1. How to create a digital RMB wallet? Download the “digital RMB (pilot version) app” in the app store, click “register”, enter the verification code, set the login password, click “open wallet”, and select one of the 9 institutions to open it.
2. What if the balance is insufficient during payment? Click “charge wallet” to bind the bank card and charge it with use.
3. What if the single limit is too small? Click the wallet page, click “…” in the upper right corner after turning the page, and select “upgrade wallet”.
4. At present, there are digital RMB scams in the market. In the name of “reservation information registration”, users need to have a certain RMB balance in their card to experience. We should be vigilant. We can directly open the digital RMB anonymous wallet with only the mobile phone number, and there is no requirement to bind the card.
As the “large distribution center” of the annual hot words, the Spring Festival Gala is a platform to “test” whether a noun is hot enough. On the stage of the 2022 Spring Festival Gala, the hot words of 2021 were moved into the program one after another, and the digital RMB also appeared in a sketch of the Beijing Spring Festival Gala.
Beijing citizens should be familiar with the digital RMB. As one of the pilot sites, in the past year, we have seen the gradual penetration of digital RMB into all aspects of life, from shopping malls, riding shared bicycles, to ordering takeout, charging phone bills, watching movies and so on.
This Spring Festival, digital RMB activities are also lively. On the eve of the Spring Festival, the shell finance reporter received the activity SMS notice of ABC’s “several coins ushering in the Spring Festival”. According to the activity guide, he drew a consumption red envelope, which arrived in real time and was valid within one month. Besides Beijing, Suzhou, Shenzhen, Chengdu and other pilot areas have also issued digital RMB red envelopes to help residents’ consumption during the Spring Festival holiday.
This Spring Festival is also different because of “meeting” the Winter Olympic Games. As a digital financial card of this event, digital RMB has attracted more attention.
At present, it is not difficult to experience digital RMB. In addition to participating in the above activities, users in the pilot areas can also download digital RMB apps independently in major app stores, open wallets and charge with use. Did you use it?
1 cents to draw experience money, reduce 50 when shopping in shopping malls reaches 100, and reissue Spring Festival red envelopes in many places
On the eve of the Spring Festival, the reporter received the activity SMS notice of ABC’s “several coins to welcome the Spring Festival”. In the digital RMB zone of ABC’s silver holding “Xiaodou paradise”, he spent a penny to draw an 8 yuan consumption red envelope, which can buy goods online in the zone. The red envelope is valid until February 28. According to the rules of the activity, 500000 digital RMB experience funds will be distributed this time, with a maximum of 188 yuan. During the activity, the newly opened digital RMB wallet can also enjoy an additional 10 yuan experience fund. The scope of activities covers 11 digital RMB pilot areas such as Beijing, Shanghai, Shenzhen, Hainan, Changsha and Xi’an.
The Spring Festival holiday is the peak season for offline consumption. Many pilot areas have distributed digital RMB red envelopes to help residents’ consumption. For example, Shenzhen organized the six major state-owned commercial banks of China, agriculture, industry, construction, transportation and postal savings to issue a total of 25 million yuan of digital RMB red envelopes, covering clothing, food, housing and transportation. Specific activities include one penny by bus and subway, 100 yuan minus 50 yuan in Yitian Holiday Plaza, etc. Xinjin District of Chengdu issued 26900 digital RMB consumption red envelopes, which can be consumed at designated merchants in Xinjin during the activity period.
Suzhou launched the full reduction activity of paying movie tickets in digital RMB. According to local media reports, during the Spring Festival, Suzhou audiences can use ICBC digital RMB for consumption in 10 cooperative cinemas in the city, and enjoy the discount of 20 yuan less than 50 yuan for a single payment.
take out and movie scenes are becoming more and more diverse. Olympic personnel can enjoy digital RMB services in closed-loop management hotels
The one-time preferential activities can only attract users in the short term, Bank Of China Limited(601988) former president Li Lihui once told reporters that the digital RMB needs to reach a certain market scale in order to fully realize its social and commercial value. There are two keys to the premise of large-scale. One is to optimize the underlying technical architecture and realize large-scale and reliable applications; Second, develop and build rich application scenarios to integrate digital RMB into all aspects of Lbx Pharmacy Chain Joint Stock Company(603883) daily life.
The early stage of the digital RMB pilot mainly covered the consumption scenario of supermarkets. The reporter previously found in daily consumption that supermarkets and catering chains such as Wumart, Wal Mart and Burger King have increased digital RMB payment.
“We have been online (Digital RMB) for some time. Customers can choose ‘multi-point’ code scanning payment, digital RMB payment, etc. during self-service settlement.” On the first day of the lunar new year, a Wumart supermarket was bustling. The staff told reporters that some customers downloaded digital RMB wallets, but they were not skilled or could not recharge them. They would guide them nearby.
In addition to daily consumption, at this stage, digital RMB also covers various scenarios such as transportation, green and low-carbon. Recently, meituan announced that it will open a digital RMB payment channel for the whole scene of offline consumption of the platform. Users can pay in digital RMB in scenes such as ordering takeout, taking a taxi or watching movies.
Tencent, jd.com and other Internet companies with 100 million users and high-frequency C-end use scenarios also announced new applications of digital RMB this year, such as jd.com’s third-party merchants accessing the digital RMB system and wechat supporting digital RMB payment. According to the data released by the central bank, by the end of 2021, there had been more than 8.0851 million digital RMB pilot scenarios, with a six fold increase in the number of scenarios in half a year compared with the data on June 30 of that year.
The Beijing Winter Olympics, which will open on February 4, is also an important scene for the pilot of digital RMB. According to the previous introduction of the central bank’s business management department, Olympic personnel can obtain digital RMB services in almost all closed-loop managed hotels without leaving home. In addition, according to Liu Jin, President of Bank Of China Limited(601988) , the bank exclusively undertakes the digital RMB pilot service within the Winter Olympic security red line, and has created more than 40000 acceptance scenes in Beijing and Zhangjiakou, comprehensively covering diversified needs such as food, housing, transportation, tourism, shopping and entertainment.
upgrade your wallet and charge as you use it. Teach you to unlock the multiple functions of digital RMB app
At present, it is not difficult to experience the digital RMB. On January 4 this year, the digital RMB app was put on the shelves in major application malls, and users in the pilot areas can download it independently.
How to open? Name mobile phone reporter has been tested after downloading App, without entering personal information such as name, ID number, bank card number and so on. Only using the phone number can open an anonymous wallet directly, and can be upgraded to a real name wallet as needed. There are 9 options for opening links, including ICBC, ABC, Bank of China, China Construction Bank, Bank of communications, postal savings, China Merchants Bank, Internet Banking Bank (Alipay), micro public bank (WeChat payment).
The wallet opened only with mobile phone number is “category IV wallet”. After opening, you can upgrade to category II and III wallets in app “wallet management”, or upgrade the wallet when using functions such as “charging wallet” and “saving in bank”. Three types of wallets need real name authentication, and an ID card information is added to the handling requirements; Class II wallets support card binding, and the ID card and my bank account are added for handling requirements. On the basis of category II, category I wallet adds the requirement of “on-site face-to-face signature of operation organization”.
The higher the wallet level, the higher the limit. For example, the upper limit of single payment for category IV wallets is 2000 yuan, category III wallets is 5000 yuan, category II wallets is 50000 yuan, and category I wallets have no upper limit.
The reporter tested the payment after upgrading the bank card to class II wallet. There was no need to recharge manually if the balance in the wallet was insufficient, and how much was missing was made up. It is understood that in order to ensure transaction security, operating institutions may lower personal limits within the upper limit, and users can view and adjust them in “wallet management”.
