"In the domestic financial IC card market with competition, in the second half of this year the domestic chip or enter the key turning point. When successful reversal, by 2017 domestic chip market than is expected to account for less than 5% from now up to 50%, to rewrite the dominance pattern for the chip foreign enterprises, domestic chip manufacturers, including datang microelectronics will have bright prospects." Datang telecom, datang microelectronics technology co., LTD. (hereinafter referred to as "datang microelectronics"), deputy general manager of Wang He media in an interview.
Financial IC card, credible recognition chip
"Integrated innovation, transformation and upgrading to ask the organizer to qualitative pratt &whitney" as the theme, divide the area of financial services and financial technology exhibition, mainly show the financial industry further implement the strategy of innovation driven development, in the service of the real economy, support the economic transformation, pratt &whitney social aspects of achievements and experience of the people's livelihood. Agree with the exhibition theme, a leading domestic security chip makers - datang microelectronics with financial IC card series chips, fingerprint identification solution, etc. The booth is mainly divided into three parts: the smart card security chip, credible recognition security chip and interactive demonstration area.
In the smart card security chip area, datang microelectronics mainly shows the DMT - CBS - CE3D3 double financial IC card security chip interface. This product USES the 32-bit CPU cores, configuration keeprom 48/80 and 320 kbrom, support JAVA platform technology, chip has passed the international EMVCo, the secondary, unionpay card chip safety certification, are to be paid for the financial, public services, public transportation and high security industry value-added services in various fields such customers.
In credible recognition security chip area, the second generation id card fingerprint verification solution. This product USES the independent research and development of datang microelectronics rf chip card reader to the DMT CTSS - CL20, fingerprint algorithm processing chip DMT FAC - CG4Q DMT and capacitive sensors - FS - PB4F, accord with national testing standard of the second generation id card of the fingerprint verification algorithm, embedded high security ARM kernel of MCU, low coupling modular design, can support 192 * 192, 208 * 208 * 288, more than 360 kinds of the size of the sensor. This solution has the secondary, ELA4 +, FIPS, unionpay certification, has the characteristics of low power consumption, low cost, can be in education examination, hotel accommodation, travel, Banks, public transport and other network real-name areas to complete the system validation.
In addition, visitors can experience the interactive demonstration area fingerprint U disk, smart phones, fingerprint identification, the access control solution, and the second generation certificate check terminal (such as desktop, vertical) of newness.
The central bank to push the financial IC card upgrade replacement process
Industry analysis, the huge traditional magnetic stripe CARDS to the demand of financial IC card migration has been fully released, while the application of the domestic financial IC card chip is still in its infancy, but the future with continuous increase of information security awareness, security chip market with larger growth space.
Since 2011, the people's bank of China (hereinafter referred to as "the bank"), and other departments will vigorously promote the process of financial IC card upgrade replacement.
In order to enhance the capacity of information technology (it) safe and controllable, to promote financial IC card of universality, convenience and use quality, November 3, 2014 issued by the central bank "about further do a good job of financial IC card application notice, financial IC card application put forward specific schedule: since January 1, 2016, the issuing bank, the bank card clearing houses such as mobile financial services should be based on financial IC card chip has a card transaction.
Since January 1, 2015, the central bank to start the financial IC card "core" project, to promote our country independent secret algorithm "countries" financial IC card business process.
Released in July 2016, "the people's bank of China notice on further strengthening the risk management of bank card, since May 1, 2017, magnetic stripe composite card's magnetic strip fully closed chips are traded, and require commercial Banks to speed up the stock of the progress of the magnetic stripe card replacement for the financial IC card.
Today, unionpay and domestic Banks basically have completed the financial IC card issuance and acceptance of environmental transformation, in areas such as manufacturing, IC card read and write device have achieved localization, but in the field of core financial IC card chip, domestic bank acceptance for domestic chip is still very low.
In order to promote the development of domestic chip, the ministry of industry and information technology, the people's bank of China, the national development and reform commission, the state password administration and other multilateral organizations and support together to establish a special "national financial IC card test center" and the inspection certification system, promote the pilot application project algorithm, some organizations and research a pilot trial of domestic financial IC card chip.
At present, the financial IC card has unionpay chip card security (including chip and embedded software security) certification and the standard of perfect financial IC card function testing. As of August 2016, a total of 12 chip design companies of 30 kinds of chip products, in line with international standards in accordance with the inspection standards, through the unionpay card chip product safety certification.
In order to further promote domestic financial IC card business, the state financial IC card commercial pilot KaiZhanGuo dense algorithm, gradually expanding the scope of the domestic commercial chip, in preparation for the nationwide large-scale business. In the 2014-2015, secret algorithm for the country's financial IC card commercial pilot issue, on a small scale commercial pilot. In 2016-2017, the algorithm of financial IC card commercial pilot phase ii, covering six big state-owned Banks, some joint-stock Banks, local commercial Banks and rural credit cooperatives.
Financial security pilot demonstration, IC card application requirements of commercial Banks bank card related hardware and software systems, as well as upgrading, POS, ATM machine support SM2/3/4 cryptographic algorithms, such as issuing financial IC card chip ability of scale, support SM2/3/4 cryptographic algorithms such as financial IC card hairpin quantity not less than 50%. Pilot demonstration, online banking security applications require commercial Banks to use the cryptographic algorithms such as support SM2/3/4 of the software and hardware equipment, system transformation, to cooperate with relevant units to implement identity authentication, encryption, message encryption, data encryption, signature attestation, secret key management, and other functions, expanding support SM2/3/4 cryptographic algorithms such as online banking system client application scope.
As one of domestic chip companies, datang telecom, actively participate in the pilot project, and realized the multiple projects: in May 2014, independent research and development support PBOC3.0 countries close algorithm of financial IC card chip in hebi bank realize the first commercial commissioning; In February 2015, the sole support one of the first countries to support interchange secret algorithm financial IC card in changsha bank issues; In February 2016, datang microelectronics exclusive realizes the domestic financial IC chip in China construction bank's starting, for domestic chip further open the domestic bank card market to lay a good foundation. In August 2016, datang microelectronics financial IC card chip and in agricultural bank, China construction bank xiamen branch to realize batch card; Testing work of other state-owned Banks are carried out in close. At present, datang microelectronics has realize the China construction bank, agricultural bank, post office, bank, everbright bank, ping an bank, bank of Beijing, shenzhen bank 60 must level of commercial Banks.
According to introducing, at present the financial IC card mainly includes two major areas of application: bank IC card (commonly known as "card"); Financial industry card (financial, social security card, as well as with the function of financial transactions health card, the card application).
Relevant data show that by the end of the third quarter 2014, our country financial IC card hairpin quantity breakthrough 1 billion, issuing progress obviously accelerated, IC card has become the mainstream of the new bank card products in our country. The unionpay magnetic stripe card stock up to 3.442 billion pieces, to switch to the chip card, the size of the market or will amount to tens of billions of dollars.
Domestic chip manufacturers are difficult the first step
China's bank card market application status? Wang He said that for a long time, foreign manufacturers of financial IC card chip in the domestic market of the market share of 95%, a dominance. Compared with almost monopolized the domestic financial IC card market abroad, chip makers to datang microelectronics, huada electronics, tongfang microelectronics, fudan microelectronics, national technology as a representative of the domestic IC design companies are a difficult first step.
Interview Wang He mentioned many times, in 2016, especially in the second half, time node is the key to the rise of domestic chip manufacturers. In march of this year, datang microelectronics independent research and development of financial IC card security chip implementation in China construction bank "starting" the core, for the domestic chip to further expand the domestic bank card market laid a solid foundation. In the second half of 2016, agricultural bank, the bank of China, post office and other state-owned Banks will also be mass distribution domestic financial IC card chip.
Wang He said, in order to seize this rare opportunity, datang microelectronics years ago on the domestic bank card market layout. On the technological upgrading, datang microelectronics in collaboration with the industrial chain, improve chip manufacturing process, advance 55 nm security chip in the development, production; On the product certification, datang microelectronics actively promote CCEAL4 +, EMVCo, unionpay chip security product certification; On the localization services, in addition to the headquarters in Beijing, the company is in Shanghai, nanjing, shenyang, xi 'an, zhengzhou, changsha, chengdu, chongqing, shenzhen and other places to achieve localization, closer to the end user; In the aspect of marketing strategy, the company actively promote the commercial pilot phase ii, ATM card markets continue to consolidate the industry advantage, further expand the market, paving the way for China's core comprehensive commercial.
It is understood that the current domestic chip business financial IC card in the main industry in the commercial breakthrough unceasingly, and gradually into the standard financial IC card (card) market. Such as datang microelectronics in social security, health, traffic, citizen CARDS and residence permit, and other fields have a breakthrough, which has independent research and development of datang microelectronics security chip embedded in the social security card has been successful in the national 30 Yu Sheng downtown commercial, load the financial function of social security card chip supply more than 200 million pieces.
