From Standards to Implementation: Multi-Application Financial IC Card Platform Design, Key Management, and Industry Application Deployment in China
Keywords:
Financial IC Card, Multi Applications, POS TerminalAbstract
China’s financial IC card has evolved from a secure payment instrument into a multi-application carrier for public services, yet fragmentation in card specifications, key systems, and terminal standards has limited cross-industry and cross-regional interoperability. This article synthesizes and systematizes technical designs from a provincial-scale implementation, covering application card specification design, industry key management systems, POS terminal docking specifications, cross-industry financial IC card platform architecture, and typical industry applications including metro, bus, traffic enforcement, and SE-based mobile banking. By integrating specification-level design with platform and application implementation, the article provides a reproducible blueprint for constructing open, secure, and shareable multi-application financial IC card ecosystems aligned with national standards (PBOC, financial mobile payment standards) and GlobalPlatform-compliant TSM architectures.
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