1 thought on “How to "anonymous" digital renminbi? How to protect privacy?”
Alberto
"Touch" and "Sweep", these mobile payment methods that are gradually familiar with we have brought a convenient payment experience on the one hand, and on the other hand, many people have "privacy protection" troubles. Internet platforms and third -party payment institutions have obtained "digital footprints" too much. Recently, the "controllable anonymous" features of digital RMB have entered people's vision again. How does the Volkswagen Curiosity "anonymous"? How to achieve "controllable"? Can you protect you and I am privacy and safety? On digital RMB how to "anonymous"? The round of testing activities with the pilot areas, the mysterious veil of the digital RMB was gradually opened. Similar payment experiences such as Alipay and WeChat payment make users quickly pay for digital renminbi to "have no teacher", but it is also easy to ignore the difference between them: using digital RMB without binding any bank card. And this is precisely the "anonymous" characteristic of digital RMB. "The controllable anonymous features of digital RMB are to meet the needs of reasonable anonymous payment and privacy protection." Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China, said that digital renminbi can achieve a small amount of technology in technology. Anonymous, you can open a wallet with a mobile phone number. Of course, the daily transaction limit of such wallets is low, and it can only meet the daily small payment needs. This can be confirmed from the pilot activities that have been carried out in many places before. At present, 4 cities in Shenzhen, Suzhou, Chengdu, and Beijing have conducted 7 rounds of digital renminbi red envelopes, distributed digital RMB 150 million, and the amount of a single red envelope is basically around 200 yuan. Even if some users recharge the digital RMB wallet, the payment amount is a small payment category. It, although the six banks of Gong, Agriculture, Central, Construction, Communications, and Postal Savings are deeply participated in the testing activities, but opening a digital RMB wallet does not need to bind any bank bank card that needs to be binded, only the user's mobile phone number needs to be provided. Participating users use only one of the banks to provide services, such as receiving digital renminbi red envelopes via bank. , there are some people who are doubtful: Now the mobile phone number is a real -name system, isn't this still anonymous? The explanation of Mu Changchun said that although telecommunications operators have also participated in the research and development of digital RMB, according to the relevant laws and regulations of the current state, telecommunications operators must not disclose user information to third parties such as the central bank. Therefore, the digital RMB wallet opened with the mobile phone number is completely anonymous for central banks and various operating agencies. On digital RMB how to protect privacy? Inned RMB can it protect privacy by relying on anonymous personal wallets? Of course not just that. In recent pilot tests, the payment scenarios of digital RMB have been expanded from offline stores to online. In some pilot cities, the digital RMB wallet supports the application of multiple sub -wallets such as JD.com, Didi Chuxing, and Meituan cycling. Don't underestimate the design of this "child wallet", this is an important part of digital RMB guarantee user privacy. This voices, every online transaction based on the bank account will leave "digital footprints", and the most "gold content" is all kinds of financial information. Some Internet platforms and third -party payment institutions track and obtain a large number of users' account information, transaction information, credit information, etc., and push financial products by digging user financial behavior. This is not only uncomfortable, but also secretly implant the concept of "advance consumption" and "over -consumption" to secretly implant the vulnerable people such as students. In order to solve this problem, in the online consumption scenario of Digital RMB, the user payment information will be packed and encrypted, and the form of a wallet will be pushed to the e -commerce platform. The platform cannot directly obtain user information, which effectively guarantees the privacy protection of the core information of the user. In fact, it is not just an e -commerce platform, but even the banks provided by the service, the merchants who collect the money offline, and the individual who collects the transfer will not obtain personal information of payment users, because the transactions between the digital RMB wallets have already been Anonymous treatment was implemented through technology and system. Mu Changchun admits that the protection of digital RMB for user privacy is the highest level among the current payment tools. Why can't digital RMB completely anonymous? Perhaps someone will ask, since the privacy security is so important, why is the digital RMB unprepared? D digital RMB is positioned as replacing part of cash, so it needs cash -like liquidity and anonymity. However, if anonymous is too high and easy to carry, it may be stared at by criminals and become a tool for illegal transactions. "Controlled anonymous" as an important feature of digital RMB, on the one hand, it is necessary to ensure the public's reasonable anonymous transactions and personal information protection needs; Criminal behavior, objective needs to maintain financial security. At present, the anonymous on the basis of the central bank's digital currency realization risk has become an international consensus. When the central banks and international organizations of various countries are exploring the anonymous characteristics of the central bank's digital currencies, they all take preventive risks as an important prerequisite. Designs that cannot meet the requirements of anti -money laundering, anti -terrorist financing and anti -tax evasion will be rejected by one vote. It the stolen, can the loss be restored? The transactions are "anonymous". In case of digital renminbi stolen brushes, can they restore the loss? does not need to worry, although digital RMB transactions are "anonymous", but "controllable". Although the digital RMB wallet can be opened with a mobile phone number, it is not impossible to crack down on criminal acts. The financial sector and telecommunications operators have a part of the data. Once they encounter criminal acts, the relevant evidence clues can be handed over to the judicial organs, and the law enforcement authorities can be linked according to the picture. It, the digital RMB wallet itself adopts a classification design, which can be opened according to the degree of customer identity recognition. Small payment can be completely anonymous, but if a large payment is required, you need to upgrade the "wallet" and provide relevant information elements as required to prevent large suspicious transaction risks. Mu Changchun said that digital RMB adopts a "small anonymous, large traceable" design. If telecommunications fraud using digital RMB can help the people chase money back and protect the property safety of the people.
"Touch" and "Sweep", these mobile payment methods that are gradually familiar with we have brought a convenient payment experience on the one hand, and on the other hand, many people have "privacy protection" troubles. Internet platforms and third -party payment institutions have obtained "digital footprints" too much.
Recently, the "controllable anonymous" features of digital RMB have entered people's vision again. How does the Volkswagen Curiosity "anonymous"? How to achieve "controllable"? Can you protect you and I am privacy and safety?
On digital RMB how to "anonymous"?
The round of testing activities with the pilot areas, the mysterious veil of the digital RMB was gradually opened. Similar payment experiences such as Alipay and WeChat payment make users quickly pay for digital renminbi to "have no teacher", but it is also easy to ignore the difference between them: using digital RMB without binding any bank card. And this is precisely the "anonymous" characteristic of digital RMB.
"The controllable anonymous features of digital RMB are to meet the needs of reasonable anonymous payment and privacy protection." Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China, said that digital renminbi can achieve a small amount of technology in technology. Anonymous, you can open a wallet with a mobile phone number. Of course, the daily transaction limit of such wallets is low, and it can only meet the daily small payment needs.
This can be confirmed from the pilot activities that have been carried out in many places before. At present, 4 cities in Shenzhen, Suzhou, Chengdu, and Beijing have conducted 7 rounds of digital renminbi red envelopes, distributed digital RMB 150 million, and the amount of a single red envelope is basically around 200 yuan. Even if some users recharge the digital RMB wallet, the payment amount is a small payment category.
It, although the six banks of Gong, Agriculture, Central, Construction, Communications, and Postal Savings are deeply participated in the testing activities, but opening a digital RMB wallet does not need to bind any bank bank card that needs to be binded, only the user's mobile phone number needs to be provided. Participating users use only one of the banks to provide services, such as receiving digital renminbi red envelopes via bank.
, there are some people who are doubtful: Now the mobile phone number is a real -name system, isn't this still anonymous?
The explanation of Mu Changchun said that although telecommunications operators have also participated in the research and development of digital RMB, according to the relevant laws and regulations of the current state, telecommunications operators must not disclose user information to third parties such as the central bank. Therefore, the digital RMB wallet opened with the mobile phone number is completely anonymous for central banks and various operating agencies.
On digital RMB how to protect privacy?
Inned RMB can it protect privacy by relying on anonymous personal wallets? Of course not just that.
In recent pilot tests, the payment scenarios of digital RMB have been expanded from offline stores to online. In some pilot cities, the digital RMB wallet supports the application of multiple sub -wallets such as JD.com, Didi Chuxing, and Meituan cycling. Don't underestimate the design of this "child wallet", this is an important part of digital RMB guarantee user privacy.
This voices, every online transaction based on the bank account will leave "digital footprints", and the most "gold content" is all kinds of financial information. Some Internet platforms and third -party payment institutions track and obtain a large number of users' account information, transaction information, credit information, etc., and push financial products by digging user financial behavior. This is not only uncomfortable, but also secretly implant the concept of "advance consumption" and "over -consumption" to secretly implant the vulnerable people such as students.
In order to solve this problem, in the online consumption scenario of Digital RMB, the user payment information will be packed and encrypted, and the form of a wallet will be pushed to the e -commerce platform. The platform cannot directly obtain user information, which effectively guarantees the privacy protection of the core information of the user.
In fact, it is not just an e -commerce platform, but even the banks provided by the service, the merchants who collect the money offline, and the individual who collects the transfer will not obtain personal information of payment users, because the transactions between the digital RMB wallets have already been Anonymous treatment was implemented through technology and system.
Mu Changchun admits that the protection of digital RMB for user privacy is the highest level among the current payment tools.
Why can't digital RMB completely anonymous?
Perhaps someone will ask, since the privacy security is so important, why is the digital RMB unprepared?
D digital RMB is positioned as replacing part of cash, so it needs cash -like liquidity and anonymity. However, if anonymous is too high and easy to carry, it may be stared at by criminals and become a tool for illegal transactions.
"Controlled anonymous" as an important feature of digital RMB, on the one hand, it is necessary to ensure the public's reasonable anonymous transactions and personal information protection needs; Criminal behavior, objective needs to maintain financial security.
At present, the anonymous on the basis of the central bank's digital currency realization risk has become an international consensus. When the central banks and international organizations of various countries are exploring the anonymous characteristics of the central bank's digital currencies, they all take preventive risks as an important prerequisite. Designs that cannot meet the requirements of anti -money laundering, anti -terrorist financing and anti -tax evasion will be rejected by one vote.
It the stolen, can the loss be restored?
The transactions are "anonymous". In case of digital renminbi stolen brushes, can they restore the loss?
does not need to worry, although digital RMB transactions are "anonymous", but "controllable".
Although the digital RMB wallet can be opened with a mobile phone number, it is not impossible to crack down on criminal acts. The financial sector and telecommunications operators have a part of the data. Once they encounter criminal acts, the relevant evidence clues can be handed over to the judicial organs, and the law enforcement authorities can be linked according to the picture.
It, the digital RMB wallet itself adopts a classification design, which can be opened according to the degree of customer identity recognition. Small payment can be completely anonymous, but if a large payment is required, you need to upgrade the "wallet" and provide relevant information elements as required to prevent large suspicious transaction risks.
Mu Changchun said that digital RMB adopts a "small anonymous, large traceable" design. If telecommunications fraud using digital RMB can help the people chase money back and protect the property safety of the people.