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1. Overview of the City Card
my country’s e-government construction has roughly gone through three stages: the first stage is based on “government office automation”, introducing information terminals, desktops and other equipment into government functional departments, and conditionally establishing internal networks of some departments; The second stage is based on the “Three Funds” project and the government Internet project as the main performance, the establishment of the preliminary scale of the e-government system; the third stage is to enhance the function of facilities, improve the content of services, and build the application environment as the core goals. And successively established large-scale and specialized government service network systems such as digital cities and digital information harbors. At the same time, some new technologies and new products have participated in the wave of informatization transformation of e-government, such as automatic identification technology and contactless smart cards. Due to the promotion of a large number of new technologies and new products, some cities in China have established or are under construction. The system provides a lot of valuable experience for the development of domestic e-government affairs.
The urban all-in-one card system is a system project established on the basis of automatic identification technology and radio frequency cards to provide convenience for the lives of urban residents. It reflects the characteristics of one card with multiple uses and all-in-one cards. At the same time, it must follow the overall plan, step-by-step implementation, and standardization. , Efficiency, openness, reliability and other principles, it can achieve functions including: medical insurance, social insurance, public transportation, payment of telephone bills, financial consumption, water and electricity and other public utility charges, which are closely related to the lives of ordinary people. Alternative cash functions And the aspect of the information carrier. In the construction process of the urban all-in-one card system project, the overall planning can be implemented step by step. The functions that need to be implemented in the future are planned as a whole. Separately developed and opened for use successively, which can ensure the standardization and reliability of system implementation, reduce the risk of system implementation, reduce human, material, and financial investment, and increase the benefits of the urban all-in-one card system to bring convenience to the people. Improve the service quality and image of government functional departments.
2. Introduction to Radio Frequency Technology
The construction of the city card system requires the use of automatic identification technology and non-contact card technology. Currently widely used automatic identification technologies mainly include camera, barcode, magnetic card, IC, radio frequency, etc. These identification technologies have their own advantages and disadvantages and are suitable for application. On occasions, there is another product that combines radio frequency technology and IC card technology, namely non-contact card technology, which uses the non-contact characteristics of radio frequency identification to ordinary IC cards to realize the non-contact reading and writing operations of IC cards. This technology combines many advantages such as radio frequency identification technology and IC card security features, and at the same time solves some of their respective technical shortcomings, becoming the first choice for information carriers used in the city card. Radio frequency IC cards include non-contact memory cards, non-contact CPU cards and dual-interface CPU cards, electronic tags, etc. Non-contact and dual-interface cards generally follow the ISO14443 protocol, and their communication protocol uses typeA or typeB. TypeA is more widely used than typeB. Labels follow ISO14443 or ISO15693 and other protocols, and generally depend on the reading distance. Electronic labels have the characteristics of low price, flexible production and printing, diverse shapes and materials, wide applications, advanced technology, and long reading and writing distances. They will gradually become the darling of the market.
Beijing G+D Smart Card System Co., Ltd. also has a lot of very successful experience in the construction of the urban all-in-one card system. The following is an introduction to the construction of the urban all-in-one card system in Guilin, Guangxi. The wave of information technology is affecting the business operations of all walks of life. As a new service method, the city card system can not only help Guilin continue to maintain an advantage in the construction of an informatized tourist city, but it can also help Guilin expand its service scope and obtain Based on the above considerations, not only domestic customers, but even international customers, to improve the overall competitiveness of the city, the Guilin Municipal Government took the lead in launching the city all-in-one card system based on the principle of overall planning and step-by-step implementation.
3. Overview of Guilin City Card
The Guilin City Card System makes full use of dual interface card technology and combines it with information technology. The standard, simplicity, and connectivity of electronic payment are combined with the core electronic payment process, customer information database, and industry information management to form a new The payment and management model improves the efficiency of payment, sends information, provides comprehensive customer service capabilities, and deepens the relationship with customers. In order to meet the needs of the construction and development of an informatized city in Guilin, the Guilin Municipal Government has launched or will launch financial cards and non-financial card systems for the current financial industry, medical insurance, public transportation, tourism and other industries in Guilin City, which lack unified standards and business operations. Regarding the current situation that the magnetic cards, all-in-one cards, and non-contact card systems issued by various industries are not compatible with each other, the overall goal of “one card in hand, universal in the city” has been formulated.
The Guilin City Card System requires coverage of social insurance, public transportation, tourism, public utilities and other payment-related industries. For this reason, the Guilin City Government organized the establishment of Guilin City Card Co., Ltd. to be responsible for the operation of the entire system. To achieve this goal, our company designed the following business process module structure (see Figure 1).
4. Detailed description of the Guilin City Card System
The Guilin City Card System uses a joint-stock company invested and established by each member unit as the data exchange center, and each member bank and member unit is a joint card issuing institution. With the help of the bank network system, it realizes a cross-industry comprehensive application that connects all public utilities under its jurisdiction. Business processing system. The system will eventually provide customers with one-stop services for the issuance, transaction and settlement of Guilin’s public all-in-one card. The first phase will realize the functions of medical insurance, public transportation and financial transactions. The second phase will realize tourism consumption and public utility charges. The first phase will be adopted. Dual-interface CPU cards, the second phase will likely use non-contact CPU cards based on the ISO14443-typeB protocol and electronic label products based on the ISO15693 protocol.
The Guilin City Card System (Phase I Project) is mainly composed of bank transaction payment system, fund settlement and settlement system, data exchange center, industry information management system, and external network system. Each subsystem is interconnected with the data exchange center through FR, DDN or X.25 backbone network and PSTN telephone network to form a complete urban all-in-one card system.
4.1 Data Exchange Center
The data exchange center is the core part of the entire system. It is responsible for the information exchange and information sharing between the member bank’s business processing system and the member unit’s information management system. It is the core of the city all-in-one card system. The data exchange center communicates with the front-end transaction payment system through the front-end computer management system, completes the preprocessing of the transaction, and forwards it to different system networks according to the type of transaction; completes the connection with the banking business processing system network through the member bank front-end management system Communication; through the front-end computer management system of the member units to complete the business management system communication of various industries; through the external network front-end computer to complete the communication with the international financial network, the domestic gold card project and other external networks. For data exchange, establish a unified and standardized key management system in accordance with the regulations of the Ministry of Construction on the key management system to realize the universality of the all-in-one card across industries, systems, and platforms.
Figure 1: Structure of Guilin City Card System
Although the data exchange center is one of the components of the overall framework of the city’s all-in-one card payment and settlement system, it is not a payment system in the strict sense, and it has no fund settlement capability. Instead, it submits the settlement data in batches to the member banks after the day is closed. The member banks implement net settlement and complete the final payment. The data exchange center also has functions such as bank reconciliation, data sorting, information analysis, Internet customer service, and providing all-in-one card transaction information for the business management system of each member unit.
4.2 Member Bank Business Processing System
The member bank business processing system is divided into two parts: the transaction payment system and the fund settlement center. The system is directly connected to the data exchange center, and participates in the transaction processing and clearing of the cross-bank and cross-system of the exchange network.
Front-end electronic trading
The front end of the one-card transaction refers to the card-using environment of special merchants such as bank branches and member units. It provides cardholders with card issuance, transfer, transfer, cash withdrawal, transfer, inquiry, merchant consumption, and bills. Print, change password, unlock password, report loss, unlock, cancel account, activate card, apply for all-in-one card, card management and other financial transactions and special non-financial transaction functions for medical insurance, public transportation, public transportation and other industries.
Background business processing
Each member bank sets up front-end computers and a certain number of dial-in networks to monitor and forward transactions such as city card issuance, consumption, and recharge in real time, and collect and forward all-in-one card business data in batches. And every day the transaction data is transmitted to the host system for accounting processing and fund settlement.
Fund Settlement Center
The member bank settlement center is the main body of the city’s all-in-one card payment and settlement system, which is mainly divided into two types of payment and settlement methods: real-time large-value payment by transaction and non-real-time small batch payment. For card transactions processed by the data exchange center, the online processing of larger payment systems is more real-time; and in terms of settlement methods, the data exchange center, as a customer of the member bank’s settlement center, will be in the form of electronic, paper or magnetic media after the transaction day is closed. The settlement data is submitted to the member bank settlement center, and the member bank settlement center initiates settlement from top to bottom, using a day-end net settlement method similar to the micropayment system.
4.3 Member unit (resource side) business processing system
The member unit business processing system is divided into two parts: the front-end transaction system and the back-end management system.
Front Office Trading System
The business counters of each member unit (such as card issuing outlets, buses, designated medical units, etc.) are places to provide customers with card transaction services. Real-time control of each transaction information using the city card, complete the record of the transaction, and upload it to the data exchange center in batch processing at the end of the day. In addition, it also accepts the download of the blacklist, so as to realize the control of the transaction process. All card issuing outlets enter the data exchange center through a dedicated line or telephone line, and the data exchange center sorts out the types of transactions (financial transactions and non-financial transactions), and settles funds through the bank.
Backstage management system
The system is mainly responsible for managing the all-in-one card business issued by the institution, real-time query, statistics and printing of card issuance data information, track each transaction record, generate settlement data, release management information, outlet setting information and number to affiliated institutions, and supervise and manage the operation of subordinate institutions Circumstances, and form various business management reports to provide decision-making.
4.4 Card Issuing Center System
Card Issuing System
The function of the card issuing system is mainly to complete the establishment of user card and PSAM card file structure and the import of keys. The card issuance system should be a card issuance system for member institutions that meets the application specifications of the relevant fields with a multi-level management system for IC card keys. The specific content includes: primary issuance of PSAM card, secondary issuance of PSAM card and activation of PSAM card, and issuance and activation of user card.
Key Management System
The key management system was originally established by the People’s Bank of China to solve the security of financial transactions and complete cross-bank transactions in different places. The main function is to support the generation, export and injection of the IC card joint pilot key on the basis of fully ensuring the security of the key. , Backup, restore, update, service and other functions to realize the security management of keys.
5. Concluding remarks
In the first phase of the Guilin City Card System, a dual-interface CPU card is used. The contact part of the card is used to establish the file structure and import the key during the card issuance stage, and transaction security is required at bank branches, loading equipment, designated medical institutions, etc. Consumer points with higher transaction speed use the contact part of the card to complete the transaction processing, while in the public transportation ticketing system, the non-contact part of the card is used to read and write the information in the card through the on-board radio frequency card reader to complete the transaction processing process, radio frequency identification The characteristics of fast transaction speed and long reading and writing distance of the technology have played a great role in the charging system of public utilities and tourist attractions, so as to add more functions to the Guilin City Card, and realize the goal of one card with multiple uses and one card use.
Please contact for detailed plan
G+D China
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：010-65630630
Phone: 010-65630999
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