楚天都市报讯 2000年前，IC卡在金融领域以电子钱包等小额支付应用为主，主要 的 标 准 包 括 VISA的 VISACASH、万事达的Mondex、EMV的EMV96等。2000年前后，为了防止日益增长的卡片欺诈和金融支付应用面临的各种挑战，国际卡组织调整了IC卡发展重点，开始在各国大力推广借/贷记卡的 IC卡化，即EMV迁移。

Chutian metropolis daily - 2000 years ago,IC card in the finance field, such as electronic wallet small payment application is given priority to,The main mark must including the VISA VISACASH/The mastercard Mondex/EMV96 etc of EMV.Before and after 2000,In order to prevent the growing card fraud and financial payment application challenges facing,International card organization adjusted the IC development key,Start in the countries to promote the debit/credit card IC card change,Namely EMV migration.

　　在国际EMV迁移和国内银行卡产业蓬勃发展的背景下，在人民银行的积极倡导下，我国也启动了银行卡芯片化计划。为了降低我国外卡收单的风险损失、降低伪卡欺诈率、扩大银行卡应用范围、使国民能更加方便安全的使用银行卡，中国人民银行组织国内各商业银行、中国银联调研国外银行卡芯片化经验，分析我国银行卡发展现状和银行卡芯片化成本，制定了积极应对、审慎实施的指导方针和先标准、后试点，先收单、后发卡的实施策略。

In the international EMV migration and domestic bank card industry under the background of rapid development,The people's bank of the positive initiative,Our country also started the bank card chip change plan.In order to reduce the risk of wild in single loss/Reduce the rate of false card fraud/Expand the bank card application/Let people can more convenient safe use of bank CARDS,The people's bank of China group domestic commercial Banks/China unionpay card chip change research abroad experience,Analyses the current situation of the development of bank CARDS and bank card chip change cost,Made to actively respond to/Prudent implementation guidelines and standards first/Pilot after,The first single/After the implementation of the strategy of hairpin.

　　在EMV96和ISO7816的基础上，结合国内银行需要，人民银行于1997年颁布了《中国的金融集成电路（IC）卡规范V1.0》，业内也称为PBOC1.0规范。

On the basis of EMV96 and ISO7816,Combining the domestic Banks need,The people's bank issued in 1997[China's financial integrated circuit(IC)Card standard V1.0],The industry also known as PBOC1.0 specification.

　　2003年，人民银行牵头组织中国银联和有关商业银行对《中国金融集成电路(IC)卡规范》(1.0)进行了修订，于2005年3月正式颁布实施（业界称该规范为(博客,微博)PBOC2.0规范）。

In 2003,,The lead organization of the people's bank of China unionpay and relevant commercial bank[China's financial integrated circuit(IC)Card standard](1.0)Were revised,In march of 2005 officially promulgated and implemented(The industry says the specification for(blog,Micro bo)PBOC2.0 standard).

　　2007年，为了满足小额、快速支付市场的迫切需求，人民银行再次组织针对中国金融集成电路(IC)卡规范进行增补，完善和丰富了PBOC2.0产品，涵盖了国际上主流金融IC应用，为发卡银行提供更为全面的银行卡业务品种，使银行卡的受理范围能拓展到公交、出租、地铁、高速、超市、加油、报刊、便利店、电影院等快速支付领域。该部分增补规范于2010年4月正式颁布。

In 2007,,In order to meet the small/Fast payment market demand,The people's bank of China's financial organization again in integrated circuit(IC)Card standard supplemented,Improve and enrich the PBOC2.0 products,Covers the international mainstream financial IC application,The issuing bank to provide more comprehensive bank card business varieties,Make bank card acceptance range can be extended to public transport/rent/subway/High speed/supermarket/refueling/newspapers/Convenience store/The cinema and fast payment field.This part of the supplementary specification in April 2010 formally promulgated.

　　目前人民银行已完成了PBOC3.0标准的编制修订工作，预计将很快发布。

At present the people's bank has completed the revision work PBOC3.0 standard is established,Is expected to be released soon.

　　中国人民银行武汉分行

The people's bank of China wuhan branch