Full process of using Digital RMB Digital RMB usage tutorial

　　Digital RMB needs to download the app to use, swipe up to pay, swipe down to receive, as simple and quick as WeChat and Alipay, combining scan and payment codes, and can also be used directly when the network is poor. Below is the tutorial on the usage steps and methods of Digital RMB.

　　Full process of using Digital RMB

　　Regarding how to use Digital RMB red packets for consumption, Shenzhen has released an official introduction, which specifically divides the usage methods of Digital RMB red packets into two categories: ‘User scans the merchant’s payment code for consumption’ and ‘Merchant scans the user’s payment code for consumption’.

　　In the phrase ‘User scans the merchant’s payment code for consumption’, the user needs to log in to the ‘Digital RMB App’, click on the personal digital wallet, and click the ‘Scan to Pay’ at the top right corner to scan the merchant’s payment code for payment; for ‘Merchant scans the user’s payment code for consumption’, it is divided into three steps: the user logs in to the ‘Digital RMB App’, clicks on the personal digital wallet, and clicks ‘Swipe to Pay’; it shows payment to the merchant, and when the user pays to the merchant for the first time using the payment code, they can choose to enable or disable small amount payment without password; if they choose to enable, they need to enter the wallet payment password after which the payment code is displayed; if they choose not to enable, the payment is made directly.

　　From the perspective of usage scenarios, the central bank lottery and How to find it does not pay interest, can be used in small, retail, and high-frequency business scenarios, and is not much different from using paper money. It does not rely on bank accounts and payment accounts, as long as the user has a lottery and How to find it wallet, it can be used. In the future, the central bank lottery and How to find it will replace some cash, but will not replace paper money completely.

　　In fact, from the actual situation of digital RMB, the usage method is not much different from Alipay and WeChat payment now, so users can basically get started in seconds.

　　Users scanned: Well micro oh convenience store, Tianhong supermarket, Walmart supermarket

　　The second test site was at Guomao Tianhong and Well micro oh convenience store of Tianhong. When passing through the Tianhong mall, most of the merchants inside had put up “digital RMB” stickers, and some merchants said that they had supported “digital RMB” for several months.

　　The cashier of Well micro oh convenience store told Mobile Payment Network, “This POS machine was set up by the China Bank people specifically, and it has been for several months, but it has never been used. When we first requested to try the “digital RMB” payment, the scanning failed, and the cashier seemed to have forgotten how to operate. She said that someone had taught her before, but it had been too long. I found that it was because the cash register system of the POS machine had not been upgraded for too long. While helping the cashier upgrade the POS and system, I also explored the payment method of “digital RMB”.

　　Mobile payment websites also found this “merchant lottery and How to find it intelligent POS operation process” at the cash register, so the payment process is clear at a glance: the merchant enters the cash register, selects the consumption function of “electronic payment”, enters the amount, and scans the user’s digital RMB “payment code” to successfully complete the payment.

　　According to the cashier’s confirmation, the intelligent POS收款 “digital RMB” in this case can only be paid through the above “merchant scan” form, and no merchant payment code is provided for the user to scan.

　　What is the digital RMB?

　　The official explanation for the definition of digital RMB is: the English abbreviation DCEP actually refers to the entire payment system of digital RMB.

　　The digital RMB is issued to the public by the People’s Bank of China and exchanged by designated operating institutions. It is based on a broad account system, providing a loose coupling function of bank accounts, and a payment tool with value characteristics, equivalent to the current paper currency and coins in terms of legal tender ability.

　　In a simple and通俗 way, the digital RMB is actually the electronic version of the RMB we use now, which is stipulated by the state and has the legal tender status, so anyone cannot refuse to accept it.

　　From the perspective of usage scenarios, digital RMB does not charge interest and is used in small amount, retail, and high-frequency business scenarios. Compared with paper money, there is no difference, and it should follow the current regulations on cash management and anti-money laundering when using it.

　　For users, just download and register a mobile application to use lottery and How to find it.

　　Has Anhui opened digital RMB

　　Digital RMB has been opened.

　　The pilot scenarios of digital RMB have exceeded 1.32 million, with a cumulative transaction amount of 34.5 billion yuan as of the end of this June, with Hefei participating in the digital RMB pilot.

　　According to the implementation of digital RMB pilot cities, digital RMB can not only be used in offline shops but also supports online platform payments.

　　When using digital RMB for payment online, it is realized through the form of sub-wallet push. When users use it online, they need to first turn on the switch of the corresponding sub-wallet in the digital RMB APP. The sub-wallet will be pushed to the corresponding platform. Then, when users make payments on the online platform, the option of digital RMB will appear, and by selecting this option, the payment will be completed.

　　When using digital RMB for payment in offline scenarios, you can choose any of the following methods: scan payment, tap-to-pay, or dual offline payment. Among them, ‘scan payment’ is consistent with the use method of WeChat Pay and Alipay. You can use the POS machine to scan the payment code in the user’s digital RMB wallet, or select digital RMB payment on the POS machine.

　　Can 7 Fresh use digital RMB

　　As of December 2, 2022, the JD.com APP, JD Finance APP, Jingxi APP, 7 Fresh supermarket, and other online and offline scenarios have all connected to the digital RMB acceptance function. JD’s aggregated payment for tens of thousands of offline merchants has also been equipped with digital RMB acceptance capabilities. JD’s cash register hardware products, such as self-service checkout machines, counter cash register equipment, smart POS machines, all-in-one machines, and JD cash register SDK, all fully support digital RMB payment.

　　How to use digital RMB for payment The way to use digital RMB
online casino secrets and The latest method
　　1. Download the ‘Digital RMB APP’, complete registration, login, and settings. (Currently, only people in pilot cities participating in the experience can download the APP.)

　　2. Swipe up to pay, swipe down to receive.

　　3. Merchants use POS machines to scan.

　　4. Users confirm the consumption amount and enter the password (users can also choose to pay without password).

　　5. Payment successful.

　　How does third-party payment promote the central bank’s lottery and how to find it

　　Third-party payment accelerates the acceptance of digital RMB business

　　Payment Encyclopedia

　　2021-05-17 19:13 Shanghai Yinxiang Culture Media Co., Ltd. official account

　　Attention

　　With the accelerated promotion of digital RMB, Internet companies such as JD.com, Meituan, Didi, SF Express, Ctrip, Suning, and others have successively joined the digital RMB camp and opened digital RMB payment services.

　　More than a dozen Internet platforms have become online scenarios for digital RMB,接入 digital RMB payment entry, and in the offline aspect, third-party payment institutions such as Hikotech are also actively expanding the ecology of digital RMB.

　　Recently, Wang Xin, the director of the Research Bureau of the People’s Bank of China, said that the pilot of digital RMB has accumulated rich experience, and digital RMB is being tested in many regions of China, and the testing scenarios are becoming more and more numerous and rich.

　　The former governor of the central bank also introduced the original intention of the development of lottery and How to find it, stating, ‘The current focus of lottery and How to find it is to establish a solid retail payment system. China’s retail market is very large, with 1.4 billion consumers, and everyone hopes that the payment system can be more convenient, more effective, and lower in cost.’

　　Among the offline merchants where digital RMB is implemented, there are also the figures of third-party payment institutions. In order to support digital RMB, third-party payment institutions have upgraded and innovated POS machines to seamlessly connect with digital RMB, successfully realizing the acceptance of digital RMB.

　　01

　　Improve payment experience

　　As the national team of the payment industry, Hikotech has started to lay out digital RMB since the pilot of digital RMB, and has reached innovative cooperation with Industrial and Commercial Bank of China on the pilot planning and promotion of lottery and How to find it in the offline collection field.

　　With the merchant resources and technical advantages of third-party payment institutions, they can play a key role in the promotion and popularization of digital RMB. For offline merchants, only the system construction and terminal upgrade by third-party payment institutions can enable merchants smoothly and improve their ability to receive digital RMB payments.

　　Hikotech intelligent POS can support Industrial and Commercial Bank digital RMB payment

　　At present, after several communications and tests, Hikotech has completed the preparation for accepting Industrial and Commercial Bank of China’s digital RMB. After the merchants receive the acceptance process training, they and consumers can experience the convenience brought by digital RMB.

　　02

　　Expand industries and scenarios

　　Retail is one of the most common and frequent scenarios of offline consumption, and it is also a key application field for lottery and How to find it. After completing the system and terminal debugging, on April 25, 2021, the Hikotech intelligent POS terminal supporting Industrial and Commercial Bank of China’s digital RMB payment successfully entered the department store and supermarket in Ganjiakou Building.

　　The implementation of the digital RMB acceptance business in the Ganjiakou Building is both the first step in the pilot promotion of Hikotech’s digital RMB acceptance business and another stage of collaborative development between Hikotech and Cuiwei Stock.

　　Now, the pilot of the digital RMB has passed its first anniversary, and the recognition and acceptance of digital RMB among merchants and users are both increasing. More and more industries and scenarios will be connected with digital RMB, and the expansion of third-party payment institutions in the digital RMB business will also be further extended.

　　The Construction Bank’s digital RMB wallet is a new service launched by the Construction Bank in the field of lottery and How to find it. Users can realize multiple functions such as account balance inquiry, transfer payment, wallet recharge, QR code payment through this wallet. The usage method is as follows:

　　Download and install: Users can go to the official website of the Construction Bank or the APP store to download the Construction Bank digital RMB wallet software and log in or register.

　　Open wallet: After logging in to the wallet, users need to undergo real-name authentication, bind their mobile phone number, and upload relevant identity proof materials.

　　Wallet recharge: On the wallet recharge page, users can select the recharge method (such as bank transfer, Alipay transfer, etc.) and enter the corresponding recharge amount. After the recharge is completed, the available balance of the wallet will increase accordingly.

　　Transfer payment: On the transfer payment page, users can enter the recipient’s name, bank account number or mobile phone number, fill in the transfer amount and transfer purpose, and then click the confirm button to complete the transfer payment operation.

　　QR code payment: On the QR code payment page, users can open their mobile phone camera to scan the merchant’s QR code, and then enter the payment password to complete the payment operation. In addition, users can also make quick payments through fingerprint recognition, facial recognition and other methods.

　　It should be noted that the use of the Construction Bank’s digital RMB wallet needs to ensure the security of the account. Users should pay close attention to their account balance, payment records and other information to avoid the risk of fraud and information leakage. If there is an account anomaly or transaction dispute, you should contact the bank customer service in a timely manner and handle it.

　　The usage method of the Construction Bank’s digital RMB wallet is as follows:

　　Firstly, you need to download and install the Construction Bank’s mobile banking APP and complete the relevant registration and login operations. Then, select the ‘Digital RMB’ module in the APP and follow the prompts to open the digital RMB wallet function. After the successful opening, you can perform transfer, payment and collection operations through the digital RMB wallet.

　　For the transfer function of the digital RMB wallet, users only need to enter the recipient’s mobile phone number or digital RMB wallet number, then enter the transfer amount and payment password to complete the transfer operation. At the same time, the digital RMB wallet also supports the QR code payment and collection function, where users only need to scan the payment code of the other party or show their own collection code to complete the payment and collection operation.

　　In addition, the Construction Bank’s digital RMB wallet also supports binding with bank accounts to realize the mutual transfer operation between digital RMB and bank accounts. Users only need to select ‘Bank Account’ in the ‘Digital RMB’ module and follow the prompts to bind.

　　In summary, the usage of the Construction Bank’s digital RMB wallet is very convenient and quick. Users only need to perform simple operations on their mobile phones to complete related digital RMB payment and transfer operationslottery plan and The latest method. At the same time, the promotion and use of digital RMB also help to enhance the convenience and security of payment, and promote the development of digitalization and intelligence.

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