Talking about the Development and Integration of Application Functions of Smart Cards

1 Status of smart card applications in China

“Jinka Project” started with the focus on electronic money, and was first applied on the bank’s long card.As of June 2002, the number of bank cards issued in China exceeded 400 million, Inter-site access and consumption were all achieved.

With regard to non-bank cards, various types of card application systems have also been booming. As of 2000, about 600 million cards of various types have been issued in China. Some days ago, smart card applications that have been used or initiated by pilots include telecommunications (telephone cards, SIM cards), organization code, transportation card (subway, bus, rental, ferry, etc.), road and bridge automatic charging, taxation, business management, and social security. (Labor employment, social insurance, medical insurance, social assistance, and special care applications, etc.), driver illegal management, fuel card (Sinopec and PetroChina), urban public utilities (such as water, electricity, gas). In addition, other applications include campus cards, employee cards, cafeteria meal cards, access control cards, and various discount cards. In addition, smart card applications to be used for trials will also include second-generation ID cards using non-contact IC technology and biometric technology, which will become China's largest IC card application.

2 The smart card application function in China needs to be further expanded and integrated

The maturity and development of smart card technology brings great convenience to people's lives. The breadth and depth of application of smart card technology has become an important indicator to measure the application level of information technology in people's daily life. Therefore, many regions in China regard the number of per capita cardholders as an important manifestation of the level of information technology applications.

This measurement method is suitable for some regions with relatively low level of informationization. However, for international metropolises such as Beijing and Shanghai, the level of application and promotion of smart cards is not enough to pursue only the number of cards. The level of informatization represented by smart card technology is reflected in the number of cards per capita, which must be reflected in the convenience functions of the cards for people's lives. The strength of the smart card function and the versatility of the card are the real measure of the smart card application level. Imagine if each unit issued its own smart card, then people’s thick wallets did not become thinner. Instead, they replaced all the original documents with various smart cards such as credit cards, social security cards, transportation cards, unit cards, and community cards. cash. Although these are convenient for people's lives to a certain extent, they are not enough from the perspective of society as a whole. In the future, the development of “one card” should be developed in the direction of “social communication”, and should not only be limited to the internals of various units and industries. At the same time, the card's function and card use environment must be further improved. In fact, all kinds of cards are summed up as nothing more than the realization of the three major functions of electronic consumption, identity authentication and information storage. The real task of "One Card" should be to integrate the above three major functions on as few smart cards as possible so as to safely and reliably facilitate people's daily lives.

In terms of electronic consumption, many useful attempts have been made abroad. Singapore Cyber ​​Wallet (CASHCARD) has realized cross-industry applications and can be used in supermarkets, road tolls, parking fees, libraries, schools, and online transactions, such as transnational use of electronic wallets (such as the basic CWP on the Gateway in Belgium has been in Belgium , Netherlands, Spain and other countries piloted) to achieve the electronic wallet online authentication and payment functions.

In terms of identity authentication and information storage, Shanghai's social security card, Beijing's citizen card, and so on are all actually integrating efforts in this direction, but the breadth and depth of the application still need to be further improved. The second-generation ID card system that is about to enter the pilot stage will also greatly promote the progress of the smart card business.

3 The possibility of smart card application function expansion and integration

The set of smart card application functions includes the integration of social-wide functions and the integration of regional functions (eg, units, communities, etc.). For example, the social scope of electronic consumption functions such as traffic consumption, parking fees, shopping and other regional consumption of electronic consumer canteen dining, community entertainment consumption, social scope identity identification and basic information storage function, identity card function, history reading function, education status Information reading functions, regional identification and basic information storage functions (access control functions, attendance functions, etc.).

3.1 Social Foundations for the Development and Integration of Smart Card Application Functions

In recent years, various local governments in our country have done a great deal of work on the application of smart cards in the social sphere and have made great achievements. These achievements have provided applications for the expansion and integration of smart card applications and have provided applications such as bankcards and transportation card applications in the areas of social consumerism. This has provided a good example for the promotion of electronic consumption in other industries. As long as a good settlement mechanism is established in the background and the interest relationships among various industries are coordinated, and electronic consumer applications are further promoted, it is not difficult to gradually realize the integration of social-electronic consumption functions in the society. In terms of social identification and basic information storage, local governments have also made significant efforts.

In the first half of 2003, in addition to the existing functions such as medical treatment, marriage registration, unemployment registration, pension collection, employment training, special care assistance, and provident fund loans, the Shanghai Social Security Card also opened a passport application business, enabling traffic police to use handheld computers. Read the social information function of the social security card.

At the end of 2002, Guangdong Province began experimenting with a powerful social security card in four cities in Guangzhou, Zhuhai, Shunde, and the South China Sea. This social security card has a card ID card, a social security card, a medical certificate, an ID card, a family planning card, an employment permit, and a UnionPay card. Cards and other functions, Applicable departments and functions include labor department (for employment procedures, pension insurance, civil affairs department for marriage registration and certification, social security department for social insurance, including payment of fees, contract renewal, etc.), health department ( For medical insurance, the card also includes the individual's previous medical information, medical history records, doctor's advice, etc.), the public security department (for household registration, transfer, change of identity card information, etc.), payment payment in some online departments When handling the payment business or shopping mall consumption, social security card can be used for credit card payment instead of UnionPay card. Individuals in industry and commerce department and unit users only need to bring a card. The company records all the materials related to business registration, taxation registration and quality inspection. And the information is networked across the province. In addition, this card is also applicable to the local tax, drug administration, finance, quality supervision and other departments. According to this process, social identity identification and basic information storage functions will gradually be integrated into the same smart card in the near future. Another key step in the expansion and integration of smart card application functions is how to integrate the functions of each region into smart cards that are commonly used in society, rather than publishing each so-called “card” in every unit and every community. In fact, the “one-card” system developed by various units and communities is relatively simple. The data stored in the card is very limited. The vast majority of them only play an identity role. Data are stored in the back-end database completely. You can use the smart cards that are already available in the community, open up some of your data partitions, and even use them directly (by directly reading the card's ID number). Since the internal data of the IC card is stored in a partition, each partition can be separately encrypted, so this method is safe and feasible. This solution can not only achieve the original functions, but also reduce the number of smart cards issued to facilitate people's lives, and at the same time, it also reduces the cost of developing "one card" systems for all units and communities.

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