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1. Construction of Zhongshantong Electronic Toll Collection System
In order to improve the level of urban informatization and public service, improve the accurate statistics and management of urban public transport passenger flow, provide preferential public transport services to the general public, and improve the travel environment and payment environment of citizens, Zhongshan Zhongshantong Smart Card Co., Ltd. is in accordance with the requirements of the municipal party committee and municipal government. , To start and implement the Zhongshantong electronic toll collection system project. In order to accelerate the construction of the project, the municipal government takes the lead to establish a project promotion leading group, and organize leading group members and related technical personnel to conduct research in cities where the application of the all-in-one card is better in China. The construction goals of “planning, unified standards, and one card for multiple purposes” have been completed, and the “Overall System Design Scheme Requirements Document” has been completed, and the project construction work has been fully implemented.
The system project is designed in accordance with the national “Integrated Circuit (IC) Card Application Technology for Construction Industry” (CJ/T166-2006) standards, integrated into the relevant standards of the financial industry, and designed with a high starting point and high standard for the application mode of the city card to effectively ensure the project technology It is advanced, safe, open, extensible, compatible, forward-looking, novel, innovative, and at the leading level among domestic counterparts.
2. Application status of Zhongshantong electronic toll collection system
Zhongshantong Electronic Toll Collection System was put into use on December 28, 2008. As of July 2010, Zhongshantong has issued a total of about 300,000 IC cards, including about 120,000 elderly cards and about 50,000 student cards; the number of bus card swipes reached 25 million. Zhongshantong IC card has realized the payment of more than 1,300 buses in the city, and can be connected to all the bus lines in Zhuzhong and Zhongshan; about 230 special merchant outlets in the city can sell cards, recharge and consume; realize 60 The bank self-service recharge service of rural credit cooperatives outlets; the “Tianyi Zhongshantong” mobile phone card payment service in cooperation with China Telecom has entered trial operation; the urban roadside meter parking project will also apply Zhongshantong payment in the near future. After more than a year of development, Zhongshantong has realized card payment in supermarkets, parking lots, restaurants, bookstores, pharmacies, scenic spots and other fields, and realized some public utility payment and access control identification functions. The city card has begun to take shape.
3. Introduction to system operation
Zhongshantong Electronic Toll Collection System takes the lead in adopting advanced and mature technologies such as J2EE, MVC multi-layer structure and B/S architecture to carry out integrated innovation in the application field of the city all-in-one card. The establishment of the city all-in-one card system realizes secure online transactions and flexible integrated reporting tools. , Strict offline accounting processing, centralized multi-level clearing and clearing, cluster application, perfect points and secure key management, effectively solve the system transaction security, system architecture unity, back-end equipment operating costs, city Key issues such as interconnection and interoperability make the system ahead of similar domestic projects in terms of security, scalability and convenience.
(1) The establishment of online transaction processing and offline balance processing mechanisms, and the application of the “Construction Business IC Card Key Management System V2.0” make the system extremely secure.
The system platform based on J2EE technology, MVC multi-layer structure and B/S architecture effectively solves the technical constraints of communication and back-end accounting processing mechanisms, and changes the current domestic city card with offline transactions as the mainstream application, and guarantees the system in terms of technology. Accounting security. In the application environment where conditions permit (such as customer service outlets, special merchant outlets, etc.), online online transaction processing is adopted to realize the linkage processing of back-end accounts and terminal transactions, real-time monitoring, to ensure the safe operation of the system, and the speed of online transaction processing is extremely high. quick. In application environments where conditions are not yet permitted (such as buses and rail transit), centralized multi-level liquidation is adopted, a strict offline accounting processing mechanism is established, and the key data items in the transaction flow are matched and processed through the back-end account. It solves the unavoidable loss of transaction data during offline transactions, and guarantees the integrity and security of transaction data. The “Construction Business IC Card Key Management System V2.0” is fully adopted, and the highly encrypted 3DES encryption algorithm and RSA asymmetric algorithm are adopted. Through advanced network technology, IC card technology and encryption technology, it is used in transaction authentication and encryption. In terms of technical security, it is even ahead of the domestic urban all-in-one card system.
(2) The application of clusters and interconnection key technology enables the system to have good scalability.
Through the clustering technology of the application layer, each set of hosts not only realizes the function of mutual backup, but also achieves load balancing and improves the utilization rate of the system. At the same time, server applications can be added at any time according to the needs of business volume and data growth, which effectively reduces system investment costs and has good scalability. The use of “Construction Business IC Card Key Management System V2.0” reserves special keys for adding new applications, which can realize the decentralization and unified distribution of keys in multiple industries in the construction field, and meet the security application requirements of various industries, effectively To solve the problem of issuing cards in different cities, sharing equipment, and realizing cross-city and cross-industry all-in-one cards. This effectively guarantees the system’s expanded application in the area of the city’s all-in-one card and inter-city interconnection.
(3) Based on J2EE technology, MVC multi-layer structure and B/S structure, as well as flexible reporting tools and perfect integration functions, the convenience of the system has been greatly improved.
The B/S architecture platform based on J2EE technology realizes the centralized processing of business data, transaction data and application services. While achieving independence from hardware and software, it effectively solves the problems of data inconsistency, real-time, response timeliness, network structure application restrictions, and terminal user access restrictions, which facilitates system maintenance.
The system platform has a built-in report component, and the data layer and the presentation layer are separated through layer components. After capturing the required data, users can achieve a combination of multiple presentation methods, with integrated reporting tools such as multi-dimensional analysis, custom multi-dimensional reports, statistical analysis of custom fields, and saving custom reports as fixed reports, which is convenient for data retrieval Statistical Analysis.
The comprehensive point function of the system realizes the accumulation of points in different fields and different consumption places, so that cardholders can accumulate points continuously when using the card. Through the gift exchange of points, the cardholder’s card use rate is enhanced and the loyalty of cardholders is improved. While improving the card card rate and transaction volume, it also realizes the integration of resources in different consumer fields in different fields, so that cardholders can enjoy the convenience of the all-in-one card.
Fourth, the development of the city all-in-one card
The Zhongshantong Electronic Toll Collection System project was planned and implemented in accordance with the national “Integrated Circuit (IC) Card Application Technology for Construction Business” (CJ/T166-200X) standards, integrated into the relevant standards of the financial industry, and took the urban all-in-one card application model as a high starting point. , High-standard design, to effectively ensure that the project technology is advanced, safe, open, expandable, compatible, forward-looking, novel, and innovative.
(1) The cross-industry development trend of the city all-in-one card
The initial operation of the urban public transportation card system is generally used in the public transportation industry. With the continuous improvement of the system and the continuous expansion of the scale, with the many advantages of the transportation card, the system will gradually extend to other urban public utilities (water, electricity, Gas, real estate, hospitals, vegetable markets, gas stations, barrier access control, conference sign-in, libraries, campus cards, etc.), forming a trend of cross-industry development.
(2) Trans-regional development trend of the city all-in-one card
With the development of economy, the increasing frequency of social and economic exchanges and cooperation between cities will facilitate the advancement of the process of urban integration, and the realization of inter-city IC card inter-regional interconnection will also help improve the level of urban informatization and improve the travel environment for citizens And payment environment. The “City All-in-One Card” is a development trend. It can not only facilitate the citizens and promote the informatization, scientific and standardization of urban public utility management, but also improve the overall image of the city and has broad development prospects.
Five, M1 card upgrade to CPU card related plans
Since the cracking of the M1 card appeared, although it has not had a practical impact on the user’s use, it is only a matter of time before the universal copying and embezzlement of the M1 card. Once a criminal act using technical loopholes occurs, it will bring serious consequences, not only users, but manufacturers also need to pay attention. As far as the IC card itself is concerned, it is also an inevitable trend to upgrade the M1 card to the CPU card. Using the CPU card is the fundamental way to solve the security vulnerabilities of the Mifare card. The Zhongshantong Electronic Toll Collection System has fully considered supporting CPU cards during system planning and design. In the future, it will fully consider actual application requirements and plan to gradually transition to CPU cards.
6. Future development plan
After more than a year of development, Zhongshantong has realized card payment in supermarkets, parking lots, restaurants, bookstores, pharmacies, scenic spots and other fields, and realized some public utility payment and access control identification functions. The city card has begun to take shape. In the next stage, the application field of Zhongshantong will gradually extend to the non-public transportation field, and the payment services of public services, social services, the Internet and other fields will be included in the city’s all-in-one card payment platform to realize the city’s all-in-one card, and finally connect with the Pearl River Delta rail transit and surrounding areas. The cities are interconnected. It is hoped that the competent authorities of the industry will provide support and assistance to the practical problems encountered in applications such as inter-city interconnection and interoperability in accordance with local conditions.
7. Opinions on the “Measures for the Administration of Payment Services by Non-financial Institutions” and mobile payment
Regarding the “Measures for the Administration of Payment Services for Non-Financial Institutions,” from a long-term perspective, the extension to the financial sector and the convenience of interconnection will be mainstream applications in the future. According to the relevant provisions of the Measures, it is more difficult for small and medium-sized cities to obtain qualifications. It is hoped that the competent authorities of the industry can coordinate with the central bank to allow the existing conditions.
Mobile payment is also called mobile payment. It is a service method that allows mobile users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. After more than half a year of cooperation between Zhongshantong and China Telecom Tianyi mobile phone, it adopts SIMpass dual interface SIM card, supports 13.56MHz as the short-range communication frequency standard, and is fully compatible with ISO/IEC 14443. Realize the organic combination of Zhongshantong electronic wallet and Tianyi mobile phone, allowing users to reflect the convenience and safety of mobile payment. In the next phase, Zhongshantong and China Telecom will step up their investment in projects to develop mobile e-wallet account recharge services using the Internet, mobile phone text messages, etc., to realize mobile payment card and interconnection with surrounding cities.
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