Characteristics of DCEP

The first is the balance between privacy protection and combating illegal crimes. For the privacy needs of the public's normal economic life, DCEP needs protection, so controllable anonymity must be realized. At present, Internet payment and bank card payment cannot be anonymous because they are bound to traditional bank accounts, but DCEP can do this. At the same time, in order to crack down on money laundering/terrorist financing and other illegal and criminal acts, DCEP will disclose transaction data to the central bank and use big data to identify some characteristics of criminal acts. Followed by the dual offline payment function. Third-party payment tools such as online banking and Alipay need to be networked when conducting transactions, otherwise they cannot conduct transactions; With the dual offline payment function of DCEP, as long as two mobile phones touch and exchange wallet keys, even if both parties are offline, the transfer transaction can be completed. Mainly for small retail scenes, the quantity and time are limited. As for the double offline payment function mentioned above, the technical patent disclosed by the central bank has not explained how to solve the "double flower problem" in the case of double offline, but the "double flower problem" is not only solved by technology. In reality, we can rely on the legal system and supervision.