Sino-Singapore Jingwei Client, December 12th (Wei Wei) After Shenzhen launched the 10 million yuan digital red envelope in October this year, the digital red envelope of Suzhou also came.
This time, a total of 20 million yuan of digital RMB red envelopes were issued to all eligible Suzhou citizens, with a total of 100,000 red envelopes, each at 200 yuan.
Compared with the Shenzhen pilot, the biggest highlight of the Suzhou Digital RMB Wallet is the introduction of online payment and "dual offline" payment.
How to use these functions?
What problems should be paid attention to?
Sino-Singapore Jingwei Client will take you to find out.
Consumers can be "swept" or "main sweep"
On the day when the winning result was announced on the 11th, many netizens posted their winning pages on Weibo.
A reporter from Sino-Singapore Jingwei visited Wuyue Plaza in Suzhou's Xiangcheng District High-speed Rail New Town that night and found that many merchants’ checkout counters were placed with QR code stand-ups for digital renminbi, alongside the QR code stand-ups of WeChat and Alipay. put.
Offline digital renminbi payment source: JD Digital
Digital RMB scan code payment source: Photo by Wei Wei, Sino-Singapore Jingwei
According to the standing sign, users can either "touch" using NFC to pay, or use the digital RMB App to scan the QR code to pay.
Previously, when Shenzhen piloted digital RMB red envelopes, merchants held POS machines to scan consumers' payment codes, that is, consumers were the "scanned" party.
This time, the Suzhou pilot can achieve consumer scans and scans.
"For the digital RMB, the original POS machines and other cash register machines have been upgraded and transformed." said Chen Ruxin, the owner of Jingdong Five-Star Electrical Appliances in Wuyue Plaza, Suzhou.
Another liquor seller revealed to the Sino-Singapore Jingwei client that as early as last month, bank staff came to help him debug his equipment.
Chen Ruxin also said that in addition to the machine tool modification, the store also went to the bank to handle the digital RMB function.
"It is equivalent to an extra payment. In addition to the original cash and bank cards, there is now an additional digital renminbi payment method." He said.
Guo Yanhao, deputy director of the Local Financial Supervision and Administration Bureau of Xiangcheng District, Suzhou City, said that currently more than 10,000 offline merchants in Suzhou support digital RMB payments.
He pointed out that this Suzhou pilot has three highlights. One is NFC touch payment, which is the first time that most merchants in the country support NFC payment; the other is to support digital RMB online payment. JD is also one of the platforms that supports online payment. Users whose delivery address is in Xiangcheng District can also pay cash on delivery, so they can experience digital RMB payment without leaving their homes; third, they can participate in dual offline payments, which can be achieved by citizens without a network environment or a poor network environment. Dual offline function.
Online payment needs to push "sub wallet"
Compared with the previous Shenzhen pilot, another major difference of this Suzhou digital RMB red envelope is that the winners can spend online.
The Sino-Singapore Jingwei client learned that compared with the Shenzhen pilot, the opening banks of the Suzhou pilot red envelope are based on the Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, and Construction Bank. Two state-owned banks, Bank of Communications and Postal Savings Bank, have been added. Row.
Digital renminbi red envelopes of the six state-owned banks Source: Weibo
A winning consumer showed his digital renminbi app to the Sino-Singapore Jingwei client. The page is the same as the digital renminbi app in the Shenzhen pilot. After entering the page, it also displays "upward payment" and "downward payment", in the upper right corner Click "More", you can see the digital RMB sub-wallets of the six major banks in the "Sub-wallets".
The Sino-Singapore Jingwei client found that the online cooperation strategies of the six major banks are slightly different.
Among them, the JD App can be used by Industry, Agriculture, China, Construction, Communications, and Postal Savings Bank. JD Digital has also become the first technology company to cooperate with all six major banks and access the digital RMB e-commerce platform consumption pilot scenario.
In addition, ICBC’s digital RMB red envelopes can also be used in Meituan Bikes and Didi Travel, Bank of China can be used in Bilibili, and CCB can be used in Shanrong Business.
It is worth noting that, different from the previous opening of different payment methods through e-commerce platforms, consumers in this pilot program need to actively push digital wallet "sub-wallets" to merchants in the Digital RMB App before they can use digital RMB to pay.
In addition, when the payment amount exceeds 200 yuan, the user needs to recharge the digital wallet before completing the payment.
"In this Suzhou pilot, digital renminbi combined with online consumption scenarios such as JD.com launched the'sub-wallet' function service for the first time." A person close to a commercial bank introduced to the Sino-Singapore Jingwei client.
Digital RMB APP Source: Sino-Singapore Jingwei: Photo by Wei Wei
The above-mentioned person stated that payment using sub-wallets has three major characteristics: First, it is convenient and fast. The digital RMB App pushes the sub-wallets to merchants immediately, and instantly supports the use of digital RMB payments in merchants. Second, security is guaranteed. In the digital renminbi App, the payment limit of the sub-wallet is adjusted in real time and the sub-wallet is closed to strengthen the user's security management of the sub-wallet; the third is privacy protection, that is, merchants cannot obtain the user's sensitive personal information and ensure that user privacy is not leaked.
“In the active push method, users don’t need to remember their card number, just click a button and enter the password and verification code.” Lu Yunhan, the digital renminbi project manager of JD Digital, told the Zhongxin Jingwei client that in the future, it will also contact the central bank and operating agencies. Explore innovative methods together to meet user needs.
"Double offline" limit of 2,000 yuan per transaction
"I saw the push of the event on the official account, so I signed up. When I signed up, there was a check box. I checked whether to participate in the offline wallet experience." The consumer's Ms. Lu said that she received it on the 11th. A text message notified "Successful Participation Experience". On the morning of the 12th, she deliberately went to the Three Squirrel Store on the basement level of Rainbow Plaza in Suzhou to experience an offline wallet.
The so-called dual offline mode is a unique payment method for digital renminbi, that is, when there is no network, both parties can use the digital renminbi wallet to "touch" and complete the payment.
In the absence of Internet or weak Internet, users do not connect to the back-end system when making transactions or transfers. Instead, they complete the transaction by verifying the user's identity, confirming the transaction information, and making payment in the wallet.
In this pilot, only some users can experience the dual offline function, which requires the use of mobile terminals designated by Huawei and vivo, and an App with offline payment functions.
The owner, Mr. Ma, told the Sino-Singapore Jingwei client that about 20 days ago, when CCB staff came to promote the digital RMB wallet, he took the initiative to sign up.
With the help of the staff, he downloaded the merchant version of the digital renminbi App, opened a digital renminbi account, and then participated in relevant training.
"My store is on the first floor, and I often encounter bad mobile phone signals, and consumers occasionally cannot pay. This time the digital RMB can support dual offline. This feature is very practical for me." Mr. Ma said.
He further stated that the most attractive thing about the digital renminbi is the absence of handling fees.
"The digital RMB wallet can deposit the received money directly into the bank without any handling fees. In the past, WeChat and Alipay had to charge a certain percentage of handling fees." Mr. Ma said.
The Sino-Singapore Jingwei client saw that when Ms. Lu checked out, the shop owner clicked "Slide to receive" and then opened "Touch" and input the amount of the payment. At the same time, Ms. Lu also opened the "Touch" page in her App. When both parties are in flight mode, the mobile phone can be touched together to complete the payment.
The owner said that from 20 o'clock on the 11th to 11 o'clock on the 12th, 8 customers have come to try the dual offline function.
Dual offline payment source: Photo by Wei Wei, China-Singapore Jingwei
While dual offline payment brings convenience to merchants and consumers, it also arouses netizens' concerns about its security.
The above-mentioned person close to the commercial bank told the Sino-Singapore Jingwei client that the dual offline payment product combines software and hardware, passwords, biometrics and smart risk control technology. The transaction process uses fingerprints and password verification, and a transaction limit is also set (the current limit is 2,000 yuan per Pen), to comprehensively protect the security of the funds of both parties to the transaction.
At the same time, when the user opens the dual offline payment function, the user will be guided to sign an agreement.
After the event, you can continue to use the Digital RMB App
For consumers who have won the lottery, please note that the validity period of the digital renminbi red envelope is from 20:00 on December 11, 2020 to 24:00 on December 27, 2020. Red envelopes that have not been used within the validity period will be invalidated and removed from the personal digital RMB wallet. Retracted.
However, Lu Yunhan said in an interview with the Sino-Singapore Jingwei client that the part that consumers fill up their wallets can still be used after the validity period.
"Current pilot users can continue to use the digital RMB app after the event, and JD Digital will continue to provide online and offline consumer scene services."
After the digital renminbi has been piloted in Shenzhen and Suzhou, many netizens are concerned about whether the digital renminbi will continue to be promoted in other cities.
Dong Ximiao, chief researcher of China Merchants Union Finance, told the Sino-Singapore Jingwei client that in view of the adequate preliminary preparations for the digital renminbi and the smooth progress of internal testing, it is recommended to expand the scope of the digital renminbi pilot in an orderly manner, and formally launch the digital renminbi as soon as possible to better satisfy the public The demand for legal digital currency in the digital economy era.
(Zhongxin Jingwei APP)
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