When the Suzhou Digital RMB pilot is underway, sort out 4 payment scenarios


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The Suzhou digital RMB red envelope test involves application scenarios such as dual offline payment, offline payment, online payment and cash on delivery.

Title of the original text: “Suzhou Digital RMB Red Packets Undergoing Four Major Payment Scenarios”
Written by: Little D

The Suzhou digital renminbi red envelope test activity is still in progress. As one of the highlights of the Double Twelfth Shopping Festival, Suzhou City has distributed 100,000 digital renminbi consumption red envelopes totaling 20 million yuan. Within the validity period, successful citizens who have received digital RMB consumption red envelopes can go to designated merchants for consumption.

The digital RMB test involves four major payment scenarios:

Dual offline payment: based on hardware wallet, some Huawei and vivo phones support

Earlier news showed that the pilot will select some people from the digital RMB to participate in the offline wallet experience activities, about 1,000 people.

However, according to the mobile payment network, these thousand people need to be designated models of Huawei and vivo and can truly experience “dual offline” payment through the digital RMB App. In other words, to support “dual offline” payment, both the receiver and the payer must have the hardware wallet function, that is, the security chip support.

Judging from the test experience exposed in Suzhou, it adopts the form of “touch one touch NFC mobile phone interaction” to realize “dual offline” payment, that is, two NFC phones with NFC function and a hardware wallet through “touch one “Touch” method to make payment in “offline” state. The specific process can refer to the following video:

“Dual offline” payment requires the support of digital renminbi hardware wallets. In addition to the above-mentioned solutions based on mobile phone security chips, hardware wallets also have SIM card solutions and physical smart card solutions. These two solutions are not available from the currently known information. Reflected in this test.

Offline payment: based on QR code, NFC tag and acceptance terminal

According to official sources, this digital renminbi consumption red envelope activity is carried out by merchants and designated online e-commerce companies that have completed the upgrading of digital renminbi payment equipment within the city of Suzhou. The city plans to install nearly 10,000 consumer-side merchants that can use digital renminbi consumption 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.

In fact, “dual offline” payment is also a scenario of offline payment, but in most cases we will not encounter the situation where the networks of both parties are not good. Therefore, the payment method of offline payment is now fully developed in the mobile Internet. There are three main types, namely, scanning of merchants through two-dimensional code table cards, one touch through NFC tags, and main scanning or scanning of merchants through acceptance terminals such as POS.

First of all, let’s look at the touch based on the NFC tag. In fact, the “touch tag payment” is still “online payment” in essence. NFC tag, pop up the corresponding payment interface, enter the amount and complete the payment. The specific process can refer to the following video:

Then there is QR code payment. At present, whether it is a QR code table card or POS and other acceptance terminals, they all interact with the mobile digital wallet App through the “scan code” method. The payment experience is similar to what we usually use. Third-party payment App.

Generally speaking, QR code payment mainly includes QR code scanning (the merchant scans the user’s payment code) and scanned (the merchant’s code card is scanned by the user). Among them, the main scanning equipment of the QR code includes POS machines or code scanning guns. The scanned equipment includes POS machines and table cards with QR codes. Some standing cards will also have a “touch sensing area”. At the same time compatible with “touch”.

When the Suzhou Digital RMB pilot is underway, sort out 4 payment scenarios

Online payment: push merchant model based on sub-wallet

As one of the highlights of the Suzhou Digital RMB red envelope event that has attracted the most attention from the industry, it supports the online consumption of self-operated products in the “Jingdong Mall”. This is the first digital RMB online consumption scenario to be connected in the pilot.

The online payment process of “Digital RMB” is similar to a third-party payment wallet. When paying, users only need to select the corresponding payment method to complete the payment conveniently. The slight difference is that users need to push the digital RMB sub-wallet to the corresponding App before use. The specific process can refer to the following video:

According to the mobile payment network, the reason for this is: on the one hand, there are multiple designated operating institutions for digital renminbi, so in theory, users can open multiple digital renminbi sub-wallets through the digital renminbi App, and actively push the corresponding sub-wallets to facilitate users directly Call the corresponding wallet for payment. It is likely that the option of setting the default sub-wallet payment will be added when the functions are improved in the future. On the other hand, because it is the testing stage, to avoid over-exposure of the entrance and some unnecessary troubles, it may be more controllable to push the digital RMB sub-wallet from the client to the “JD” App. After all, the “Digital RMB” App is a winning user Can be used. When digital renminbi is connected to the future online scenes and the functional applications are sufficiently complete, users may be able to directly pull up the digital renminbi option to pay directly on the e-commerce App.

In an interview, Lu Yunhan, the digital renminbi project manager of JD Digital, said that the sub-wallet has three advantages: the first is that it is convenient and fast. There is a digital renminbi APP that can directly open the sub-wallet and send it to the target merchant platform immediately. Available; the second is security, the sub-wallet can adjust the payment amount of the sub-wallet in the digital RMB App, and the sub-wallet can also be closed, and users can manage the entry and method of their own wallet in real time; the third is for personal privacy For apps like JD.com, the push method of the sub-wallet cannot obtain personal sensitive information. In this way, it is possible to ensure that the user’s privacy will not be leaked.

Cash on delivery: payment method based on specific scenarios

The Suzhou Digital RMB Red Envelope Campaign also supports citizens whose delivery address is in Xiangcheng District to use digital renminbi payment in the cash-on-delivery scenario of self-operated merchandise on JD.com. They can experience the convenient payment service of digital renminbi without leaving home.

It is understood that JD Digital has transformed the special mobile phone required for cashiers in the cash on delivery scenario of JD Logistics. Couriers can use this mobile phone to collect payments when they deliver to their door. This scenario has also become the first time to access digital RMB payment services in the logistics field. Scene.

According to the exposed information, the JD Express boy scans the item number through a special mobile phone to display the order information. Now the digital payment option appears at the bottom of the order information interface. Once clicked, the specific payment code interface will appear. The customer uses the number Scan the QR code to make payment. The specific process can refer to the following video:

The traditional cash-on-delivery process requires the courier to click on the customer order interface (the order is completed), and then the user himself signs the receipt, the courier selects the payment method, and then completes the payment through the specified method. With digital renminbi payment, you can directly click the digital payment to complete the scan code, and the entire delivery and settlement process is faster and simpler.

The currently known digital renminbi red envelope test is the four scenarios mentioned above. As the digital renminbi continues to advance, more and more scenarios and innovative features will be added to it in the future.