1. Electronic Money refers to the exchange of a certain amount of cash or deposits from the issuer, and the acquisition of data representing the same amount, or the fast payment service launched by banks and third parties, and the transfer of the balance in the bank by some electronic means, so as to be able to conduct transactions. Strictly speaking, it means that consumers use the bank's online banking service to store value and quickly pay it to the issuer of electronic money, so that consumers can conduct transactions in electronic form through the media (QR code or hardware equipment).
2. Virtual currency refers to unreal currency. Well-known virtual currencies such as Baidu's Baidu Coin, Tencent's Q Coin and Q Point, as well as Shanda's counting coupons and Sina's micro coins (used for reading in micro game and Sina, etc.). ), Chivalrous Yuanbao (for Chivalrous Games), Wen Yin (for Lan Xue Games), 20 13 digital currency Pop, Bitcoin, Litecoin, Infinite Coin, Quark. At present, there are hundreds of digital currency species distributed all over the world. The legend of "Bitkin, Wright Silver, Infinite Copper and Penny Aluminum" is popular in the circle.
: Electronic money is explained in detail as follows:
1. Concept: It is an encrypted serial number representing cash, which can be used to represent the monetary value of various amounts in reality. With the transition from paper economy to digital economy, electronic cash will become the mainstream.
2. Features: anonymity, transaction cost saving, transmission cost saving, small holding risk, flexible and convenient payment, anti-counterfeiting, anti-duplication and untraceability.
3. Types: (There are mainly two types) One is electronic cash, which is used in the Internet network environment and stores binary data representing monetary value in the hard disk of the microcomputer terminal; One is the electronic wallet, which saves the monetary value in an ic card and can circulate without a bank payment system.
4. Definition: Consumers pay traditional money to issuers of electronic money, and issuers store the equivalent value of traditional money in electronic devices held by consumers.