Has issued more than 500,000 cards

"At the end of June this year, Shenzhen Bank has issued more than 500,000 financial IC cards, and the number of card issuance is still increasing." When talking about the development of Shenzhen financial IC card, the relevant person in the Shenzhen City Center branch was interviewed by reporters. The development of Shenzhen financial IC card has recently made breakthrough progress. At present, ICBC, Bank of China, China Merchants Bank and other banks have issued financial IC cards in Shenzhen.

Xie Zhong, deputy general manager of ICBC Shenzhen Branch Bank Card Center, told reporters that as early as 2008, Shenzhen City took the lead in introducing the development plan of financial IC cards in the country, and proposed to accelerate the development of financial IC cards based on “one card and multiple applications”. ICBC became the first pilot unit for financial IC card in Shenzhen. "As of now, the number of financial IC cards issued by Shenzhen Branch has reached 400,000, and the variety has also been extended from credit IC cards to debit IC cards and bearer IC cards, realizing the issuance of financial IC cards for all varieties."

Super eight POS machine can brush IC card

In addition to continuously increasing the amount of card issuance, the People's Bank of China Shenzhen Branch, UnionPay Shenzhen Branch, and the Bank have continued to promote the construction of financial IC cards in recent years and promote the transformation of POS machines.

According to statistics from the Shenzhen Branch of the People's Bank of China, as of the end of June this year, there were 113,000 POS machines in Shenzhen, of which 88,000 have been rebuilt to accept contact financial IC card transactions. There are 16,000 units that can also accept non-contact financial IC card (being card) transactions. ICBC Shenzhen Branch said that at present, all POS machines of the bank can accept financial IC cards.

According to the materials provided by the Shenzhen Branch of the People's Bank of China, as of the end of June 2011, merchants who can accept financial IC card swipes have covered all aspects of citizen life, including fast food (face king, KFC, real Kung Fu), supermarkets (such as Wal-Mart). , Tianhong), convenience stores (such as Wandiantong), pharmacies (such as Haiwang Xingchen), bookstores (such as Shenzhen Book City), hospitals, bakeries, gas stations and many other industries that are suitable and need to pay quickly to reduce waiting time.

In addition, according to the requirements of the Shenzhen Branch of the People's Bank of China, before the Universiade, the relevant financial institutions should complete including fast food restaurants, convenience stores, chain bakeries, scenic spots, public hospital registration, gas stations, cinemas, pharmacies, supermarkets, leisure bars, 13 industries, such as ticketing, laundry, and parking lots, which are closely related to the life of the citizens, have completely completed the renovation of the contactless financial IC card of the POS machine. Among them, the parking lot project is the first in the country.

In addition, Shenzhen has also creatively piloted financial IC card consumption in the vegetable market. For example, the Futian Agricultural Approval Market has installed four POS machines that can accept financial IC cards, and has been approved by merchants. Relevant persons from the Shenzhen Branch of the People's Bank of China and the Shenzhen Branch of the UnionPay said that if the pilot situation is good, the pilot will likely expand to other vegetable markets.

Financial IC card wins in security

Because of its higher security than existing magnetic stripe cards, financial IC cards have become the development direction of bank cards pushed by the central bank, and have set a timetable for financial IC card acceptance environment transformation and commercial banks issuing financial IC cards. Then, what is the convenience of the comprehensive promotion and use of financial IC cards for the citizens' lives?

In this regard, the person in charge of the Shenzhen City Center branch said that compared with the magnetic stripe card currently in use, the financial IC card has the advantages of high security, “one card multi-use” and “being card” transactions. Greatly improve the safety of the card used by the citizens, reduce the risk of the card being cloned, and make the citizens more comfortable with the card.

In terms of security, and the recent magnetic stripe card cloning cases continue to occur, the security of financial IC cards is extremely high. The financial IC card uses the chip as the medium. Not only is the data in the card extremely difficult to be copied, but also the card has a large capacity and can store security information such as a key, a digital certificate, a fingerprint, etc., so the security is greatly improved, and the card is not easily cloned. "According to the current situation, there has not been a situation in which the chip card has been cloned in the world. This will greatly improve the safety of the card used by the public. The citizens do not have to worry about the card being cloned," the person said.

In terms of functions, due to the large capacity of the IC card, it not only has all the financial functions of the ordinary magnetic stripe bank card, but also can develop various functions according to the needs, and realize "one card multi-purpose", for example, it can be used as an access card, a loyalty card, and a member. Cards, etc., will greatly reduce the number of cards in the public wallet and make the wallet slim. For example, the financial IC card launched by ICBC Shenzhen Branch currently has “credit card function + e-cash function + love purchase rights + Guangshen railway application + Shenzhen pass function + catering point pass function + point coin consumption function + social security connection function” Kind of function.

In terms of payment, since the financial IC card can provide offline transactions and contactless transactions, the payment efficiency will be greatly improved. In particular, its unique electronic cash function is equivalent to setting up another e-wallet in the bank card. In the case of small payment, you can provide offline transactions, and you do not need to insert a card to swipe, lose the password, as long as you gently "one shot" on the POS machine, you can complete the payment below 1000 yuan. "According to statistics, in the daily consumption of the public, in addition to the consumption of bulk commodities such as buying a house and buying a car, more than 80% of the consumption is a small amount of consumption below 1,000 yuan," said a person from the Shenzhen Branch of the People's Bank of China. He believes that with the increasing popularity of financial IC cards, it will greatly reduce the time for citizens to queue up for shopping and consumption, so that citizens' lives will be safer, faster, more convenient and more comfortable.

Shenzhen needs to work hard to promote IC cards

Because of its higher security than existing magnetic stripe cards, financial IC cards have become the development direction of bank cards pushed by the central bank.

The reporter learned that as early as November 2005, a document issued by the Shenzhen Bank Card Industry Development Coordination Group Office proposed that bank card ICization is an international development trend, and Shenzhen should strive to promote financial IC card promotion. The forefront of the country. However, in addition to the introduction of some documents, the Shenzhen Municipal Government did not take substantive action to promote the development of financial IC cards. It did not promote financial IC cards in taxis and public transportation like Beijing, nor did it push like the Ningbo Municipal Government. The citizen card (financial IC card) does not provide financial support.

In this regard, Xie Zhong suggested that the Shenzhen Municipal Government should conduct industrial guidance on the one hand, and encourage relevant commercial banks to issue financial IC cards by formulating relevant policy support; on the other hand, financial support can be provided appropriately, such as providing card issuance subsidies and accepting the environment. Construction subsidies, etc. Secondly, government departments should take the lead in experiencing financial IC cards in promoting the application of financial IC cards.

Ma Weihua, the president of China Merchants Bank, once said that due to the high cost of development and promotion of chip cards, he suggested that the state should provide certain financial subsidies to improve the enthusiasm of commercial banks.

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