原始标题：带您了解一下，收集六种主要的数字人民币钱包有什么经验？
概括
[Takeyoutofindoutwhatistheexperienceofgatheringthesixmajordigitalrenminbiwallets?】ThedigitalrenminbitestingprocessisspeedingupThereporterrecentlylearnedthatthesixmajorstate-ownedbankshavebeguntopromotedigitalrenminbicurrencywalletsInstate-ownedbankoutletscustomersonlyneedtosubmitanapplicationtoapplyforawhitelistandparticipateinthetestbysettingupbanksub-walletsinthecentralbank’sdigitalRMBAPP(ShanghaiSecuritiesNews)
digitalRenminbitestThe process is speeding up.The reporter recently learned that the six major countriesbankHas begun to promote the digital renminbicurrencywallet.State-ownedbankAmong the business outlets,clientYou only need to submit an application to apply for a whitelist,Set up in the central bank digital RMB appbankParticipate in the test in sub-wallet mode.
Many application scenarios have begun to accept digital renminbi.Not onlyJingdong, Meituanthe InternetHead platform, and ShanghaisubwayThe black pick vending machine in andXujiahuiPhysical shopping malls like Huijin Department Store have all startedacceptDigital RMB as paymentcurrency。
Let’s go, the editor will take a look at Shanghai to find out the progress of the digital RMB wallet.
All six major banks can apply to participate in the test
The digital renminbi is getting closer and closer to the citizens of Shenyang.
After testing the water to visualize the digital renminbi hardware wallet in January, Shanghai citizens became more interested in the digital renminbi issued by the central bank.At present, the six state-owned banks, including industry, agriculture, China, China Construction, Communications, and Postal Savings, have begun to promote digital renminbi wallets.bankAll outlets can apply for the whitelist test and participate in the digital renminbi test.
The public large-scale test of the digital renminbi began in October last year and is still ongoing.
A familyPostal Savings BankBranchjobsThe staff told reporters,Postal Savings BankThis business has been handled for some time, but this application is not the previous visualized hardware digital renminbi wallet, but the central bank’s digital renminbi APP.Postal Savings BankSub-wallet.
In addition, Bank of Communications can also apply for a whitelist for digital RMB testing.Reporter atBank of CommunicationsA branch in Pudong saw that when a customer applied for a digital RMB wallet, the bank staff would register it and then apply for the customer to be included in the whitelist.
Other major state-owned banks can directly apply for the whitelist by simply scanning the code. According to reports, the time of this process is uncertain, and the background will screen according to customers, and then determine the whitelist. It is understood that not all applicants can be passed, and some customers did not meet the requirements during the application process.
“Please sweepQR code, Apply forScience and mathematicsCharacter renminbi personal wallet. “inXujiahui, A staff member of ICBC showed the image of the scan code application to the reporter.
In this picture, there is not only a QR code link to the registration page, but also a reminder to applyProcess。
“The first step is to scan the QR code to apply and register information; after receiving the successful text message, scan the code again to download the central bank digital RMB app. After that, register the app to open an ICBC wallet. Finally, you can bundle your bank card to upgrade your wallet.” ICBC staff told reporters Explained the whole process.
There is also a limit for bank sub-wallets applied for in the Digital RMB APP. The cumulative payment limit on the initial day is only 1,000 yuan, and you can apply for an upgrade in the future.
Unlike other banks, the Agricultural Bank of China will actively guide customers to handle the digital renminbi wallet function on the ABC APP instead of downloading the central bank’s digital renminbi wallet.FromABCIt can be seen on the APP, in the “features”serviceAmong them, there is a digital RMB account, which is a type 2 payment account.
Wallet digitization in the true sense
A banker said that digital renminbi wallets are important for individualsconsumptionIt is of great significance to the reader, because it does not have to be bound to a bank card. It is a real electronic wallet, which is also a major feature that distinguishes it from third-party payment tools.
Mu Changchun, director of the People’s Bank of China’s Digital Renminbi Research Institute, said at the weekend that the current payment tools, whether they are bank cards, WeChat, or Alipay, are bound to the bank account system. Bank account opening is a real-name system, which cannot meet the demands of anonymity. The digital renminbi is loosely coupled with bank accounts, enabling small amounts of anonymity technically.
[Tips]松耦合和紧耦合是对应的关系。 例如，两个模块，即A模块和B模块，当两者非常相关时，称为紧密耦合，反之亦然，则是松散耦合。 紧密耦合就像两个人绑在一起，并且它们限制了彼此的动作。 最好两个人都保持静止。 松散的耦合可以比作两个人在一个团队中扮演的角色，但是他们之间没有绳索连接。
当被问及支付宝和微信支付之间的区别时，工行的一名工作人员说，数字人民币的优势是无限的法律报销和对电子支付的支持。
申请数字人民币钱包的客户数量在增加，但无疑是相对集中的要求。
在接受记者采访时，一些银行客户表达了对“连续三年”的期望，他们对数字人民币感到好奇，愿意优先尝试，并对上海发行数字人民币红包充满了期望。
在此之前，深圳，苏州，北京，成都等地已经开展了数字人民币测试活动，发行红包已成为重要的驱动模式。
多个场景可以参与测试
据报道，即使他们已经申请了白名单的客户，大多数人仍然不熟悉如何连接使用场景。 记者发现，上海很多企业已经可以使用数字人民币了。
记者徐家汇工行对面的汇金百货了解到，该商业大楼已开始试用数字人民币。 在结帐过程中，明确提醒您可以使用数字人民币付款。
“我们已经从今年3月8日开始接受人民币数字化付款。在试点阶段将进行特殊的结帐。柜台处理数字人民币业务。 不仅汇金百货商店，而且汇金超市也可以使用数字人民币付款。 汇金百货公司一位负责付款的工作人员说。
一位商人说，从以前的用法来看，它更有可能在妇女节发布。福利从那时起，数字人民币的性质就没有被频繁使用。
据了解，武康大厦下的大印书店也可以使用数字人民币。 这家书店说，春节过后发生了一件大事，但最近很少有客户选择数字人民币付款。
尽管飞行员不是很忙，但许多客户表示，地铁中的黑皮自动售货机使用得更频繁。 根据试点客户的经验，当前可以使用扫描码和QR码付款。
从去年开始，数字人民币已在深圳，苏州，北京，成都等地试行，数字人民币功能正在朝着不断深化的方向发展。 从最早的扫描码支付以提高便利性，到随后的可视硬件钱包解决数字鸿沟问题，再到离线支付，都反映了数字人民币系统的不断改进和进步。
一位银行客户说：“我希望上海将来能够试行更具吸引力的付款方式和功能。”
相关报告：
数字人民币“侵犯用户隐私”是一种误解吗？ “可控匿名”的设计是什么？看看中央银行穆长春的最新回应
数字人民币的设计思想是开放的：“少量匿名，大量可追溯”
（资料来源：上海有价证券报纸）
（负责人：DF398）
郑重声明：此信息的目的是传播更多信息，与该立场无关。