Alipay WeChat is virtual currency

3.

WeChat payment, Alipay, mobile payment, all belong to the network virtual currency, all of these three belong to China's legitimate trading means, and are protected by relevant laws. p> The network virtual currency refers to the online equivalent, which is stored in the network or related electronic equipment in the form of digitization by a certain issuing body based on the public information network and by means of computer technology and communication technology, and realizes the functions of circulation and payment by means of data transmission through the network system

extended information:

the third party payment has significant characteristics:

1. The third party payment platform provides a series of application interface programs, which integrates a variety of bank card payment methods into one interface and is responsible for docking with banks in transaction settlement, making online shopping faster and more convenient

Compared with other payment protocols such as SSL and set, the third-party payment platform is more simple and easy to accept

The third-party payment platform itself is attached to the large-scale portal website and relies on the credit of the bank with which it cooperates. Therefore, the third-party payment platform can better break through the credit problems in online transactions and promote the rapid development of e-commerce

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. On

10 10, two major domestic payment giants Alipay and WeChat simultaneously voicing, prohibiting the use of platforms in virtual currency transactions. Why did Alipay and WeChat voice at the same time? The reporter understands that this may be related to a dynamic trend of a virtual trading platform in the near future. P>

Alipay and WeChat: once found and resolutely retreated,

has repeatedly banned payment agencies to provide virtual

services. In fact, the central bank and its branches have repeatedly requested payment agencies not to provide services for virtual currency transactions.

as early as the end of 2013, the central bank and other ministries and commissions issued the notice on preventing bitcoin risks, which made it clear that all financial institutions and Payment institutions should not price procts or services with bitcoin, buy or sell bitcoin or act as central counterparties, underwrite insurance business related to bitcoin or include bitcoin in the scope of insurance liability, Shall not directly or indirectly provide customers with other services related to bitcoin, including: providing customers with bitcoin registration, trading, clearing, settlement and other services; Accept bitcoin or use bitcoin as a payment and settlement tool; Carry out bitcoin and RMB and foreign currency exchange services; Carry out bitcoin storage, custody, mortgage and other services; Issuing financial procts related to bitcoin; Take bitcoin as the investment target of trust, fund, etc

in September 2017, the central bank and other seven departments jointly issued the announcement on preventing the financing risk of token issuance, which stipulates that financial institutions and non bank payment institutions shall not directly or indirectly provide procts or services such as account opening, registration, trading, clearing and settlement for token issuance financing and "virtual currency"

similarly, the business management department of the central bank issued a notice in January 2018, requiring all legal person Payment institutions under its jurisdiction to carry out self inspection and rectification work in their own units and branches, forbidding to provide services for virtual currency transactions, and taking effective measures to prevent payment channels from being used for virtual currency transactions

6. It is a virtual currency, and Alipay and WeChat will not be abolished, because it first takes the place of all the way of life communication nowadays.

7. Lin is a virtual currency. But now many people pay directly by wechat. The function is basically the same as cash. But after all, it's invisible, so it's virtual currency
you can also use the money in wechat. Direct to the bank card. And then take it out, so it's a solid coin

8. It's not a mining machine. It depends on where you put it. There are high gold mines. It's all stone

9. Now, Luban software launch activities, registration can enjoy 30 days of free use of Luban developer platform, at the same time, Luban developer platform can be widely used in application scenarios, such as: smart site, based on the motor development site visualization platform, through the cloud, PC, web and BIM data stream, carrying terrain and BIM model data; Smart site web version, the third construction section of the park site, uses the motor web SDK to carry terrain data, fine BIM model data, docking development project management data and applications; The smart exhibition hall uses the motor web SDK to carry BIM model data and display the model data information of each floor in detail; Shanghai 3D big data, using the motor web SDK to display the 3D scene model of Shanghai core area, using big data combined with 3D model, makes the data visualization effect better; The second development of foundation pit monitoring function is based on builder. The monitoring points can be set freely on the BIM model. According to the information of the monitoring points, the monitoring report and pre alarm report can be generated; Mobile video monitoring application, using iWorks app custom development video monitoring mole, can monitor the site situation in real time. Each monitoring point can be associated with project, component type or specific components. Based on the development of motor desktop graphics engine, Jiumian Expressway integrates DEM, DOM, Bim and other heterogeneous data, 1:1 Integrated Engineering GIS environment model, showing the panorama of more than 200 kilometers of high-speed. On this basis, it integrates intelligent construction site related IOT equipment: toxic gas, personnel positioning, video monitoring, mixing station, laboratory, tension grouting, advanced geological prediction Quality inspection and other data enable users to effectively manage the construction progress, quality and safety of high-speed kilometer in real-time and dynamic way through visualization, which greatly improves the management and control level of the whole project. Based on the development platform of motor desktop graphics engine, Ouyang Street adopts the solution of community fine management, deeply integrates the urban "neuron" smart community system, and uses the concept of "digital twin city" to restore all buildings, roads and environment in the street community in a 1:1 three-dimensional digital way, so as to build a building space-time big data management platform within the scope of smart community, The "five violations and four necessities" of the community, public opinion of residents and other information are corresponding to the building space location of the digital world, so as to realize the visual management of the affairs in the jurisdiction. The intelligent management platform system of a park is developed based on the web-side graphics engine, aiming at the normal display of information of all buildings in the current park, such as the rental rate, the number of buildings, the area that can attract investment, etc; And docking the park's video surveillance, vehicle identification and other IOT equipment, real-time display of the park's panoramic information. It provides intelligent management services for park management and investment exhibition.

10. As far as I know, many enterprises at home and abroad are doing it, including many large banks that have launched their own blockchain solution platforms or solutions. But it's important to say who does well. I think it's still a professional winner. For example, I'm familiar with interesting chain technology, which is a company specializing in the application of blockchain technology. Although it has not been established for a few years, it has a strong momentum of development, and I'm optimistic about it.