Keywords: deployment
As early as the end of 2009, a number of banks piloted the promotion of financial IC cards. According to statistics, as of the end of 2009, the number of UnionPay standard IC cards has exceeded 6 million, and more financial chip cards complying with the PBOC 2.0 specification have appeared on the market. As of May 2010, the total number of terminals that have completed contact-type transformation in the country exceeded 700,000 units; Shanghai, Ningbo, Guangzhou, Shenzhen, Hunan, Guizhou and other regions have started non-contact acceptance of environmental construction, laying nearly 30,000 non-units. Contact terminals; POS terminal acceptance transformation in Hong Kong, Macao and Asia Pacific is also in progress.
In 2010, the People's Bank of China accelerated the deployment of financial IC card promotion, initially clarified the timetable for commercial banks to issue financial IC cards, and promoted the promotion of financial IC cards to an important agenda: It is expected that by 2015, bank cards will fully implement UnionPay PBOC2. .0 standard financial IC card.
On March 15, 2011, the People's Bank of China issued the "Opinions of the People's Bank of China on Promoting the Application of Financial IC Cards" (hereinafter referred to as "Opinions"), and decided to officially launch the migration of bank card chips nationwide. "The financial IC card application will be fully promoted during the period."
On March 3, 2012, China UnionPay and Tianjin City One Card Company signed a comprehensive strategic cooperation agreement to confirm the full opening of the PBOC2.0 standard financial IC card business across the industry in the municipal public service sector within Tianjin. It is agreed that Tianjin City Card Co., Ltd. will complete the transformation of its acceptance terminals throughout the bus, rental, subway, light rail, parking lot, convenience store, etc. within six months, so that it can accept financial IC cards issued by commercial banks.
In 2013, the People's Bank of China earnestly implemented the spirit of the State Council to promote information consumption, and guided banking financial institutions to further integrate bank resources and carry out the work of electronic IC cash interbank deposits. The People's Bank of China organized various commercial banks and bank card clearing institutions to follow the principle of “emergency use first†and follow the idea of ​​“post-pilot promotion, first easy and then difficult, step by stepâ€. After more than half a year of hard work, the electronic cash interbank promotion was completed at the end of 2013. The electronic cash interbanking function was opened on nearly 540,000 ATMs nationwide, which facilitated electronic cash refilling and effectively promoted the development of electronic cash applications.
At present, the electronic cash inter-banking transaction has grown rapidly, effectively promoting the application of bank cards in the public service field, providing cardholders with more convenient, safe and advanced financial services.
As of March 2014, the number of transactions in the national electronic cash interbank has reached 567,000, and the transaction amount reached 69.287 million yuan.
Keywords: security
In order to promote the smooth implementation of the financial IC card migration strategy, in response to the academician’s proposal to apply domestic chips in the financial field, since November 2011, China UnionPay has been under the guidance of the People’s Bank of China, the National Development and Reform Commission, the Ministry of Industry and Information Technology, and several academicians of the Chinese Academy of Engineering. The joint industry led the construction of the National Financial IC Card Security Testing Center project.
After more than two years of construction, the project task construction was completed. On December 11, 2013, the People's Bank of China organized a “National Financial IC Card Security Testing Center†project construction task acceptance meeting in Beijing, inviting five academicians (Ni Guangnan, Shen Changxiang, Cai Jiren, Qi Hezhen, Liu Yunjie) and four ministry representatives ( Director Li Xiaofeng of the People's Bank of China, Director Ding Wenwu of the Ministry of Industry and Information Technology, Director Wang Na of the National Development and Reform Commission, Wang Cunku of the Health and Family Planning Commission), representatives of four commercial banks (Tian Luyuan of the Industrial and Commercial Bank, Tu Xiaojun of the Agricultural Bank, Zhang Bu of the Bank of China, Wang Hanming of Huaxia Bank), two industries Representatives of the industry (Wu Xinyi, Chairman of Wuhan Tianyu, and Ma Yuchuan, Deputy Director of China Electronic Planning Department), a total of 15 experts in acceptance, accepted the project construction.
After questioning and discussion, the acceptance team fully recognized the overall situation report and technical research report of the project. It believed that under the guidance of the People's Bank of China, after the positive promotion of China UnionPay and the bank card testing center, the project achieved significant results in a short period of time and completed. With the expected goal, it has the financial IC card chip security, embedded software security and function, quality inspection capability, realizes the controllable control, security and credibility of the detection link, and promotes the technological progress of the industry, and unanimously agrees that the project passes the task acceptance. And highly praised the results of the project.
1. The technical achievements of the project reflect the collective wisdom of the industry. The project construction process also provides technical titles for industrial development. The completion of the project lays the foundation for the dependence of domestic chips on overseas testing and certification, which is conducive to reducing the cost of testing. The promotion and application of chips in the financial field has created favorable conditions.
2. The project has built the first financial IC card security testing center in China, which has achieved the same level of testing as CC and EMVCo authorized laboratories, and has achieved international standards. Among them, radiation injection, electromagnetic manipulation and other non-intrusive manipulation methods have Innovative.
At present, the National Financial IC Card Security Testing Center has actively carried out chip security testing. As of March 2014, 9 chips from 6 domestic companies have passed the test, and some of them have been applied for card issuance in areas such as residential health cards and financial IC cards, with nearly 5 million cards in total. . The establishment of the “National Financial IC Card Testing Center†provides professional and authoritative testing technology services for the follow-up of domestic financial IC card promotion and application, and provides a good technical guarantee for the commercial bank IC card migration work.
Keywords: fusion
Since the launch of the National Gold Card Project in 1993, the Gold Card Project has always adhered to the "people-oriented" and innovative development, and has done a lot of practical work around improving people's livelihood, benefiting the people, serving the society and building harmony. As of the end of 2013, a total of 4.2 billion gold card engineering bank cards were issued; nearly 10 billion smart card ICs were issued in the industry and local areas, and new applications for multi-function cards were achieved.
Among the seven industry cards, smart telecom cards issued more than 4 billion, ranking first; bank cards were 4.2 billion, and they were over-chip; second-generation ID cards (non-contact IC cards) were issued 1.3 billion; 540 million social security cards were issued, more than 400 million urban transportation and various utility payment cards were issued, and 35 million organizational code cards were issued. In addition, industrial cards issued by the petroleum and petrochemical systems, the Ministry of Health, and the Tourism Bureau The IC card function issued by the pilot provinces and cities, etc., the IC card function is becoming more and more perfect, and it is developed into a multi-purpose, integrated integration. According to statistics, the IC card issued by China's gold card project accounts for more than 80% of the domestic IC card market, and has made important contributions to promoting the wide application of smart cards.
The departments, industries and pilot provinces and cities involved in the construction of the gold card project have done a lot of work for the implementation of the "one card multi-purpose" multi-function card. In 2013, the multi-function card application made an important breakthrough. First, the “City Card†promoted by the Jinka pilot city combines the functions of the relevant industry card, and reflects the local characteristics. The business and application are continuously expanding. The “Citizen Card†of more than 40 pilot cities greatly facilitates the people. Urban informationization and intelligent construction provide a platform for supporting and sharing services, effectively improving the city's modern management and serving the society, and will play a major role in the development of smart cities in the Internet of Things. Second, the bank magnetic stripe card speeded up the chip upgrade and transformation, and strengthened the combination with the smart IC card and the city card application in major industries, especially in the development of single payment in mobile payment and other places, and achieved remarkable results. (The above quoted from the "China Internet of Things RFID excellent application case compilation fifth episode")
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