The difficult game in the process of financial IC card.
In 2012, the commercial Banks that obtained the qualification of IC card issued by the people's bank of China were urged by the people's bank to carry out the migration of IC CARDS instead of magnetic stripe CARDS. At the same time, the social security card also needs to load the function of finance. Thus, by 2015, the number of financial IC CARDS issued each year will be in the hundreds of millions, and the number will be increasing.
Such a large amount of hairpin will create an unprecedented development opportunity for a huge industrial chain. This includes IC card production, card read-write equipment upgrades, bank application system hardware and software, various industries related to IC card application development, such as hospital, bus, temples and other IC application), system integration services and so on.
The people's bank has carried out the budget, the commercial bank carries out the IC card transfer, the start-up capital needs more than 50 billion yuan, this includes accepting the environmental upgrade and transformation, changing the card, upgrading the application software and so on; In the future, to enter the application field of an industry to pay for upgrading the industry with a card environment, plus the future large-scale change card, if you count in the next few years, then 4.5 trillion yuan investment is needed.
The information level of the financial industry is very high, so that the banking industry will promote the informatization of various industries and the transformation of urban informatization. And it provides a great opportunity for the whole industry chain.
It seems that the people's bank of China has led commercial Banks to do a good job of benefiting the country, the people and the industry, and invested heavily in this matter. But there are people from all walks of life who are not satisfied with them, or give them advice and hope they can adopt it. The game process, with many details, is not known to outsiders.
In April 2011, a member of the eight (five science academician and three engineering academician) writing a letter to the state council, member of 43 projects in June to write to the state council, driving the development of industry of Chinese financial IC card migration has three demands: a, hope to commercial Banks to purchase domestic chip; 2. Hope to adopt domestic cipher algorithm; Third, we hope that our country can establish a complete set of financial IC card testing and certification system as developed countries. It is directed at the people's bank and commercial Banks.
Are domestic chips used?
On chip purchasing problem, the Chinese academy of engineering as told by ni guangnan said: in terms of financial IC card chip design technology, gap between our country and foreign counterparts is not very big, and the relevant units also have their own innovation in our country, such as high security of reconfigurable logic chip is an example. Since the financial IC card has a high security requirement, it is necessary to use a self-controlled chip to guarantee safety, which provides a great development space for domestic chips. At present, in the field of chip industrialization, domestic chip still lags behind foreign chip, but this can only be solved through application promotion. Compared with the development of the second generation id card in China, the design level of domestic chip was still significantly behind that of foreign countries, and now it is much better than that. Now, if we comprehensively evaluate the level of chips at home and abroad, it should be said that domestic chips are superior to foreign ones in terms of safety and economy, and there is little difference in industrialization. In addition, today our country's integrated circuit manufacturers are fully capable of making such chips. So in general, the condition of adopting domestic financial IC card chip is mature. "It is not a problem for the social security card to adopt domestic chip, because it is issued by the state department, like the id card; The problem now is that the Banks' financial IC CARDS are likely to be issued by commercial Banks themselves. "Ni added.
In response to this question, the relevant leaders of the people's bank of China have a clear attitude. "as long as the domestic IC card can meet the application requirements of the financial industry, the bank will adopt it. This is the same as the router that the bank purchased cisco, after huawei's products follow, we use huawei. In 2011, the people's bank of China and the ministry of industry and information technology (miit) conducted consultations to set up the bank's massive card issuance time in 2013, giving the domestic chip industry time to develop and mass production. In a further step, the bank procurement equipment is to be updated from generation to generation. Some domestic chip companies have not been able to prepare the technology in the near future, and the next generation still has a chance.
Is the state secret algorithm adopted?
Ni guangnan thought: "our existing financial IC card standard will continue to develop and improve with the development of demand. There are also some solutions to how compatible international standards can be, because today's chips and software technologies are already well developed, and solving these problems will not cost much. For example, dual interface problems, compatible with international cryptographic algorithms and so on, are not difficult to solve. In order to ensure financial security in our country, using the domestic chip and domestic cryptographic algorithm is not moved, under this premise, other compatibility requirements can be appropriate technology, by very economically."
Questions about the adoption of cipher algorithm, the people's bank officials said: the introduction of the algorithm, involved with the problem of international connectivity, domestic around this algorithm in the shortage of high-end software, authentication system, chip performance and processing capacity, and so on. Many problems are intertwined, very complex, and the adoption of the state secret algorithm is not achieved overnight.
Construction of China financial IC card security testing center.
In view of the importance of financial IC card, as told by ni guangnan, academicians proposal: it is necessary under the guidance of relevant state departments to establish a special inspection certification system and the corresponding mechanism, to ensure that our country's financial IC card can really in conformity with the relevant standards of the state, the test certification will be objective, scientific, fair, also does not reject foreign manufacturers.
The proposal of the academician has received the attention of the state council, the national development and reform commission takes the lead and provides the special fund support, establishes the detection authentication system. The bank's bank card detection center was upgraded and renamed national financial IC card security testing center. According to the plan, in 2013, the testing center will be upgraded to complete 31 IC card chip detection projects. The goal is to complete 20 test projects in 2012.
In IC card application, industry's ability and commercial bank's demand is a little distance. Industry has been working hard, the biggest problem is lack of funds. For example, one of the main differences between domestic chips and foreign mature chips at this stage is the problem of encapsulation. The IC card has an antenna, the chip and the antenna to be welded together for packaging. There are automatic packaging equipment abroad, but the domestic is manual packaging. Manual packaging can lead to high defect rate. But to introduce foreign equipment, the equipment price is very high, domestic manufacturers are afraid to invest, must see the market can be the scale, see the investment return, only then possible investment. But the chances are that neither the people's bank nor the commercial Banks will be able to wait indefinitely, and the increasingly serious counterfeiting of CARDS will force them to buy the chips that meet the requirements of the application as soon as possible. The industry must be nervous, racing against time to complete research and development and mass production before the big Banks switch CARDS in 2013.