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Suzhou’s 20 million RMB digital red envelope is here. What are the highlights this time?
Author: Duan Yu
On December 5, Suzhou Digital RMB Red Envelopes officially began to make an appointment! “Suzhou Release” announced that Suzhou will issue 20 million RMB digital consumer red envelopes to eligible Suzhou citizens during the “Suzhou Double 12 Shopping Festival.” Each red envelope is worth 200 yuan, and the total number of red envelopes is 100,000.
The number and total quantity of red envelopes issued by Suzhou this time are double those previously issued by Shenzhen. The red envelopes issued this time apply not only to offline consumption by designated merchants, but also to online consumption through Jingdong Mall. In addition, Suzhou will also select some people from the customers who participated in the drawing of the digital renminbi consumer red envelope to participate in offline wallet experience activities.
The purpose of this activity is to further advance the Suzhou RMB digital pilot test, and the Suzhou digital RMB consumer red envelope activity is just a routine test in the digital RMB research and development process, and not It means that the digital RMB has officially landed.
How do citizens apply?
According to the “Suzhou Launch”, the “Double 12 Suzhou Shopping Festival” digital RMB consumer red envelopes will be issued in the form of a “lottery draw”, which is not assigned on a first-come, first-served basis and does not require competition. The lottery registration channel will officially open at 0:00 on December 5, 2020 and will last until 24:00 on December 6.
Consumers participating in the application must meet one of the following conditions: one (or more) regular social security payment records within Suzhou City in the past three years (monthly); home registration or temporary residence is within Suzhou city.
After fulfilling the corresponding conditions, consumers can register for an appointment through the APP “Su Zhou Da” APP appointment registration system and choose personal digital RMB to open a bank. Once the appointment is successful, participating citizens can follow the “Su Zhou Da” APP information and wait for the lottery, All RMB consumer digital red envelopes for this event will be issued in one batch.
It is worth mentioning that, compared to Shenzhen, Suzhou Red Envelope Pilot Bank was opened on the basis of industry, agriculture, China and construction.Communications Bank、Postal Savings BankTwo large state-owned banks. The “Suzhou Launch” indicated that according to the pilot preparations for this event, the project teams led by the six banks of Industry, Agriculture, China, Construction, Communications and China Postal Savings are eligible to participate in this event. , and other participating institutions are actively involved. Conduct research and development.
For consumers, if they do not have the bank cards of the six main banks of Industry, Agriculture, China, Construction, Communications and Postal Savings, can they continue to participate in this appointment? The “Suzhou communiqué” stated that citizens who meet the conditions of this digital RMB consumer red envelope activity can participate in the registration appointment, and the digital RMB consumer red envelope is issued to the digital wallet of RMB opened by the individual as needed, and consumption can be done directly without linking a bank card. .
After consumers submit their application, the event will complete data preparation and giveaways from 12:00 AM on December 7 to 12:00 AM on December 10; The winning result will be announced on December 11, at which time the organizer will send red digital RMB consumption packages to the winning staff to receive text messages Download link, winners can download the “RMB Digital APP”, open a wallet and receive red envelopes; Red envelopes are valid and available from 8:00 PM on December 11 to 12:00 PM on December 27; Red envelopes that have not been consumed since 12:00 AM on December 28 will be recycled.
Meanwhile, if a consumer has a refund transaction, the system will give priority to refund the amount of RMB paid by the consumer, and then refund the amount of the digital RMB consumer red envelope. For refund transactions that occur after the validity period of the red envelope, the RMB amount paid by the customer will be returned normally and part of the red envelope will no longer be refunded to the customer’s RMB digital wallet.
Covers online consumption and offline payment
The development of digital RMB consumer red envelope activities in Suzhou also reflects the steady progress of China’s digital RMB pilot work. Unlike the previous red envelope pilot in Shenzhen, this RMB digital red envelope campaign in Suzhou also helps consumers to consume online through JD.com.
According to the information from the “Suzhou Launch”, this digital renminbi consumer red envelope activity will be carried out by designated online merchants and e-commerce companies that have completed the upgrade and transformation of digital renminbi payment equipment within the Suzhou city. The city plans to install nearly 10,000 consumer-side merchants who can use the digital renminbi to consume red envelopes, covering shopping malls, supermarkets, daily retail, catering consumption, and life services, to achieve coverage of core business circles. and key supermarkets in all sectors.
Regarding the list of relevant merchants, consumers can consult through the APP “Su Zhoudao”, and can also consult merchants on the spot and call the customer service hotline during the consumption process.
A China Business News reporter learned that by consuming online, JD.com helps consumers use the digital renminbi to pay when they buy autonomous explosives. This is also the first online scenario of the pilot to access the digital renminbi. JD.com has also jointly created a digital renminbi payment scenario with Xiangcheng District, Suzhou City. Citizens whose delivery address is in Xiangcheng District can choose the cash on delivery scenario for self-traded merchandise on JD.com. They can use the digital renminbi to pay and experience the digital renminbi without leaving home. Convenient payment service.
In fact, JD Digital previously reached a strategic cooperation with the Central Bank’s Digital Currency Research Institute. Based on the digital RMB project, the two sides jointly promoted the development and construction of mobile core technology platforms and blockchain technology platforms. The relevant person in charge of the company stated that JD Digits provided “technology + services” to participate in the Suzhou digital RMB pilot project, connecting the operating agencies with the large number of scenarios, and will continue to cooperate with the Research Institute of Digital Currency of the People’s Bank of China and the Suzhou Municipal Government to accelerate the construction of digital The ecology of the renminbi wallet promotes the integrated development of the digital economy and the real economy.
In addition, participating consumers can also choose to enroll in the offline wallet experience program according to their own wishes when they make an appointment to register and take out digital RMB consumer red envelopes through the application “Su Zhou to “. After the scheduled activity is completed, the Suzhou Municipal Government will work with the operating agency to select some of the people who have signed up for the offline wallet experience program as offline wallet experience staff, and the number of experienced personnel will be controlled within 1,000.
The market pays a lot of attention to this “offline wallet experience plan”, after all, there hasn’t been a pilot in any region before. The so-called offline payment is different from the need to connect to the Internet when making transactions with third-party payment tools, such as online banking and Alipay. Digital renminbi offline payment can help both parties to complete transfer transactions in an offline state. However, in the transaction process, you may face the problem of “double spending”. Therefore, how the central bank’s digital renminbi can safely implement offline payments is a highlight of this event.
In fact, after Shenzhen completed the digital renminbi red envelope pilot program, Mu Changchun, director of the Central Bank’s Digital Currency Research Institute, mentioned the new highlights of the subsequent digital renminbi pilot program, including payment outside line. He said: “In the follow-up pilot test process, there should be some new things. For example, the ‘dual offline’ wallet has been developed and is relatively easy to use. It will definitely be applied in the future pilot process.”
At present, many stores in Suzhou have installed NFC (Near Field Communication) QR codes. The testers have reportedly already experienced payment in digital renminbi and can use the “offline” and “touch” functions.
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Editor in charge: Qi Qiqi
