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With the advancement of society and the development of technology, IC cards are favored by all parties due to their safety and convenience. From IC telephone cards to IC social security cards and IC bus cards, various applications of IC cards have developed rapidly, especially in banks that provide the society with fund management and settlement services.
However, in the face of ever-changing social needs, banks often fall into the dilemma of developing a set of business software for an IC card application when providing electronic payment services. The low degree of system modularity results in complex system maintenance and increased costs, which is not conducive to banks. Gain an advantage in market competition. Moreover, most banks have established a relatively complete magnetic card business system. How to effectively combine IC card business and magnetic card business and establish a unified card business system including magnetic cards and IC cards is also a problem that bank card business departments are eager to solve.
Fujian Newland Computer Co., Ltd. has launched the Newland eCash IC card application system based on years of experience in serving the financial industry and extensive market research, which is an integral part of the Newland financial application series of platforms. It is positioned to complete the pre-transaction processing of IC cards, use IC cards that comply with the “China Financial Integrated Circuit (IC) Card Specifications” as user cards, refer to the People’s Bank of China’s IC card pilot specifications, and establish a financial IC card payment service center. , An application platform for IC card applications in multiple industries, with financial cards complying with PBOC specifications as the main application, supporting the issuance of IC cards with multiple application functions, such as: social security cards, driver cards, transportation cards, campus cards, gas cards, etc., convenient Extension of new applications.
System functions
● Pre-service processing
1) Receive IC card real-time transactions at the front desk, and send the account information to the back-end accounting host for account processing after real-time processing.
2) At the end of the day, a batch of files will be formed for the host accounting system to use.
3) All IC cards, terminals and operator numbers used in the management system.
4) At the same time, it is a security authentication center for IC card transactions
● Card management
It is connected to the front-end system via Ethernet to realize management operations such as “Unlocking PIN”, “Unlocking Application Lock”, and “Reporting Loss/Unhooking” of the IC card.
● IC card counter business
IC card counter business refers to the transaction processing that needs to be completed at the bank’s business outlets, including card processing and financial transaction processing.
● POS terminal/self-service terminal business
1) POS terminals are mainly used in various consumer places to receive IC cards for offline consumption;
2) Self-service terminals are mainly used to provide customers with self-service IC card services.
● Key management
System Features
● Rely on SCP, UBP intermediate business platform to build IC card applications;
● Support the three-level key management system of the People’s Bank of China;
● Realize the compatibility of multiple IC card applications:
● Provide comprehensive IC card business processing:
● Safe and reliable key system.
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