How is pembayaran digital conducted?
How is pembayaran digital conducted?
pembayaran digital is a transaction conducted through electronic means, mainly including the following methods:
Digital RMB: Digital RMB is the legal digital currency issued by the People's Bank of China, with national credit endorsement, and can realize value transfer without bank account. It supports dual offline payments, allowing transactions to be completed even in environments without a network. Users can apply to open a digital RMB wallet and make deposits or withdrawals through the mobile banking apps of the six major state-owned banks.
Alipay and WeChat payment: These two payment methods are currently the most commonly used mobile payment tools. Users can complete payments by scanning QR codes or using NFC technology. Alipay and WeChat payment support the use of online and offline scenarios, greatly facilitating the payment needs of consumers.
QR code payment: QR code payment is completed by scanning the QR code provided by the merchant to complete the transaction. After scanning the QR code with a mobile phone or other electronic device, users can complete the payment by entering the payment password or performing biometric verification. This method is widely used on various e-commerce platforms, with easy operation and high popularity.
NFC technology: Near Field Communication (NFC) technology allows devices to exchange data at close range. Users can complete payments through NFC technology without the need for a network connection, making it suitable for various mobile payment scenarios.
Card free medical payment: In some medical institutions, patients can complete medical insurance and self payment through "facial recognition" without the need for physical cards. This payment method combines biometric recognition and electronic credential verification technology, greatly enhancing the convenience and security of payments.
The advantages of pembayaran digital include:
Efficient and convenient: Users can make payments anytime, anywhere without carrying cash or bank cards.
High security: Adopting multiple encryption technologies and distributed ledger technology to ensure the security and immutability of transactions.
Widely applicable: Supports multiple payment scenarios both online and offline, suitable for various consumption and service scenarios.
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