Research And Implementation Of Social Debit Card Applications And Security Mechanism

Along with the development of society, the smart card technology has being developed. It can be divided into several categories, from the contact and non-contact card to the composite card, from the memory card into a smart card with a microprocessor, from synchronous card to asynchronous cards, from a single-application card to multi-application cards. Smart card is widely used in public transport, electronic access control, social security, health insurance, and so on. However, compared to Europe, USA and some countries in Asia, the development of smart card technology is relatively late in China. In addition, the policy factors limit the development of it to some extent. Development in the field of smart card is still in its infancy, the overall trend is using smart card instead of the magnetic stripe cards. And the demand of the smart card is considerable. The smart card industry is an entire industry chain which including cards, card within the chip, chip operating system (referred to as COS) and smart card applications. The migration of EMV (Europay, MasterCard, VISA) led to the migration of the financial card market. Therefore, the major smart card manufacturers have developed smart card OS.Just like operating system with various kinds, so does COS. Different chips and applications need various COS, but COS can not instruct itself but passively receives the terminal instruction and complete the task then back to data, which realizes the exchange between smart card and terminal information. In addition, COS also has many functions, such as managing the memory space, memory call, uploading the application program and data and providing essential interface.All the time, we need use social security cards and bank card respectively because they have different functions. Cardholder must simultaneously use social security card, bank card or cash when he or she settles the medical insurance fees, collects social security benefits, pays social insurance fees, etc. The procedure is complicated."We put social security application and finance application into an IC chip, which thoroughly has the social insurance function and also has debit card function. Therefore, we can pay various social insurance fees, collect various benefits and settle the self-supporting fees of medical expenses using the bank account uploaded by social insurance card, which really realizes "one-card" includes’social security’and’banking’service." We create social security ATM card application program based on the opportunity of Smart Card transfer and the need of combining social security and banking service.This article mainly completes the following researches:1. Detailed discussed and designed the smart card COS, built four modules, such as communication module, command resolve module, file management module and safety module.2. On the base of independent research and development COS, realized the traditional ED/EP (financial application) and ED/EP classed application (social security and building department application), and realized finance and non-financial application in one card, that is to say one card with many applications.3. Also researched and improved the security mechanism.