turkish ottoman jewelry wholesale Digital RMB is here, what is the digital RMB? How to achieve dual offline payment technology?

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"As long as you have digital wallets with digital RMB on your mobile phone, you do n’t even need the network. Can transfer the digital currency in a person's digital wallet to another. "
is it amazing? We are used to the era of various Internet Unicom. Does this offline payment technology feel very advanced?
Recently, the Shenzhen Municipal People's Government and the People's Bank of China have launched a pilot of digital RMB red envelopes. As a technician, I want to know how to achieve dual offline payment. I also want to know what is sacred in this digital RMB?

. What is digital RMB?
Id digital RMB is issued by the People's Bank of China. It is a legal currency with national credit endorsement and legal ability.
Compared with virtual currency such as Bitcoin, digital RMB is a fiat currency. It is the highest effectiveness and safety as the legal currency. Bitcoin is a virtual asset. Any sovereign credit guarantee cannot ensure stability of value. This is the most fundamental difference between central bank digital currencies and Bitcoin and other encrypted assets.
1. Double offline payment. Like paper money to meet the electronic payment needs of poor network signals such as aircraft, cruise ships, and underground parking lots;
2. Higher safety. If there is actually a stolen behavior, the digital renminbi can provide the loss function of the renminbi;
3. Multi -terminal selection. If you are unwilling to use or have no ability to use smartphones, you can choose IC cards, function phones or other hardware;
4. Multi -information intensity. Depending on the intensity of customer information, the digital RMB wallet is divided into several levels. If a large amount of payment or transfer, the real -name wallet with high information intensity must be passed;
5. Point -to -point delivery. Through digital currency smart contracts, fixed -point delivery can be realized. Minsheng funds can be distributed on the digital wallets of the masses, thereby eliminating the possibility of false reporting and removing misappropriation;

. What is the difference between digital RMB and Alipay, WeChat and other electronic wallets?
The first point, the statutory currency of the digital RMB, no institution or individual may refuse to accept it, and WeChat payment and Alipay are just a payment method.
For example, if you pay for shopping in the mall, do you say you can pay with WeChat? The owner tells you not, I only support Alipay here, and you are helpless. But you pay differently with digital RMB. If the owner does not accept it, you can call the police directly.
The second point, third -party Internet payment such as Alipay and WeChat Pay requires device connection networks before settlement, but digital RMB can be double offline. In other words, as long as the mobile phone has electricity, even if the entire network breaks the digital RMB, payment can be achieved.

PS: Now Alipay and other technologies can actually realize single line technology, that is, there is no network signal on the mobile phone. When the consumer terminal is connected to the network, it can actually be consumed. After the network, there will be SMS messages and other notifications to notify you to consume success. But this must guarantee that the consumer terminal is connected to the Internet.

The third point, the third -party Internet payment such as Alipay and WeChat Pay belongs to the settlement currency settlement of commercial banks, and digital RMB belongs to cash in circulation.简单来说就是，使用央行数字货币支付，花出去的是数字化的人民币，跟花现金一样；而支付宝、微信支付只是一个支付工具，通过这两种渠道，花的是你银行卡里的余额、 Or swipe the credit card.

. What are the principles of dual offline payment technical in the final realization of digital RMB? What are the tall technologies?
This is the most amazing place I think. How to achieve the safety of digital RMB through dual offline technology?
It the function of offline payment is not fresh, WeChat and Alipay have been realized, which allows us to "enjoy first and then pay" in some scenes. However, this offline payment can generally only allow the payer to offline, and the recipient must be online and pass the offline payment information to the platform server to check. How is the "double offline payment" of DC/EP realized? According to Alipay participating in DC/EP, in the scenario of both parties to the receipt and payment, the bookkeeper first will be replaced and then deducted when you can do security verification.
The "double offline payment" is also facing higher security risks. Some people may use the time difference between the time to make evil, such as repeating the same digital currency several times. In reality, this is a clone fake currency, and the online world As long as the core data of digital currency is copied, this is the "double flower problem" in the industry (). This is our most worried security issue.
In order to prevent "double flowers", the third -party payment platform needs to verify each transaction, but "double offline payment" cannot be verified as soon as possible. Therefore Scenes to reduce risks.

. The application scenario and principle of dual offline payment
The core of double offline payment refers to the process of completing the business when the medium and acceptance terminal are offline. The most typical is the payment business and the payment business and Verify your identity. For the payment business, the process of completing the closed -loop transaction by the delay after the transaction is completed. The core is a technical solution to achieve fast core and payment.
The business mechanism has two core points. One is that there are two features on the business mechanism, including the core and payment; the other is that there is a trust mechanism between the terminal and the medium. There are three dimensions in terms of transaction security mechanism: (1) one is the amount of risk control, that is, the amount of transaction after dual offline; (2) the second is that there will be a mechanism for padding and recovery; Credit system.

5. Is the touch of the number of digital renminbi be safe? Will anyone just use a mobile phone to touch my mobile phone and stole my money?
The answer is, it must not.
This Digital RMB to touch the technology behind the payment of NFC technology, it is much safer than the QR code scanning code.
NFC is a close -up high -frequency wireless communication technology. NFC transmission distance is less than 10 cm, and point -to -point communication is used, without requiring third -party device transmission signals. NFC mobile phones support chip hardware encryption and software encryption. You can complete the point -to -point encrypted communication in less than 0.1 seconds to ensure payment security.

6. Will you pay directly if you touch your phone?
of course, you do n’t pay directly when you touch your mobile phone. After you touch it, you need to enter the payment amount, and enter the payment password or fingerprint to complete the transfer. The steps are similar to the current code -scan payment. There is no doubt that it is more convenient than scanning the code. The code -scanning payment encounters a bad network or the light is not good, which cannot complete the payment. As long as it is within 10 cm, it can be paid. Its payment experience and security are better than the code scanning payment.

7. Is there a similar case for dual offline technology?
We we know that in the scenario of both parties to the receipt, we will pay the account first, and then deduct the payment when you can do security verification.
think about whether the bus system is also the case? There is money in the bus card. You can get the card to get on the car without the network.

In analogy, in the case of good network conditions, first recharge the amount into the carrier, IC card or mobile phone, and then you can realize online or offline credit cards based on IC technology or NFC technology. Essence If you can understand the online card online, the offline swipe card is nothing more than waiting for the network to settle with the center.