How much do you know about these characteristics of digital RMB?

How much do you know about these characteristics of digital RMB?

In the era of big data, consumers pay more and more attention to personal privacy protection, and the use of digital RMB is no exception. How to make payment more convenient and secure while protecting consumers' privacy? Digital RMB is exploring a solution by realizing "controllable anonymity". So today, Bian Xiao is here to sort out the knowledge about digital RMB for everyone. Let's have a look!

Small payments can be anonymous, and large payments can be traced back according to law.

Cash transactions are anonymous, which can better protect consumers' privacy. Digital RMB, which is positioned as cash in circulation, naturally needs to meet the needs of anonymous transactions, and can even open a digital RMB wallet without binding a bank card.

Mu Changchun, director of the digital currency Research Institute of the People's Bank of China, said earlier that according to relevant laws and regulations, telecom operators are not allowed to disclose customer information corresponding to mobile phone numbers to third parties, including the People's Bank of China, so the four types of wallets opened with mobile phone numbers are actually anonymous.

At present, both Internet payment and bank card payment need to be bound to the bank account system to meet the requirements of opening an account in real-name registration system. However, the digital RMB wallet adopts hierarchical management, which is not bound to bank cards, and only needs the mobile phone number to realize the opening of four types of digital RMB wallets. Of course, this kind of wallet also has corresponding requirements such as balance limit and payment limit.

According to the current management requirements of digital RMB wallets, the transaction restrictions of the four types of digital RMB wallets with the lowest authority are: the upper limit of balance is 6,543.8+0,000 yuan, the upper limit of single payment is 2,000 yuan, the upper limit of daily cumulative payment is 5,000 yuan, and the upper limit of annual cumulative payment is 50,000 yuan.

In addition, some digital RMB hard wallets can also be independent of the user's identity, just like buying a "prepaid card".

As far as small payment is concerned, digital RMB can be completely anonymous, but if you want to make a large payment, you need to upgrade your wallet and provide valid identity documents, my bank account and other information as required. For example, after upgrading to the second-class wallet, the upper limit of the balance of digital RMB wallet is raised to 500,000 yuan, the upper limit of single payment is raised to 50,000 yuan, and the upper limit of daily cumulative payment is 6,543,800 yuan.

However, Mu Changchun stressed that only when suspected illegal or suspicious transactions are triggered, the competent authorities can inquire and use the personal information of users from the operating institutions according to law. At the same time, strictly control the scope of knowledge and use within the scope authorized by laws and regulations, and take safety protection measures.

Open the sub-wallet to protect the "digital footprint"

Some Internet platforms excessively track and collect users' "digital footprints", especially all kinds of financial information. How to avoid exposing "digital footprint" in online payment scenario? The sub-wallet function launched by digital RMB may solve this problem.

When users pay in digital RMB on the e-commerce platform, they can open a sub-wallet under their mother's wallet, and the payment information of users will be packaged and encrypted. The e-commerce platform will not be able to directly obtain the customer's bank card number, bank card validity period and other information, and can only see the mobile phone number used to associate with the e-commerce platform account when the customer opens the sub-wallet. At present, the digital RMB wallet supports many sub-wallet applications such as JD.COM, Didi Chuxing and Meituan Cycling.

The reporter learned that digital RMB follows the principle of "minimum and necessity" when collecting personal information, and the amount of information collected is smaller than the existing electronic payment tools.

Mu Changchun said that digital RMB only collects necessary personal information directly related to the purpose of processing. For users who choose to refuse to provide permissions, the digital RMB App will be strictly enforced. In order to ensure the safety of users' property, digital RMB only collects the information needed for risk control, so as to strengthen the risk identification of users' digital RMB wallets and prevent risks such as theft, malicious loss reporting and online fraud.

Preventing telecom fraud and fulfilling the obligation of "three evils"

If we only pay attention to the protection of personal privacy, but ignore the possible risks brought by the facilitation, scale and cross-regional of financial products and services in the digital age, digital currency, the central bank, may be used by criminals.

In recent years, electronic payment has been targeted by criminals and has become a settlement channel for illegal crimes such as online gambling and telecom fraud. Experts point out that digital currency, the central bank, collects less user information than electronic payment. If the anonymity is too high, it will provide criminals with a new place to commit crimes, and a large number of illegal transactions will flow from electronic payment to digital currency-the central bank. Meanwhile, digital currency, the central bank, is more portable. If you provide the same anonymity as cash, it will greatly facilitate illegal transactions such as money laundering.

At present, when central banks and international organizations explore the anonymity of central bank digital currency, they all take risk prevention as an important premise, and designs that fail to meet the requirements of anti-money laundering, anti-terrorist financing and anti-tax evasion will be rejected by one vote.

Fan Yifei, deputy governor of the People's Bank of China, once wrote that if there is no third party anonymity, personal information and privacy will be leaked; However, if the third party is allowed to be completely anonymous, it will encourage crime. Therefore, in order to achieve balance, controllable anonymity must be realized.

In order to ensure the effective implementation of the controllable anonymity requirement of digital RMB, Mu Changchun revealed that in the next step, digital RMB will gradually establish an information isolation mechanism, clarify the legal conditions for digital wallet inquiry, freezing and deduction, establish a punishment mechanism, and improve the anti-money laundering and anti-terrorist financing laws and regulations of digital RMB?

With the continuous improvement of the top-level system design, it is expected that the "controllable anonymity" feature of digital RMB will bring more convenient and safer payment experience to the public.

How much do you know about these characteristics of digital RMB?

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