| Despite the universal use of the financial IC card in social security,transportation,medical care,tourism and other fields,there are still problems in terms of inadequate sharing of the financial IC card in industrial applications,a lack of cross-industry technology platforms to support application sharing,etc.“One card for one item” is still a current practice,and “one IC card for all purposes” is still yet to be promoted,which causes a waste of resources and inconveniences to the public masses in carrying multiple cards at the same time.Meanwhile,with the booming development of mobile payment,the hidden security danger in card-free payment methods such as QR codes and mobile Apps has gradually become prominent.Therefore,it is of great significance to further promote the multi-purpose use of the financial IC card,advance the open sharing and interconnectivity of industrial applications,and popularize mobile intelligent terminals with security chips,hardware digital certificate support and Chinese cypher algorithms,so as to provide the public with safer and more convenient financial services and livelihood services.Based on the requirements by the National Development and Reform Commission and the People's Bank of China for the implementation of pilot programs for innovation in mobile e-commerce financial and technology services and the Sichuan Provincial Government's planning of the multi-purpose use of the financial IC card,this thesis,through the research of key technologies in the multi-purpose application of the financial IC card,this thesis aims to develop relevant application technical standards,design and construct a provincial cross-industry connectivity platform for the financial IC card and mobile finance characterized by “business security,application sharing,equipment sharing,all-purpose card,cost allocation,system interconnection”,develop a group of financial IC card and mobile intelligent terminal-based innovative financial and industrial applications,and build a mobile financial infrastructure that is secure,reliable and universally connected,so as to lay a foundation for the future application of digital currency.This thesis mainly covers research contents and results as shown below:1.Due to a lack of unified industrial application technology planning across the province,various industries,cities and prefectures and commercial banks have independently loaded industrial applications on the financial IC card,which triggersproblems concerning the incompabililty with the card file structure,industrial application key and POS terminals,barriers to universal networking of industrial applications,etc.In response to challenges described above,the author has conducted innovations,refinement and coordinated planning based on a deepened study of the industrial standards for the financial IC card and mobile payment,made an overall planning of the card specifications for industrial applications,the industrial application key system and the POS terminal standards for the bus industry across Sichuan Province,and solved problems involving the industrial standard unification,the safe storage of industrial application information in the card,and the safe and reliable information transmission between organizations and between the terminal and the background host,thereby laying a solid technical foundation for open sharing and interconnectivity of industrial applications.2.Through in-depth research on IC card multi application management technology and trusted service management technology,problems including the loading and management of industrial applications on common financial IC cards and mobile IC cards,the access and sharing of industry applications,the exchange of industry customize keys,the access to the national mobile financial public service platform are solved.Besides,an architecturally open,interconnected,secure and reliable provincial financial IC card and mobile financial service platform has been designed and developed in accordance with China's financial mobile payment standards.The platform is connected to the national mobile financial service platform,and the national universal application and locally specific applications developed are shared on the national platform for nationwide use.The platform connects platforms and applications of different architectures and modes of each organization,and supports a variety of innovative financial applications,industrial applications and business models.The platform is the first provincial-level IC card and mobile financial connectivity platforms built in China.It has passed the testing and certification of national professional institutions and has been put into operation,generating good social and economic benefits.3.In view of a lack of financial IC card industry application management system in the bus industry in small and medium-sized cities and county-level cities,a lack of blacklist and promotional activity support in the existing financial POS terminal specifications and other problems,the author has studied the financial terminal securityinteraction technology,developed,designed and constructed a unified financial IC card platform for the public transportation industry across the province,which supports the ordinary card,the seniors' card,the student card and other payment modes and flexible discount modes,as well as the access and management of various cities,operation companies and other types of scale organizations,thus laying a foundation for the rapid promotion of the financial IC card in the bus field.4.The extended application technology of financial IC card and trusted service management technology are studied.Based on the self-developed specifications for industrial application cards and key management,problems involving the safe storage and transmission of industrial information in the financial IC card,the speed of tapping cards in subways are solved.This helps realize the application of the common financial IC card and mobile financial IC card(the mobile SD card)in the subway for the first time in China,solve the problems involving the safe storage and transmission of drivers' and driving license's information.A pioneering breakthrough has also been made in the development of an application for the handling of traffic offenses based on common financial IC cards open to all banks. |
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