Smart card industry applications

Chinese smart cards have gone through nearly 20 years of development. Looking back on the past, people still clearly remember the telecommunications card overwhelming the industry market in the late 1990s. If the implementation of smart cards in the field of telecommunications is an expansion of industry applications, then after entering the new century, the renewal of second-generation ID cards of residents will push the development of smart cards to the first peak. At the end of the year, we took a closer look at the development of smart card industry applications.

First, quote

Almost at the same time, the development of the bus card has once again become the focus of the industry in the basic application of the people's livelihood. Perhaps for the general public, initially they did not know too much about the smart features of second-generation resident ID cards, but the RF card swiping cards for public transport cards first had a tangible impact on their daily lives.

Subsequently, in the area of ​​benefiting the people's livelihood, campus cards, citizen cards, etc. gradually developed. After people's understanding of transaction security gradually increased, the pace of domestic bank card migration from magnetic stripe to chip was gradually accelerated due to the wave of EMV migration in the international market.

Changes in the financial sector have also played a catalytic role in the development of multi-application composite cards. In August 2011, the social security card that loaded financial functions began trials and opened the door to the “multiple use of one card”. Afterwards, resident health cards and other industrial cards began trials one after another. Card applications have become a key topic in the industry.

In the multi-industry and field development process of the card, R&D workers have never stopped researching the secret algorithm, which is also in conformity with the national and public demands for chip security. Also for the sake of security, in the aspect of anti-counterfeiting of documents, ordinary electronic passports adopting multiple anti-counterfeiting technologies began to be issued.

In 2012, in the field of communications, cable TV set-top boxes were promoted nationwide. The mobile payment that belongs to the field of communication by the people in the industry has also shown an unstoppable development momentum in 2012. Under this background, if we divide the era for smart cards and their development, I believe that the development of RFID-based IoT and mobile payment can be classified as the “post-smart card era”, that is, the multi-dimensional technology application era with chips as the carrier. .

Second, the card industry applications

China's smart cards have experienced 20 years of development. By 2012, they have shown good momentum in the areas of finance, social security, public transportation, and health care. Let's review together the development of the smart card industry in China in 2012.

1, the financial sector (bank card)

According to the website of the Central Bank, the People's Bank of China released the “Overall Situation of the Payment System Operation in the Third Quarter of 2012” on November 26th: the issuance of bank cards continued to increase. As of the end of the third quarter, 3.400 billion bankcards were issued nationwide, an increase of 5.4% over the previous period. %, an increase of 21.2% year-on-year, an acceleration of 3.3% year-on-year. Among them, the issuance volume of debit cards was 3.082 billion, an increase of 5.5% from the previous quarter, an increase of 21.4% year-on-year, an acceleration of 3.8 percentage points year-on-year; and credit card issuance of 318 million, an increase of 5.1% from the previous quarter and a year-on-year increase of 18.8%, a year-on-year increase. Slow down 1.5 percentage points.

As of the end of the third quarter, there were 4,384,200 networked merchants with bankcard interbank payment systems across the country, 668.90 million connected POS machines, and 39.14 million ATMs, an increase of 506,700 units, 748,400 units, and 18,400 units respectively. As of the end of the third quarter, the number of bank cards corresponding to each ATM was 8,686, a decrease of 4.3% year-on-year; the number of bank cards corresponding to each POS was 508, a decrease of 20.6% year-on-year.

In the third quarter, there were a total of 10.078 billion bank card transactions nationwide, an increase of 25.0% year-on-year, an acceleration of 3.9 percentage points from the same period of last year; the amount was 88.20 trillion yuan, an increase of 5.2% year-on-year, and the growth rate slowed by 27.2 year-on-year. Percentage. Among them, bank cards had 1.777 billion current transactions, amounting to RMB 14.72 trillion, which represented an increase of 28.2% and 12.8% year-on-year respectively; bank card cash withdrawal business was 4.172 billion, amounting to RMB 15.69 trillion, which was a year-on-year increase of 17.9% and 11.3% respectively; The amount of card transfer business was 1.825 billion, amounting to RMB 52.22 trillion. The number of transactions increased by 21.3% year-on-year, and the amount decreased by 0.7% year-on-year; the bankcard consumption business was 2.309 billion, amounting to 5.56 trillion yuan, which was an increase of 40.8% and 36.6% year-on-year respectively.

In the third quarter, the national average bank card spending amounted to 4151.97 yuan, and bank card penetration rate reached 46.3%, which was 6.1 percentage points higher than the same period of last year. The national bank card consumption amounted to 1,804.84 yuan, an increase of 24.3% year-on-year; the average expenditure per penny was 2409.01 yuan, a year-on-year decrease of 3.0%.

2. Social Security

On August 30, 2011, the State Council Information Office held a press conference. At the meeting, Li Dongrong, assistant to the Governor of the People's Bank of China, said: The work promotion plan for the social security card loading financial function is a pilot phase from 2011 to 2012. It has been fully promoted since 2013, and new social security cards in all regions have adopted a single chip card. . For the magnetic stripe chip composite card that is already in use, it will be replaced with a natural elimination method, and it will strive to achieve the goal of achieving universal social security cards with financial functions in about five years. According to the “Twelfth Five-Year Plan”, by the end of 2015, the number of national unified social security cards issued will reach 800 million.

3, public transportation

On July 26th, 2012, the opening ceremony of the National Urban One Card Interconnection was held in Shaoxing, Zhejiang Province. The first batch of eight cities covering Shanghai, Ningbo, Shaoxing, Huzhou, Taizhou, Changshu, Jiangsu, Lanzhou, Gansu, and Baiyin will launch the card. interconnection.

4. Health care (residential health card)

On March 1, 2012, the Ministry of Health, together with Henan Province, Inner Mongolia Erdos City, Jinzhou City, Liaoning Province, and Foshan City, Guangdong Province, simultaneously held the first batch of resident health card issuance trials. On May 28th, the Ministry of Health approved parts of Hebei, Heilongjiang, Shanghai, Jiangsu, Shandong, Hubei, Hunan, Chongqing, Sichuan, and Shaanxi provinces as part of the second batch of pilots for residents' health card construction.

On March 1, 2012, 1.08 million residents' health cards were issued in Inner Mongolia. Among them, 900,000 peasants and herdsmen in Ordos City obtained a multi-purpose “card”—residential health card—to solve the problem of “difficulties in access to doctors and expensive medical treatment”.

Since March 1, 2012, Foshan is expected to issue 20,000 free residents' health cards to the public free of charge.

According to People's Daily, Jinzhou, on March 4, 2012, Jinzhou City will issue residents' health cards in Linghai and Linghe Districts and Guta District before June 30, 2012; before December 31, 2012, it will Resident farmers will issue residents' health cards; by December 31, 2013, residents' health cards with financial functions loaded to all residents will be completed, and relevant regulations and standards will be further improved to optimize the distribution, acceptance, management, and settlement of residents' health cards. To achieve the "one card" that covers the city's population of 3.1 million. It is reported that at present five hospitals in Jinzhou have established electronic patient medical records, and nearly one million rural people in the city have electronic health records, laying a solid foundation for the distribution and use of residents' health cards.

On the afternoon of October 11, 2012, the director of the Statistics and Information Center of the Henan Provincial Department of Health introduced 225,047 residents' health at the end of November before the end of November in Ziyang County in Ziyang County, Guancheng District in Zhengzhou City, Baishui Town in Liyang City and Huangzhuang Town in Wen County. card.

Although the data on the issue of residents' health cards is currently only known to everyone, the promotion and popularization of any business will take time and people need to accept and adapt. It is undeniable that although it was only a matter of a few months, some people who experienced the application of the residents' health card did not have low appraisals on the practicality and convenience of the card.

Third, summary

The Chinese smart card industry has demonstrated to the world one after another peak in its development. Here, we can say that this glory and pride belongs to all people who have contributed to the smart card industry and belongs to all the people who have benefited the smart card industry.