数字人民币在城轨交通领域应用模式研究

E-CNY Application Mode in Urban Rail Transit

根据数字人民币软件钱包与硬件钱包的应用规范,并结合城轨交通的行业特性,系统分析软件钱包直接支付、免密支付、收银台支付以及硬件钱包价值支付、准账户支付,在城轨交通领域的应用场景、应用方案与应用特点,并结合实际应用经验对各种应用模式进行利弊分析。总结软件钱包与硬件钱包最优应用场景与方案,提出数字人民币应用的系统架构及“数字人民币+公共交通卡”双应用的建议。展望数字人民币在城轨交通领域的应用模式及推广趋势,为促进城轨交通领域数字人民币在应用场景建设、应用技术创新、业务模式创新等方面提供借鉴。

Based on the application specifications of the e-CNY software wallet and hardware wallet as well as the industrial characteristics of urban rail transit,the application scenarios,schemes,and characteristics of software wallet direct payment,password free payment,cashier payment,hardware wallet value payment,and quasi-account payment in the field of urban rail transit are analyzed in this study.The advantages and disadvantages of various application modes are determined in combination with the practical application experience.This paper summarizes the optimal application scenarios and schemes of the software wallet and hardware wallet and presents the architecture of the e-CNY application system and the innovative application idea of the“e-CNY plus public transport card”dual application.This study can be helpful for the mainstream mode and promotion trend of digital RMB in the field of urban rail transit,to provide reference for construction of digital RMB application scenarios,and application technology and business model innovation in the field of urban rail transit.