Brief Disscussion Of Designing And Implementation On Bank Card Management System Based On IC Card

It has been 22 years since the implementation of ‘Golden Card Project’ from 1993. With the establishment of China Union Pay the amount of interbank currency is getting to its peak. A cross nation network which is used to exchange credit card information is taking its shape. About 40 cities in our nation set up devices which accept credit card which realize the cross region usage of bank card. But firstly the media of bank card in China was the magnetic stripe card. Through the usage of bank card the disadvantage of magnetic strip card has come forward. The data capacity of magnetic strip card is too small to store trade records and other useful information. When using a debit card you need have network connection and it only carry one trade a time. And it is very easy to copy the information stored in the magnetic strip card which means a low security level. Some business involve bank card needs support specific encryption equipment to apply. All these disadvantages shows that we need a more powerful card system to meet the demands of card holders.Integrated Circuit card so called Smart Card is coming into our sight. The technical core of Integrated Circuit Card is an integrated circuit inset a plastic piece. The card has a large storage space for trade information and encryption program which means a good advantage in cross sectorial card application. Besides the application of Integrated Circuit Card make multi-application to be possible.Firstly, we looked into the invention of bank card. Then, we analyzed the features of different card type and different card process path. Throug different view of participants, we proposed a new end credit card transaction, with the solution for three problems: 1) build up a specification of the trading process for IC card transaction; 2) ensure the security from confidentiality, integrality and non-repudiation. 3) resolve the issue of compatibility with other application and payment modes;Then we forged a different model for the trade model, requirements of platform, system architecture for the IC card terminal system. After finishing the model we focused on the system security, and realize the whole IC card system, including technical and steady platform, software and hardware architecture and so on.