1 background
Recently, the Ministry of Human Resources and Social Security and the People's Bank of China jointly announced that the social security card will be loaded with the financial payment function of the bank IC card; the issued social security card will also be gradually renewed as a social security card with financial payment function. The statements of the two government agencies will undoubtedly speed up the promotion of social security cards and financial IC cards, and are good news for both card manufacturers and chip manufacturers. However, the analysis of the issuance and operation of the card, the combination of social security and finance, there will be some fundamental contradictions. How to resolve these contradictions and meet the social security demand for financial payment will pose a challenging topic for the traditional smart IC card operation mode and COS technology.
In order to clarify the problem, we start with the most successful field of smart IC card operation: the field of mobile communications.
2 Mobile communications
The field of mobile communications is the most successful area for smart IC card applications. The success of this field, the author believes that due to two factors: one factor is that operators (such as China Mobile, China Unicom) have a complete wireless network, and this network is the smart IC card, that is, the network operated by SIM / USIM card . The operator built this network and fully owns the network, which can operate SIM/USIM card-based services in this network, such as China Mobile's OTA service. Another factor is that the services provided by mobile networks are huge for users. Appeal. In the late 1990s, and even in the first few years of this century, even if you pay a high amount of access fees, buying expensive mobile phones and SIM cards can not stop users' enthusiasm for mobile phones.
The essence of the SIM/USIM card is the mobile phone user tag, and the user holding the tag can enter the mobile network. At the same time, the issuance of SIM/USIM cards has become a convenient means for mobile communication companies to develop users. When you buy a China Mobile SIM/USIM card, you become a user of China Mobile. In the past decade or so, mobile communication companies have devised their subscriber base and expanded their business by offering or distributing SIM/USIM cards, resulting in huge operational gains.
In short, the issuance of cards is actually a convenient way for operators to “slap the groundâ€. To effectively implement this method, there are two important prerequisites: one is to have a sound operation network; the other is that the services provided by operators are attractive enough for users. If you live in mainland China, what kind of communication company do you have the privilege of being "circled"?
3 Social security field
As in the field of mobile communications, social security cards are first and foremost the identity of the insured. Unlike the SIM/USIM card, the social security card is issued by a non-commercial agency (local level), almost every citizen of the society. Government agencies have two characteristics that are different from those of commercial organizations: one is that it is not for profit, it is for the purpose of providing social public services; the other is that its behavior is mandatory, that is, each insured has to accept social security. card.
Look at the network operated by the social security card. This network is built by the government and is completely controlled by the government. With the expansion of the distribution of social security cards, the social security card network is also expanding and improving. From the perspective of the insured, it must be accepted and free of charge, with no choice. However, since you don't need to spend money, you can bring some convenience to yourself. Why not? In short, from the perspective of the operation network and the insured, there will be no serious obstacles to the issuance and operation of social security cards.
4 Financial payment field
Financial payments are the most important part of our economic life. Participants in this field include commercial banks, corporate names and individuals, large and small. Government agencies, such as the People's Bank of China, are managers in this field, rule-makers, not participants, and real participants are for profit.
Let's look at the financial IC card. Financial IC cards are issued by various commercial banks, not by the state agency: the People's Bank of China. This is fundamentally different from social security cards, similar to SIM/USIM cards in the mobile communications arena. The purpose of issuing cards by commercial banks is to expand the user base, increase the amount of credit card business, and expand profitability. Therefore, for the issuance of financial IC cards, there are competing relationships among hundreds of commercial banks across the country.
Let us look at the combination of social security cards and financial cards. The first problem to be faced with the combination of the two is: which bank's financial card is combined with the financial card; whether it is combined with a state-owned commercial bank, such as "Bank of China", or with a local commercial bank, such as Beijing's social security card and " Beijing Bank" combined, Nanjing social security card and "Nanjing Bank" combined? We know that each citizen has only one social security card, and which bank is “married†with this bank becomes a problem that cannot be reasonably solved. For the time being, we will not talk about the combination of social security cards and financial IC cards. There are also insurmountable obstacles in the issuance of financial IC cards alone.
In fact, the financial IC card management network has been developed over the past decade or more with reference to international standards. The focus of this network is on international versatility, transaction security (including the difficulty of replicating financial IC cards), and reducing communication data. This was in line with social reality in the past. Because everyone feels that it is safer and more convenient to use cash than to use the card; in addition, listening to the advertisement said: One card can travel all over the world, it still sounds very attractive.
Looking at our life today, magnetic stripe card payments are everywhere, and magnetic stripe bank cards have brought these conveniences to us. Now that commercial banks want to issue financial IC cards, as users, we have to ask, what new things can financial IC cards bring to us?
The builders of financial IC card management networks are multi-faceted, with card issuers (eg, UnionPay), commercial banks (acquisition banks), and so on. Multi-party participation in the construction of the network must comply with strict standards and transaction processes, in order to ensure that cards issued by banks and organizations around the world can be safely authorized. Strict standards and transaction processes determine that this network is difficult to provide personalized services for users and merchants, and it is difficult for commercial banks to compete differently. Therefore, it is difficult for small commercial banks to establish themselves in this field. The single and rigid financial card management network brings homogeneous competition among banks. It is also obvious and direct to our users.
We all have this kind of experience. Unconsciously, we have a bank card (magnetic stripe card) in our hands. These cards have debit cards and credit cards. Some are wages sent to you by the bank, and some are voluntarily held in the activities of sending gifts. The scary thing is that most of these cards have to pay an annual fee. If you are not a very organized person, after a period of time, which card has been spent, and which card needs to be repaid, you are completely confused. . What is more serious is that some banks issue credit cards without conducting strict credit checks on their customers, causing many cases of “sub-accounts†and credit card malicious cashouts.
This spring, the People's Bank of China announced that it will not issue magnetic stripe bank cards after 2015, and all new cards will be smart IC cards. The statement of the People's Bank of China, like the spring breeze of financial IC cards, allows all card dealers, as well as smart card chip vendors to see hope. The card world seems to have another chance for the Nuggets. But the author believes that this may be the wishful thinking of the card industry. Commercial banks and users may not be strong.
First of all, the People's Bank of China said that the new card issued after 2015 is a smart IC card, not all magnetic stripe cards in the hands of users. For the time being, banks are also vigorously releasing magnetic stripe cards, including credit cards and debit cards. After all, banks have to take care of immediate interests, while magnetic stripe cards have low cost and mature management systems, which is a low investment and quick effect. Way of profit.
Second, when the 2015 deadline comes, if the smart IC card does not have a new technological breakthrough and does not provide attractive services for users, then the magnetic stripe card will still be favored by users. From the perspective of investment income ratio, banks have not issued card enthusiasm. Due to inertia, users still use magnetic stripe cards in large quantities; the result is: there is not much new card issuance.
Third, assuming that a large number of financial IC cards are issued, the problem of homogenous competition between commercial banks has not been resolved. In order to rob customers, the bank issued cards in a disorderly manner, causing the proliferation of bank cards in the hands of users. This not only caused troubles for users' lives, but also caused waste of social resources, which did not meet the "low-carbon, environmentally-friendly" life philosophy advocated by the moment. Based on the above analysis, in the current operating mode, the financial IC card issuance will not repeat the success of the SIM/USIM card in the mobile communication field.
The 26Inch Kamado Grill is our largest size at present, has the biggest cooking area, is a ideal size for the large family cooking in the courtyard.
We have sold them to the US market, popular in the clients, if you also think it can be a good business in your market, please feel free to contact me.
26Inch Kamado Grill,26Inch Popular Kamado Grill,26Inch Outdoor Kamado Grill,26Inch Ceramic Kamado Grill
Yixing Linchang Technology Co., Ltd. , https://www.kamado-link.com