“According to the draw result of the’Digital RMB Five-Five Happy Shopping’ campaign: Congratulations, you have won the lottery!” On June 11, the result of the Shanghai Digital RMB lottery was announced. The effective number of applicants was 1952785, and the number of winners was 350,000, and the winning rate was 17.9%. Winners can download the digital renminbi APP according to the guidelines, open the digital wallet of the relevant bank, and get a digital renminbi red envelope of 55 yuan.
The red envelope is valid from 9:00 a.m. on June 11, 2021 to 24:00 on June 20, 2021. The expiration date is invalid.
This round of digital renminbi red envelopes in Shanghai is still one of the many pilots for digital renminbi. Winners can use digital renminbi in pilot merchants that have completed the transformation of digital renminbi acceptance terminals in Shanghai, Suzhou and other places, as well as online platforms that have opened the sub-wallet push function in the digital renminbi APP.
Ms. An, the winner of the digital renminbi red envelope, said that after winning the lot, you can download the relevant bank’s digital wallet APP in the mobile application store with the exclusive redemption code; at the same time, those who have opened a digital renminbi account in the corresponding bank will also You can receive this red envelope directly in the digital RMB wallet in the bank’s APP.
At present, the Shanghai Headquarters of the People’s Bank of China, together with the Shanghai Municipal Commission of Commerce, has organized operating agencies to provide support to Shanghai’s “Two Streets” (Nanjing Road, Huaihai Middle Road-Xintiandi), “Four Circles” (Yuyuan, Xiaolujiazui, Xujiahui, North Bund) and Hongqiao Pilot merchants in the core area of the international open hub have completed the centralized transformation of digital renminbi acceptance terminals, covering department stores, catering and hotels, tourist attractions, vending, life services, home travel, theaters, etc. “eat, live, travel, travel, shopping, etc.” “Entertainment” in the livelihood consumption field. The list of pilot merchants (shops) has been announced on June 9, 2021 through official channels such as “Shanghai Release” and WeChat official accounts of various operating agencies.
During the Lujiazui Forum on June 11, Mu Changchun, director of the Digital Currency Research Institute of the People’s Bank of China, gave a detailed introduction to digital renminbi and digital wallets.
As a transformation product of the money bag, the digital wallet is the carrier of the digital renminbi. Mu Changchun said that there are currently four types of digital renminbi wallets, namely: wallets with different levels according to the strength of customer identification, personal wallets and public wallets according to the issuing body, and soft wallets and hard wallets according to the carrier. , Divided into parent wallet and sub-wallet according to the attribution of authority. The different combinations of the above dimensional wallets form the wallet matrix system of digital renminbi.
It is worth mentioning that, as far as wallets of different levels are concerned, the four types of digital RMB wallets with the lowest authority are anonymous wallets, with a balance limit of 10,000 yuan, a single payment limit of 2,000 yuan, and a daily cumulative payment limit of 5,000 yuan. This type of wallet can be opened with only one’s mobile phone number, which embodies the design principle of controllable and anonymous digital renminbi.
If you want to increase the payment limit, you can upgrade your wallet.
In addition, according to the carrier, digital wallets are also divided into soft wallets and hard wallets. Soft wallets include mobile payment apps and services provided by software development kits (SDKs); hard wallets include IC cards, wearable devices, and Internet of Things devices. “For example, we have launched a hard wallet product with a health code function for the elderly. While providing safe and convenient payment functions, it can also facilitate the daily travel of the elderly under the prevention and control of the epidemic.” Mu Changchun said.
A reporter from China Business News found that the digital renminbi wallet was unveiled at the CCB Jinke Lujiazui Forum booth. The “hard wallet” mentioned by Mu Changchun also surfaced. This is more for the elderly and children who are not accustomed to using mobile apps. of.
For example, a visual card with digital renminbi function is characterized in that the visual window can display the transaction amount and card balance, which is convenient to operate and has a good experience, and is suitable for consumption scenarios for the elderly.
There is also a visual card with a keyboard, which is characterized in that the visual window supports a button menu, and has the function of receiving and paying, and has an independent card power supply and independent power supply. This type of card is suitable for individual merchants’ collection and payment scenarios.
The fingerprint card is characterized by automatic fingerprint entry and convenient use. Fingerprint payment identification, high transaction security. This type of card is suitable for large consumption scenarios.
The bracelet wallet is characterized by convenience, fashion, and GPS positioning. Suitable for consumption scenes of primary and middle school students.
The feature of the desktop scanner is that it supports multiple payment methods of being scanned and touched. The color screen is oriented to customers, and the interactive experience is better. It can be connected to the cash register system or used independently. It is applicable to a wide range of scenarios, especially in campus, municipal, etc. bump and scan code scenarios.
The digital renminbi is a key link in the process of China’s digital transformation. Nowadays, the application scenarios of digital renminbi are gradually clear. In March, the six major state-owned banks have begun to promote digital renminbi wallets, and the application scenarios are gradually expanding, from offline retail channels such as subways and vending machines to online collaboration with platforms such as Meituan, JD.com, and Bilibili. Cooperation, and in the future, what can be expected is that the use of digital renminbi is extremely imaginative.
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