, CCB carried out the relevant function test on the mobile banking system, and now the test has ended
in response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28. At present, this test has ended. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially released
CCB said that the current network information is the test content in the process of technology research and development, which does not mean that the digital RMB is officially launched. The current closed test of digital RMB will not affect the commercial operation of listed companies, nor will it affect the RMB issuance and circulation system, financial market and social economy outside the test environment
extended data
previous situation review
on August 29, the reporter found that the Construction Bank app has added two submenus of "digital wallet recharge" and "digital currency"
however, click the digital wallet recharge mole on the CCB app of users in Beijing area, and "this function is not open yet, please look forward to it"; Click the digital currency mole to display "this function has not officially provided external services, please look forward to it"
according to a source, this function may only be available in some test areas. In addition, for users who have already recharged their digital RMB wallets at CCB, CCB customer service said that the system will automatically cancel the opened digital RMB wallets, and the money transferred by users will be returned to the bound savings account before 24:00 on August 30
In fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? However, just after getting excited, I found that the two submenus were completely offline. To this end, CCB responded to the media that: CCB has carried out relevant functional tests in the mobile banking system, and now this test has ended. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially issued
CCB said that on the evening of August 28, CCB carried out relevant functional tests in the mobile banking system, and this test has been completed. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially released. At present, digital RMB is still under test, but the landing time is still unknown. The central bank has also said many times before that the internal closed pilot test does not mean that digital RMB is officially launched{ RRRRR}
the test only lasted for a few minutes, the public could not feel anything, and the test results were only known by the internal relevant personnel in fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? But just excited soon, I found that the two submenus were offline. In response, CCB said to the media: CCB has carried out relevant function test in the mobile banking system. At present, the test is over< at present, online information is the test content in the process of technology development, which does not mean that digital RMB is officially launched
after being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that digital currency will be issued and used soon. What's the use of digital currency? Is it the same as WeChat Alipay? In this regard, Wang Jian, chief analyst of Guoxin Securities financial instry, believes that the number of Renminbi and banknotes and coins are RMB cash. Alipay, WeChat payment and so on are just a payment tool. Through these two channels, the balance of personal bank card is still used, or the credit card is being brushed, and the digital Renminbi payment is used. What we spend directly is digital RMB, just like cash
2 if you don't want to do this, you can only go to the places where CCB's cooperative merchants support chip card auction and consumption.
3 in addition, this e-cash account doesn't need to be opened. It's an account with each chip card. After the money is deposited, you don't need to enter the password when consuming, you just need to clap it, It's also for convenience ~ ~ however, e to security problems, only small amount of
e-cash is supported at present. Its full name is electronic cash. Also known as e-money or digital cash, it is a very important electronic payment system. It can be regarded as the electronic or digital simulation of real money. E-cash exists in the form of digital information and circulates through the Internet. But it is more convenient and economical than real money. Its simplest form includes three main bodies: business, user and bank; And four security protocol processes: initialization protocol, withdrawal protocol, payment protocol, deposit protocol. The first e-cash scheme was proposed by Chaum [2] in 1982. It uses blind signature technology to realize it, which can completely protect the privacy of users. But this kind of completely anonymous e-cash also provides convenience for many criminals. They use the complete anonymity of e-cash to carry out some illegal and criminal activities, such as corruption, illegal purchase (such as buying drugs, arms, etc.), extortion, etc. Even if the police get the stolen money, they can't catch the criminals. For this reason, a reasonable e-cash system should be incomplete or conditional anonymous. In 1995, Stadler et al. [3] proposed the concept of fair blind signature, which can be used in conditional anonymous payment system. In 1996, Camenisch et al. [4] and Frankel et al. [5] independently proposed the concept of fair off-line electronic cash for the first time, and gave two schemes. The anonymity of users in fair e-cash is incomplete. It can be revoked by a trusted third party (TTP), so as to prevent criminal activities by using the complete anonymity of e-cash.
With the rapid development and popularization of network technology, people's life has almost undergone earth shaking changes. Many things that were extremely cumbersome and impossible in the past have become extremely convenient in today's changing network technology. Take the payment method as an example, the goods transactions of all dynasties are inseparable from the issue of coins, which is also the case for us in modern times. RMB, which is the most inseparable in our life, has been issued since 1948 for more than half a century, and its position in our daily life is needless to say