银行卡“换芯潮”来临

Bank card"In core tide"coming

　　新快报讯记者 张潇 报道 按照两年前出台的《中国人民银行关于推进金融IC卡应用工作的意见》时间表，从今年1月1日起，全国性商业银行应开始发行金融IC卡（也称芯片卡），2015年全面取代现行的磁条卡。面对即将到来的“换芯潮”，包括ATM等在内的自助设备能否支持芯片卡使用，成为消费者最关注的话题。日前，记者从浦发银行(600000,股吧)获悉，其已完成了全行现金类自助设备（包括ATM取款机、CRS存取款一体机）的金融IC卡受理改造。浦发银行也成为了业内首家全面支持金融IC卡接触式、非接触式受理的银行。

New express (reporter ZhangXiao reports issued in accordance with the two years ago[The people's bank of China to promote financial IC card application about the opinions of the work]schedule,From January 1,National commercial Banks should start issuing financial IC card(Also called chip card),2015 fully replace the current magnetic stripe card.In the face of the upcoming"In core tide",Including ATM, self-service equipment can support chip card use,Most consumers become an issue of concern.a,Reporters from Shanghai pudong development bank(600000,guba)learn,The son has completed the cash kind of self-service equipment(Including ATM/CRS different multifunction)Financial IC card accepts the transformation.Shanghai pudong development bank also became the first to fully support financial IC card contact/Non-contact accepts the bank.

　　据记者了解，这次升级后，浦发银行所有现金类自助设备均可受理本行或他行发行的金融IC卡，客户可在浦发银行自助设备完成现有的标准金融服务外，还支持电子现金账户的余额和明细查询。同时对浦发银行发行的IC卡还支持通过本卡借贷记账户、其他银行卡、现金等多种方式向IC卡内的电子现金账户充值，更好的满足客户在支持银联“QuickPass 闪付”的非接触式支付终端上便捷支付的需要。同时浦发银行的自助设备读卡槽还支持金融IC卡与磁条卡的兼容受理，对于芯片/磁条复合卡，如果芯片感应发生异常时，更可自动作为磁条卡进行处理。

According to reporter understanding,After the upgrade,Shanghai pudong development bank all cash kind of self-service equipment all can accept the bank or he did issue of financial IC card,Customers can be in Shanghai pudong development bank self-service equipment to finish the existing standard outside financial services,Also support the electronic cash account balance and the detailed query.At the same time to Shanghai pudong development bank issue of the IC card also support through this card lending remember account/Other bank card/Cash and so on the many kinds of methods to within the IC card electronic cash account replenishing,To better meet customer support unionpay"QuickPass flash pay"The contactless payment terminal is convenient payment needs.At the same time, Shanghai pudong development bank self-service equipment read card slot also support the financial IC card and magnetic stripe card compatible accepted,For chip/magnetic stripe composite card,If chip induction when an exception occurs,Can be more as a magnetic stripe card for processing.

　　业内人士告诉记者，目前金融IC卡分为接触式与非接触式两种。接触式金融IC卡，可通过插入受理终端的读卡槽实现在ATM、CRS上使用。非接触式金融IC卡，卡面上有银联“QuickPass 闪付”标识，用户可在所有印有“QuickPass 闪付”的pos机、自助售货机等支付终端上通过IC卡感应后进行消费，一般来说，单笔金额不超过1000元，无需签名和输入密码。

The personage inside course of study tells a reporter,At present financial IC card is divided into contact and non-contact two.Contact financial IC card,But through the insert accepts the terminal reading card slot to realize in the ATM/Use the CRS.Non-contact financial IC card,The KaMian has a union pay"QuickPass flash pay"identification,The user can carry at all"QuickPass flash pay"Of pos machine/The vending machine and self-help pay terminal through the IC card induction after consumption,Generally speaking,Single amount not more than 1000 yuan,No signature and password.