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ATMs to convert digital currency to cash
Published on: 2021-02-19
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The latest digital yuan test in Beijing featured automatic teller machines that could convert China's central bank digital currency to physical cash and vice-versa.
 

The Chinese capital is the latest city to conduct a real-world digital yuan test. The $1.5 million trial took place during the Lunar New Year holiday in early February.


As part of the test, the Industrial and Commercial Bank of China (ICBC) debuted eight ATMs in two of its branches in Beijing that had the icon of e-CNY (electronic Chinese yuan) on them.


The feature is an integral part of the digital yuan framework that China is building ahead of a formal launch of its Digital Currency / Electronic Payment system.


The eight ATMs sport a feature called 'digital transaction.' By selecting the feature, users can choose whether they want to convert cash into digital yuan or the other way around.
 

The banker demonstrating the function suggested that to deposit cash, customers must first type in the phone numbers they used to activate their digital yuan wallets. The process then takes a few seconds to credit the balance to the users’ mobile wallets.
 

To convert digital yuan into cash, users must scan a QR code on the ATM screen using their digital yuan wallet app and then type in the cash amount that they want to withdraw. After a few seconds, the teller machine delivers the requested cash.
 

ATM机上可存取数字人民币

2月10日晚9时,北京市民终于在家门口迎来了数字人民币红包。本轮“数字王府井冰雪购物节”数字人民币试点活动共有超过252万市民进行了预约报名,中签率不到2%。在活动启动1小时内,有8万多人完成了报名,显示出市民对本次活动的极大热情。
 

红包激发起了消费者的热情。不少中签者并不满足于200元红包,还选择了主动充值。值得提醒的是,除了通过数字人民币APP内“充钱包”功能直接给账户手机号充值外,部分受邀体验用户也可通过线下ATM机进行数字人民币存取现。
 

工行北京新东安支行已启用了四台贴有“欢迎使用数字人民币e-CNY”标识的存取款一体机。工作人员现场演示了数字人民币存取现的全过程。
 

存现的时候,工作人员在机具屏幕上选择“其他无介质交易”,选择“数字人民币”,再选择“现钞兑换数字人民币”,屏幕上出现一个对话框,需要填写“数字人民币”APP绑定的手机号。系统信息核对无误后点击确认,工作人员按照系统提示把一张百元纸币放入进钞口,确认相关信息后,屏幕上就出现了“交易成功”四个字。此时,数字钱包刷新后的余额已经增加了100元。
 

数字人民币取现交易流程也非常便捷,主要分三步:一是在ATM上选择“无介质交易”,进入子菜单后选择“数字人民币”,点击“数字人民币兑回现钞”;二是使用工行手机银行上的数字人民币钱包(“内部体验钱包”——目前该功能只开放给部分邀请内测用户)“扫一扫”功能,扫描ATM上的二维码,输入取现金额;三是在ATM机终端点击“取款”,从钞箱中取出现钞。

前工行在位于王府井大街的新东安支行、金街支行两家网点的8台ATM机上线了数字人民币存取现功能。

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