China News Network Tianjin, September 9 (Zhou Yaqiang) The reporter learned from the Tianjin Municipal Financial Bureau on the 13th that under the guidance of the bureau and the People's Bank of China Tianjin branch, recently, China Construction Bank Tianjin Branch successfully landed the first digital RMB hard wallet in Tianjin, which is also the first attempt to jointly issue a hard wallet by "operating institution + 13.2-layer cooperative bank" in the construction banking system.
It is understood that according to different carriers, digital yuan can generally be divided into "soft wallets" and "hard wallets". "Soft wallet" provides users with services based on mobile payment apps, software development kits (SDKs), application program interfaces (APIs), etc.; "Hard wallets" require hardware devices as a basis, often based on IC cards, SD cards, SIM cards, built-in security chips in mobile phones, wearable devices, Internet of Things devices, etc. to provide users with services.
The hard wallet issued this time adopts the quasi-account standard card mode design, anonymous issuance, supports "sticking and sticking", can realize soft wallet binding and recharge and other functions, and has significant advantages such as fast payment, privacy and security, and clear management. With the continuous development of IoT scenarios, hard wallets will be applied to more fields in the future, and play an active role in small high-frequency payments and customer privacy protection.
"The construction of the hard wallet scenario not only enriches the payment form of digital RMB, but also provides assistance for the improvement of the pilot application scenario of digital RMB in Tianjin." The relevant person in charge of Tianjin Municipal Financial Bureau said that the landing of this scenario is an important innovative breakthrough in Tianjin's pilot exploration of digital RMB, and it is also an active exploration of a new model of digital RMB inter-industry cooperation among financial institutions. (End)