It is reported that the pilot is the discoverer of the first case of COVID-19's disease in Shanghai and a doctor in the Department of Respiratory and Critical Care Medicine of Tongren Hospital. Through this digital RMB "visual card" of the Postal Savings Bank, he swiped the card at the payment terminal of the staff restaurant to complete the payment. The whole process is similar to the operation of ordinary bank cards.
There is an electronic ink screen window in the upper right corner of the "Video Card", which can display information such as consumption amount, balance and offline availability.
Tongren Hospital said that around the future development of the big health industry, Tongren Hospital will further use digital RMB in payment scenarios such as hospital diagnosis and treatment payment, physical examination and parking payment.
According to the mobile payment network, smart card wallets such as "visual card" belong to a kind of digital RMB hardware wallet, and consumers can understand it as our commonly used "transportation card". Money is stored in the card and needs to be recharged in advance before consumption, which is also the key to "double offline" payment.
So how to recharge the hardware wallet of smart cards such as visual cards?
In fact, visual cards can also be divided into ordinary visual cards and visual Bluetooth cards, which interact with smart phones through NFC and Bluetooth to complete operations such as recharging. Of course, for convenience, ATM machines and some self-service terminals may be upgraded in the future to facilitate the recharge of digital RMB "hardware wallet".
"Visual Card" Interface in ICBC Mobile Banking App Digital RMB Wallet
At present, ICBC's mobile banking App digital RMB wallet also has "visual card" related operation interfaces, including visual card binding, collection, recharge, etc. These functions will only be displayed on Android NFC phones. It can be seen that ICBC recharges and collects money from the visual card through the NFC function of the mobile phone.
According to the mobile payment network, from the patents published by the central bank before, it summarized the hardware wallet as "digital currency chip card", while the digital currency chip card can specifically include five forms, such as visible Bluetooth IC card, IC card, mobile phone eSE card, mobile phone SD card and mobile phone SIM card.
Visible Bluetooth card generally means that the smart card has a screen to display the transaction amount, balance and other information, and interacts with the smart phone through Bluetooth and NFC. , and can cooperate with the mobile App for query and account information synchronization. The above should belong to this kind of products, and we have exposed similar products before.
Therefore, the visual card product of digital RMB mainly depends on how it interacts with other devices such as smart phones. At present, NFC and electronic ink screen may be cheaper in price, while Bluetooth, fingerprint and other functions will be more expensive, preferring wearable wallets.
Of course, according to the mobile payment network, the visual card not only has a "hard wallet" scheme, but also supports a "soft wallet", that is, the digital RMB is still stored in the server but not in the card, and only the digital wallet account is bound in the card. The card interacts with the smart phone through Bluetooth and synchronizes the account information in a fixed time. The form of this visual card is actually the same as the digital RMB account in the App, and it is necessary to synchronize the account information within a certain period of time. In addition to the interactive synchronization data between Bluetooth and smart phone, the card can also synchronize the account with the information uploaded by the acceptance terminal during consumption, and display the transaction information and balance.