vintage gold jewelry wholesale The concept, characteristics and classification of electronic currency
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wholesale sterling silver childrens jewelry Concept:
refers to the use of a certain amount of cash or deposits to exchanges from the issuer and obtain data representing the same amount or the fast payment service launched through the bank and third party. The balance is transferred so that the transaction can be performed.
The features:
This in the form of electronics to make consumers transaction
Classification:
1. Classification according to the degree of acceptance: single use electronic currency, multi -purpose electronic currency
2. Classification according to the method and conditions: online authentication system electronic currency, online anonymous system electronic currency,
3. Classification by settlement method: Payment method Electronic currency, payment method electronic currency
4. : Bank cards, network currency
5. Classification according to the form of electronic currency circulation: open ring -shaped electronic currency, closed -loop -shaped electronic currency
extension information
electronic currencies are just conceptualization. Currency information, it is actually a special information composed of data containing the user's identity, password, amount, and scope of use, so it can also be called digital currency.
Pets when people use electronic currency transactions, in fact, the relevant information is exchanged. After this information is transmitted to a merchant who opens this business, the two parties to the transaction will settlement. faster.
Reference materials Source: Baidu Encyclopedia-Electronic Currency
wholesale custom jewelry packaging supplier The user of the electronic currency used a certain amount of cash and deposits, exchanged data from the issuer and obtained the same amount of data, and stored it in the manner of the read and write. The media and methods are directly transferred to the payment object, which is called electronic currency.
1) Electronic currency, as a combination of modern technology and modern financial business, has the following outstanding characteristics:
1. Electronic currency is a virtual currency. It is an intangible currency that appears on the basis of highly developed banking technology. It uses digital pulse instead of metal, paper and other vectors for transmission and display funds. The size, weight and mark, the actual feeling of holders can not be held.
2. Electronic currency is an online currency. Electronic currencies are usually transmitted on a dedicated network. PoS and ATM are processed. That is to say, electronic currencies are existing banks, checks and banknotes, and they circulate a lot of money through the network online. Electronic currency storage requires storage equipment, exchange means, and computers that need to be used for communication, keeping their security needs encryption and decryption.
3. Electronic currency is an information currency. In the final analysis, electronic currency is just conceptual currency information. It is actually a special information composed of a set of numbers containing users' identity, password, amount, and scope of use. When people use electronic currency transactions, they actually exchange relevant information. After the information is transmitted to a bank that opens this business, banks can settle settlement for both parties, so that consumers and enterprises can save money more than the real banking system than the real banking system. More convenient and faster ways to receive funds.
2) Generally speaking, we divide the electronic currency into the following two types:
1. Kaki electronic currency system, including smart cards and storage cards, both are both Plastic cards with purchasing power, the electronic value contained in it has been pre -paid by the cardholder. "Kaki" products are mainly designed for small payment for retail transactions, and show the potential of replacing banknotes and coins in this field.
2. Products based on computer software, this product needs to install special software on the computer, so that the electronic value can be passed through the telecommunications network. Software -based systems mainly achieve remote payment through computer networks. They also have the strength to replace cash, and to a certain extent will replace other paperless payment tools.
It the above analysis, we understand the basic concepts and characteristics and classification of electronic currencies. In addition, we know that electronic currency is the medium of electronic payment. We can clearly see the role of electronic currencies in the process of electronic payment through Figure 1.