Application model of financial IC card in enterprise park and suggestions for problems

Loading industry multi-applications is an important symbol of the upgrade of the bank card chip industry, and is also an important goal to promote the development of financial IC cards. At present, the barriers between industries are serious, and the development of financial IC cards is facing a severe test. The information management of enterprise parks is still not mature, providing an important platform for the development of financial IC cards. This paper will analyze the application mode and benefit output based on the application of enterprise financial parks in Shandong Province, and propose development proposals.

First, the application characteristics of financial IC cards

With the transformation of modern lifestyles and the acceleration of social rhythm, cardholders are increasingly demanding the convenience and convenience of bank cards, and the need to realize multi-use of one card is becoming more and more urgent. The financial IC card uses the chip as the main medium. Compared with the traditional magnetic stripe card, it has larger capacity and more expandable functions, and can provide support in identity recognition, data storage, and multi-domain applications. The financial IC card is based on strict security protection mechanism and anti-counterfeiting function, and the processing flow is simplified. The transaction can be completed at the millimeter level, and the transaction efficiency is greatly improved compared with the ordinary bank card. At the same time, the financial IC card has good scalability, can load a variety of applications at the same time, can meet the needs of cardholders to the greatest extent, and effectively improve the efficiency of social operations.

According to the requirements of the People's Bank of China, the promotion of financial IC cards adheres to the principle of “government guidance, market operation, unified standards, and encourage innovation”. The People's Bank of China will coordinate with relevant government departments to conduct policy guidance and coordination on the comprehensive promotion of financial IC cards, promote the use of financial standards for IC cards for cross-industry payment applications, and use industry-wide applications as a foothold to encourage innovative development of financial IC card applications. Explore the development needs of meeting new industrial formats and applying new models. The People's Bank of China has cooperated with the Ministry of Human Resources and Social Security to promote social security cards with financial functions, promote the application of financial IC cards in the field of public services, and research mobile payment technology standards with the Ministry of Industry and Information Technology. The card is a major financial strategy.

As of July 2012, there were a total of 310,000 direct-link and inter-connected POS terminals in Shandong Province, with a completion rate of 100%, of which support for non-connected card POS accounted for 14.5%. As of the end of July 2012, the province had a total of 20,000 ATMs, which had been upgraded by 14,000 units, with a transformation rate of 70%. It is expected that all transformations will be completed by the end of the year. There are 9 banking institutions in the province that issue 1.26 million financial IC cards to the society, an increase of 298% compared with the end of 2011. In the second half of 2012, Shandong Rural Credit Cooperatives, Qingdao Bank and other institutions will begin issuing financial IC cards. Driven by the first issuer, the overall card issuance trend is good. It is expected that by the end of 2012, the province will issue more than 4 million cards. At the same time, however, industry and technical barriers have also led to some problems in the promotion of financial IC cards.

On the one hand, it is difficult for industry (sector) barriers to break through the formed interest pattern, and it is difficult for financial IC cards to enter the mature field to participate in competition. On the other hand, various IC cards have differences in card issuance, acceptance, transaction, clearing, etc., and technical standards are not uniform. There are certain difficulties in realizing technical docking and information interaction between financial IC cards and industrial cards. As a rising star, financial IC cards have low social awareness and low cardholder experience. The application of financial IC cards in various industries is not easy to accept.

Faced with this situation, Shandong Province has taken the enterprise park, which is in urgent need of information management, as an entry point, seized the opportunity, explored innovation, and realized the effective promotion and steady development of financial IC cards.

Second, Shandong Province financial IC card enterprise park application model

For small and medium-sized enterprises, the technical strength is relatively weak, attendance relies on manual recording, dining halls use meal tickets, access control locks use traditional keys, information management is urgent, but if investing large sums of money for information construction, the acceptance terminal is deployed. On-line card-making equipment not only has high cost and low efficiency, but also causes waste of social resources. For some large enterprises, due to the lack of effective planning in the early stage, the information management of employees has become increasingly confusing, and at the same time limited by the early technology, it has also caused serious phenomena, re-construction and high cost. Enterprise parks urgently need to find a fast, safe, cost-effective, convenient and practical card-based way to achieve employee information management.

The enterprise campus application of financial IC cards has two orientations: one is to use more than one card, and the other is to separate the non-payment from the payment application. Under these two orientations, Shandong Province has made efforts to build financial IC cards to load enterprise parks with multiple applications and achieved certain results.

(1) One card inside and outside the park

After the financial IC card is loaded into the enterprise park application, it is the same as an ordinary bank card outside the park. It can realize functions such as credit card consumption and access check. If it is a credit card, it can also realize overdraft consumption, points returning gifts, merchant discounts. Such as the rich supporting services; in the park, it can be used as access control card, meal card, time card, in the large group, the relevant service facilities are relatively perfect, and can also be realized through the transformation of the terminal, to realize the bus travel, book borrowing, bathroom meter Fees and other functions. At the same time, the financial IC card can also be used as a salary generation card to achieve multi-card integration, convenient and fast.

(2) Separation of payment from non-payment applications

After the financial IC card is loaded into the industry, it is divided into payment applications and non-payment applications according to whether there is capital flow. The payment application includes shopping mall consumption, canteen dining, supermarket shopping, etc. The funds are deposited in the bank account, and the electronic cash is associated with the debit and credit account. The maximum balance of electronic cash does not exceed RMB 1,000. The unified funds are managed by the banking financial institutions. Non-payment applications include attendance, access control, and more. The financial IC card chip has personal information such as the cardholder's photo, name, employee number, etc., and serves as the unique identifier of the employee. The terminal realizes the access and other functions by judging the logo. The enterprise management department can maintain non-payment information by software.

(3) Fund clearing process

For offline POS placed in restaurants, park buses, supermarkets, etc., the relevant information is regularly introduced into the system by the acquiring bank. For the same bank card as the issuing bank and the issuing bank, the commercial bank clears the liquid through the Bank's clearing system. The bank card different from the issuing bank and the issuing bank will be handed over to UnionPay for liquidation. Finally, the acquiring bank will unify the settlement funds into the bank account of the enterprise.

(4) The initial application of the park application

Under the active organization of the People's Bank of China, the application of financial IC card enterprise parks has begun to take shape, and it has matured in application technology and business model. The Bank of China has a strong marketing and breakthrough. It has integrated financial IC cards with enterprise parks in Zibo, Yantai, Jining and Liaocheng. As of October 2012, the number of cards issued has reached 100,000. Among them, in Zibo, it has cooperated with 56 enterprises including Lutai Textile Co., Ltd. to issue 40,000 cards; in Yantai, it cooperates with Nanshan Group to issue 20,000 cards; in Jining, with Shandong Liancheng Group, Carbon Industrial Park, etc. Cooperation, issuing 18,000 cards; in Liaocheng, we cooperated with more than ten companies including Quanlin Paper and issued more than 10,000 cards.

For enterprise parks, enterprises use financial IC cards, which saves management costs and reduces capital costs. The staff avoided the "one thing, one card, one card and one card", and truly made one card more convenient, safe and fast. The enterprise employee card has the characteristics of prepaid card and has certain ability to pay. The fund deposit in the employee card is long-term free from financial supervision. The employee card is included in the commercial banking system, which is beneficial to protect the safety and legal rights of the employees. On the other hand, commercial banks have obvious advantages in card production, equipment purchase, and liquidation capabilities. Enterprises can make full use of the banking system to achieve resource integration, avoid duplication of investment and waste, reduce the cost of enterprises and cardholders, and improve the overall society. Operational efficiency, to achieve the purpose of saving social resources.

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