Original Title: Beijing Digital RMB Pilot: Millions of People Seek “Koi”
On the evening of February 10, Beijing’s “DigitalWangfujing“Ice and Snow Shopping Festival” event announced the results of the lottery, and 50,000 200 yuan figures were issued at a timeRMBRed envelopes.This eventShareMore than 2.52 million people made appointments to register, and the winning rate was only 1.98%. Many people called for “koi”.
On the morning of the 11th, lucky “Koi” Ms. Pan arrivedWangfujingPilot merchants Winter Olympicsflagship storeEarly adopters.She toldshellFinancial reporters, the overall experience is similar to that of WeChat and Alipay, and the acceptance speed is relatively fast. After expanding the use in the future, they are most concerned about the application scenarios and convenience.
During the interview, the reporter also learned that 4 ATMs of ICBC’s Xindong’an Sub-branch have supported the exchange of digital renminbi and cash. In addition, manybankDeveloped and invited internallytestDigital RMB payment media such as “hard wallets” and wearable devices will be promoted in the next step.
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2.52 million citizens make an appointment for registration
“Good luck this time!”, “This is the rhythm of a good start in 2021.” On the evening of February 10, Beijing’s digital renminbi red envelope arrived, and many citizens posted screenshots of the winning reminder.
Ms. Pan was also one of the winners. She came on the morning of the 11thWangfujingThe pilot merchant’s Winter Olympics flagship store is early adopters, and the clerk gave her a Chinese visa, thank you for the digital RMB pilotjobssupport.
Caption: On the morning of February 11, Ms. Pan and her daughter, the winner of the lottery, came to the Wangfujing pilot merchant Winter Olympics flagship store to experience the digital RMBconsumption
Ms. Pan bought an umbrella, topaymentOpen the digital renminbi wallet and click “Slide up payment” on the page, and the payment will pop upQR code, The clerk uses the POS machine to scan and print out the receipt. The whole process only takes about 1 second. “The overall use experience is similar to that of WeChat and Alipay. I am still familiar with the (wallet) page. The payment scanning process is similar and the speed is faster.” Ms. Pan said.
The two participating in this public betabankThe relevant person in charge revealed to reporters that multiple rounds of verification have been carried out before the launch of the event.Among them, Li Dong, deputy director of the Personal Digital Finance Department of Bank of China Beijing Wangfujing Sub-branch, introduced that the pilot project was received in January this year.Notice, And then proceeded to upgrade the merchant equipment system intensively. Four rounds of testing were carried out before the event, and pilot merchants were also trained during the period.
The Winter Olympics flagship store is a pilot merchant that uses the upgraded POS machine from Bank of China.The reporter noticed that the digital RMB placed at the checkout counterLogoOn the card, there is also a “touch-sensing zone”, behind which is an embedded chip. This function has previously been unveiled in Shenzhen and Suzhou pilots.
Li Dong demonstrated to the reporter the “Push One Touch” payment. Also, click “Slide up Payment” on the Digital RMB App, and there is a “Push One Touch” option under the payment QR code. After clicking it, it displays “Ready to Scan”, close to the logo The card will pop up the payment page, enter the amount and the payment is successful.
There are also two vending machines in the Winter Olympics flagship store that can be used for digital renminbi payment, and support digital renminbi App and “hard wallet” payment at the same time. The reporter experienced using a digital renminbi wallet to pay for a bottle of Coke. Click “Scan Code to Pay” on the App homepage and scan the QR code on the vending machine to successfully purchase.
The Adidas store located in the APM shopping mall is also one of the pilot merchants.According to the store’s clerk, they also use Bank of China POS machines.bankPeople come to test, the payment fluency is very good, and Alipay, WeChat, etc.payment methodThe feeling is no different. In addition to merchants using POS machines to scan the QR code of consumers, consumers can also use digital renminbi wallets to scan the QR code on the sign for payment.
After the large-scale use of digital RMB in the future, what do users care most about? Ms. Pan said that she is most concerned about application scenarios and convenience. “If more and more scenarios are available offline, we will use it more frequently.”
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There are ATMs that support digital RMB, manybankInternal invitationuser experienceHard wallets, wearable devices
In fact, in multiple rounds of tests in recent months, the digital renminbi application scenarios have been continuously expanded.In addition to offline scenes such as hotels, restaurants, beauty salons, and bookstores, the Beijing pilotJingdongIn addition to online consumption, ICBC’s Xindong’an Sub-branch located on Wangfujing Street has 4 ATMs that support the exchange of digital renminbi and cash.
A relevant person in charge of the bank demonstrated to reporters that after clicking “Other non-medium transactions” on the ATM screen, the next page has two options: “Mobile Pay/Contactless Card” and Digital RMB. Digital RMBserviceIt also includes two services: “digital RMB exchange for cash” and “cash exchange for digital RMB”.
SavecashSelect “Cash to exchange for digital RMB”, enter the bound mobile phone number, and insert the banknote after the information is verified.deposit, And then refresh the digital RMB wallet to see the amount change.For cash withdrawal, choose “digital renminbi to cash”. Currently, ICBC is requiredmobile bankFor the internal experience digital wallet in the App, use the “Scan” function to scan the QR code on the ATM machine. The aforementioned digital RMB vending machine is also a relatively novel pilot scenario.
And away from mobile phones, the use of digital renminbi is also constantly promoting new media.Postal Savings BankBai Disheng, deputy director of the Internet Finance Department of Beijing Branch, showed reporters two “hard wallets”, both of which are similar in size to bank cards, with an ink screen on the right.
A superimposed digital renminbi and health treasure function, convenient for the elderly who can not use smart phones flexibly. When used for transactions, you only need to paste the POS machine, and the transaction amount and balance on the ink screen will change.
On the same day, a citizen’s grandma was invited to experience the “hard wallet” at the pilot merchant Wu Yutai. She sent the “hard wallet” toShopTap the thermometer at the entrance, and the health code will be registered successfully on the thermometer screen. “Sometimes when I go to some places to buy things, I will first scan the code (with my mobile phone) when I enter the door, and I will not buy it. It is very convenient (using a hard wallet).”
The other is a fingerprint hard wallet. You need to press and hold the card and swipe your fingerprint when paying, otherwise the transaction cannot be successful. “This model is more secure. Just like we spend cash, you don’t need to enter a password when using a hard wallet. If you lose it accidentally, it will causefundsLoss, so the fingerprint model was designed. “Bai Disheng revealed that currentlyPostal Savings BankHard wallets are given priority to some front-line workers in the fight against the epidemic.
Bank of China has also developed a “hard wallet”, and also tested digital renminbi payment media such as watches, badges, and ski gloves, which are convenient for use in situations where it is not available. Li Dong, deputy director of the Personal Digital Finance Department of Bank of China Beijing Wangfujing Sub-branch, showed reporters that ski gloves are divided into men’s and women’s models. There is a customized ultra-thin chip on the back of the gloves. The transaction can be successful by just sticking to the POS machine. The same is true for watches and badge wallets.
It is understood that both “hard wallets” and wearable payment devices use NFC (Near Field Payment) technology, and are currently still in the internal invitation experience stage. The next step will be promotion, using mobile banking and other corresponding apps to recharge internally.
(Article Source:shellFinance)
(Editor in charge: DF064)
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