How to realize the four payment scenarios when the Suzhou digital RMB red envelope is used (www.blockcast.cc)

December 12th coincides with the “Double 12 Suzhou Shopping Festival”.

In the three squirrel stores in Tianhong Plaza, Xiangcheng District, two mobile phones in flight mode were gently touched, and an offline transaction for 66.6 yuan was quickly completed.

“I saw the push of the (digital RMB red envelope) event on the official account, and I just went in to sign up. When signing up, there was an option to check whether to participate in the offline wallet experience, I checked it, and then a text message notified me to successfully participate in the experience , I will come here to experience it today.” Said Ms. Wu, a Suzhou citizen who was lucky enough to win the digital RMB red envelope.

A week ago, Suzhou announced that it would distribute 20 million yuan and 100,000 digital RMB consumption red envelopes to eligible Suzhou citizens, each with an amount of 200 yuan. Compared with the Shenzhen version of digital RMB red envelopes, not only the number, amount, and time of use will be doubled, and the consumption scene will be significantly greater. Expansion, increase the online consumption scene of Jingdong Mall, and have the opportunity to experience cash on delivery. In addition, less than 1,000 customers will be selected to participate in the offline wallet experience activity from the customers participating in the digital renminbi consumption red envelope draw.

Scenario 1: “Dual offline payment”: based on hardware wallet, Huawei, VIVO and other mobile phones support

Girl Wu was lucky to be one of the experiencers.

Positioned in digital cash, one of the biggest highlights of the digital renminbi is the “dual offline payment”, which allows both parties to complete transactions without internet access.

The store is located on the negative first floor and the signal itself is not good. After choosing the snacks she wanted to buy, Ms. Wu switched her mobile phone to airplane mode, opened the digital people’s wallet and swiped to pay, chose the one-touch payment method, and first tapped the setting interface to open NFC (Near Field Communication Technology). At the same time, the store manager also opened the personal digital renminbi wallet in flight mode, and chose to touch and set the amount of the payment.

Merchant’s offline payment interface

No need to pay for a password, just touch the two phones and the transaction will be completed instantly.

“When I ran into it, I felt that the payment was successful in one to two seconds,” Wu said, “Offline payment is still very good. Sometimes we will encounter some bad signals or unstable conditions. It can completely solve the shortcomings of our inability to pay.”

The store manager of The Three Squirrels also mentioned that because the store is on the first floor, there are often times when the signal is not good. “Sometimes it has to be restarted, such as using WeChat Alipay, and the computer must be restarted before receiving Money.” As of 11 o’clock on the 12th, it had received seven or eight digital RMB payments, of which three or four were offline payments.

It is understood that currently offline payment only supports mobile phones such as Huawei and VIVO with hardware wallets installed, and mobile phones need to use NFC technology.

“Hardware wallet” refers to a physical medium for storing digital renminbi issued through a counter or electronic channel, and is a DC/EP carrier with a hardware security unit medium. According to previous media reports, the Huawei Mate40 series is the first smartphone to support digital RMB hardware wallets.

Scenario two offline payment: you can scan the code or “touch”

Six members of Mr. Lu, a citizen of Suzhou, participated in the digital renminbi red envelope activity, and only he won the red envelope.

“Last week I saw some publicity on the billboard, and I made an appointment to register. I received a text message at a meeting yesterday morning. I later checked that I really won the contract. I also feel very lucky,” Mr. Lu said , “I thought for a while and decided to buy something for my family.”

So Mr. Lu bought a small dress for his daughter by scanning a QR code in an offline store.

“I think the whole process is very convenient, and it feels very good. Because I paid by scanning QR code, which is similar to WeChat and Alipay, just like spending money normally.” He said.

Another Suzhou citizen, Aunt Xu, who won the lottery, told The Paper: “I feel that the whole process is still okay, and I will use it if it is convenient in the future.”

According to the “Suzhou Release”, this digital renminbi consumption red envelope activity is carried out by merchants and designated online e-commerce companies that have completed the upgrading and transformation of digital renminbi payment equipment within the Suzhou city. 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.

The paper reporters visited and found that there are multiple offline payment methods. In addition to the offline payment methods mentioned above, the general payment methods are QR code scanning (the merchant scans the customer’s payment code) and scanned (the customer scans the merchant’s QR code) and touch.

Among them, the main scanning equipment of the QR code includes a POS machine or a code scanning gun, and the scanned equipment includes a POS machine and a small standing card with a QR code. The small standing card also has a “touch sensing area”. According to a store manager, a “chip” is installed in the sensing area. Merchants participating in the pilot will set up a small stand, whether there are POS machines and code scanners is different.

Set up a QR code and a small stand in the touch sensing area

There are also differences in the specific ways of using the Pos machine. Some main scans and some are scanned. According to the store manager of the above-mentioned merchants, the POS machines of Bank of China in their stores also support the touch function, and the reporter learned about the pos of Jingdong Home The machine does not have this function.

POS machine for scanning digital renminbi payment

However, one-touch payment also requires the consumer’s mobile phone to have NFC technology. The specific operation method is the same as the offline payment experience process, except that the object of the consumer’s touch is the “touch-sensing area” on the small stand. The mobile phone does not need to be equipped with a hardware wallet.

Scenario 3: Online payment: You need to create a sub-wallet and push it to the merchant APP

In addition to offline consumption, Mr. Lu also tried online consumption at JD.com and bought two hot water bottles.

He said: “It is not very different from my usual payment, and it is very fast and very convenient.”

It is understood that the country’s first e-commerce platform digital renminbi consumption was born at 20:00:02 on the 11th. A post-90s consumer from Suzhou placed an order on JD.com and paid through digital renminbi. The payment process took only 0.5 seconds. , Consistent with the experience of existing payment methods.

In online payment, consumers need to create a sub-wallet in the digital renminbi wallet, choose to push the sub-wallet to the JD APP, then open the JD APP, select self-operated products, submit the order, and select “Digital RMB” in the payment options to complete the payment .

Mr. Lu’s online payment success interface

JD’s sub-wallet has three features: convenient and fast. The digital renminbi App pushes the sub-wallet to JD.com, which can be used immediately, and it supports the payment of digital renminbi within the JD App; security is guaranteed, and the sub-wallet can be adjusted in the digital RMB app The payment limit and the closing of the wallet strengthen the user’s security management of the sub-wallet; privacy protection, the Jingdong App cannot obtain the user’s sensitive personal information, and the user’s privacy is protected.

On the evening of December 12, JD Digital released a digital RMB 12.12 e-commerce platform consumer battle report. The data showed that from 20:00 on December 11 to 20:00 on December 12, there were nearly 20,000 orders in the JD scene that passed the number. RMB payment, the largest single online payment amount exceeds 10,000 yuan.

The battle report also revealed that in the first batch of digital RMB users in the JD scene, men accounted for more than women, and the younger generation became the absolute main force. The post-80s and post-90s totaled nearly 80%. Out of curiosity about the new payment method of digital renminbi, half of the users place an order within 1 hour of the event.

Scenario 4: Cash on delivery: The consumer scans the QR code shown by the courier brother through the industrial integrated machine

In addition, citizens whose delivery address is in Xiangcheng District can choose to use digital renminbi to pay in the cash on delivery scenario of self-operated goods on JD.com, and they can experience the convenient payment service of digital renminbi without leaving home.

JD Digital Technology has transformed the special mobile phone needed for cashier in the cash on delivery scene of JD Logistics. Couriers can use the mobile phone to scan the code to collect payments when they deliver to the door. This scenario has also become the first access to digital RMB payment services in the logistics field Scenes.

A JD express brother told The Paper that the mobile phone he uses is called an industrial all-in-one machine, and the order information will appear when the order number is scanned. Now the digital payment option appears at the bottom of the order information interface. Once clicked, the specific receipt will appear. With the payment code interface, customers can use the digital RMB wallet to scan the code to pay.

The collection interface on the JD Express Brother industrial integrated machine

“Faster than the previous cash on delivery”, he said, “Before digital payment, we must first click on the customer order interface (the order is completed), and then sign the receipt, choose the payment method, such as cash, and then click complete. There are many steps, now you can directly order digital payment, and you can save two steps in the middle.”

The courier said that he prefers digital renminbi from the point of view of the delivery staff, because it is faster. He would send 100 orders a day, and the digital renminbi payment allows him to send 150 orders. “The operation of the entire delivery process is simplified, which really improves efficiency. “.

Payment scenarios for cash on delivery

In the previous internal test of cash on delivery, he said that when the two or three orders were first tested, there was a delay in payment, but the on-site maintenance of JD Digital’s colleagues quickly solved the problem, and it went smoothly afterwards.

However, it is understood that consumers who chose cash on delivery in this pilot can only scan the QR code presented by the industrial all-in-one machine and cannot choose to be scanned.