The "Twelfth Five-Year Plan" became the "Changing Core" of Bank Cards.

ICBC: Creating the most advanced bank card ICBC in China The latest information provided by the responsible person to reporters shows that at present, ICBC has issued 5.8 million IC cards, accounting for more than 90 of the country's total of 6.4 million IC cards. According to the plan of ICBC, the credit card issued by the bank in the future will be mainly a chip card. At present, 95 of the 450,000 POS machines owned by ICBC have been reconstructed and can accept "magnetic stripe plus chip".

In recent years, ICBC's positive and beneficial exploration in the field of financial IC cards has yielded gratifying results. ICBC stated that ICBC has taken the lead in implementing financial IC cards at Shenzhen Branch.

It is understood that ICBC IC card finance is recognized by the industry as a financial product that improves the security standards and service capabilities of China's bank cards. It not only achieves breakthroughs in non-contact small off-line payment technology, but also has lower financial online costs and higher payment security, which is conducive to reducing the social cash flow and ensuring the normal order of payment and settlement in China. Currently, ICBC's financial IC card has the powerful function of “one card for multiple purposes” and is compatible with current bank cards, transportation cards, and industry cards. Once it is promoted and applied in the areas of small payment and fast payment such as public transportation, convenience supermarkets, and fast food, It will significantly save the cost of issuance and settlement, save a lot of social resources, and have practical significance for building a conservation-oriented and innovative society.

At present, ICBC’s comprehensive IC card product line includes debit + IC, credit + IC, and pure IC card. It is currently the most advanced and advanced bank card product in China. These financial IC cards are equipped with a microchip, which greatly increases the information storage capacity of the card, and can not only achieve all the financial functions of the ordinary magnetic bank card, but also provide offline transactions, contactless transactions, and membership management for customers. And credit management and other intelligent features. Compared with traditional magnetic stripe cards, financial IC cards can store encrypted confidential data, prevent card data from being copied and made into fake cards, and have higher security and are not easy to counterfeit.

ICBC stated that more financial IC card innovation products will be launched in the future to make due contributions to the development of China's bank card industry, the goal of facilitating people and the people, and the promotion of China’s economic development.

CCB: Launches All-round Upgrading Work In an interview with reporters, the person in charge of the relevant bank of CCB said that the People's Bank of China formally issued the “Opinions on Promoting the Application of Financial IC Cards” and clearly explained the development ideas of the financial IC card business. Issuing financial IC cards will help improve bank card risk control, maintain financial stability and social stability, and expand bank card functions.

CCB has been actively tracking the development of financial IC cards, actively conducting financial IC card pilot work, and carrying out related technical reserves. IC card pilot work began in 1994. In 1998, the industry’s electronic wallet application based on PBOC 1.0 was introduced. In 2009, the Ningbo branch was the official bank’s pilot ICBC IC card, and in 2010 the bank’s unified financial system was established. The IC card CA key management system provides a unified certificate service and key management functions for all levels and levels for the Bank's issuance of financial IC cards. In 2011, Hunan and other branches took the lead to issue PBOC2.0 standard IC cards.

The responsible person stated that CCB will actively respond to the central bank's call for the implementation of financial IC cards, implement it in accordance with the requirements of the People's Bank and steadily implement the upgrade of the financial IC card system. At present, financial IC card issuance and related systems are being reconstructed. It will be put into operation in the near future, and actively carry out financial IC card acceptance environment transformation work, and complete the transformation of relevant financial IC card acceptance equipment in accordance with the time required by the People's Bank of China. It also arranged a special fee for the upgrade of financial IC card systems, actively supported the development of financial IC card business, and ensured the smooth implementation of various reforms.

It is understood that in order to ensure a steady transition from the magnetic stripe card to the IC card, CCB will adopt the strategy of comprehensive promotion after the pilot trial in the issuance of financial IC cards. At the same time, CCB will also actively participate in the issuance of social cards and other industry cards.

Bank of China: Creating innovative mobile payment card products Not long ago, Bank of China, China Telecom and China UnionPay jointly held a ceremony in Ningbo to formally issue a mobile financial IC card (Citizen Card) Tianyi Great Wall integrating mobile phone SIM cards and financial IC cards. card. Create mobile payment card innovative products.

Tianyi Great Wall Card is the first domestic financial payment card with 3G communication and UnionPay standards launched by BOC and China Telecom. This card has been loaded with the "electronic purse" account in China Telecom's UIM card, which is in line with China's cartoon standards for financial industry chips. It is an innovative product combining the bank card financial payment field with the mobile communication field. The customer has such a mobile payment card, which is equivalent to building a comprehensive platform for mobile communication and e-wallet transactions on its own mobile terminal, and can use the mobile terminal to enjoy convenient services such as recharge payment, consumer payment and 3G communication anytime, anywhere.

According to industry insiders, with the rapid development of bank card industry at home and abroad, the entire society has put forward higher requirements for the application security of bank cards, the expansion of social functions, and integration with international payment systems. Advancing the application of financial IC cards in China is conducive to improving the overall risk prevention and control capabilities of national bank cards, reducing risk losses, maintaining financial stability and social stability, and facilitating the expansion of bank cards' ability to expand in the public service sector and achieving “one card "Using many people" will benefit the people; it will help promote the combination of city informatization and financial informatization, improve the informationization and intelligence of various types of transactions and management, and help promote the upgrading of bank card industry.

ABC: Advocating "low-carbon life, green travel"

The relevant ABC bank introduced that carrying out rich and diverse value-added services based on bank cards is the future direction of bank card business development. IC cards have the advantages of high security, large capacity, and active work, and support the development of bank card value-added services in a new mode. The business model of the Jinsui C-card breaks through the limitations of the single-service function joint-name card issued by banks and partners, and provides technical support for the further development and innovation of the bank card business.

In September last year, at the 2010 China International Finance Exhibition, Jinsui C-card value-added business solutions for cooperation between Agricultural Bank of China and Datang Telecom won the “Excellent Solution Award” at the 2010 Financial Show.

According to the person in charge of the bank, the Jinsui C-card is the first practice in the domestic banking industry to combine PBOC 2.0 technology standards with bank card value-added services based on IC card chip technology. At present, China's bank card industry is facing an overall situation. Under the background of the era of upgrading, it is of great significance.

Jinsui C-card advocated “low-carbon life, green travel” in the Xinjiang Uygur Autonomous Region of the motherland received the high attention and recognition from the leaders of the region’s government and related cooperation units, Xinjiang Xinjie Gas Co., Ltd. has decided to be based on gold The C-card in the ear, in close cooperation with the Agricultural Bank of China, jointly issued gas-gas refueling IC cards for the “Blue Sky Project” in the frontier.