近日中国人民银行正式发布《中国金融集成电路（IC）卡规范（V3.0）》（以下简称《金融IC卡规范3.0》），其对小额非接支付应用功能加以扩展和完善，支持双币电子现金支付应用，规范了IC卡互联网终端技术要求，丰富了安全算法体系。

The people's bank of China recently issued a formal[China's financial integrated circuit(IC)Card standard(V3.0)](Hereinafter referred to as[Financial IC card standard 3.0]),The small not meet payment application function to expand and improve,Support double coin electronic cash payment application,To standardize the IC card Internet terminal technical requirements,Rich security algorithm system.

　　央行相关负责人介绍，金融IC卡规范版本的升级，适应了银行卡业务发展的新要求，为金融IC卡进一步扩大应用奠定了基础，对推进金融创新和提升金融服务民生的水平有重要意义。

The central bank introduced the relevant person in charge,Financial IC card standard version of the upgrade,To adapt to the new requirements of the development of the bank card business,For financial IC card application further laid a foundation,To promote the financial innovation and improve the financial service level of the people's livelihood has important significance.

　　据业内人士介绍，《金融IC卡规范3.0》鼓励单芯片卡，预计单芯片卡将成为今后金融IC卡的主体。目前已发行的金融IC卡中，大部分为磁条芯片复合卡，这些卡片在刷卡过程中大部分使用磁条介质。这样一来，芯片卡的防伪性、安全性得不到体现。

Introduce according to the personage inside course,[Financial IC card standard 3.0]Encourage single chip card,Is expected to single chip card will be the subject of future financial IC card.At present already issued financial IC card,Most for magnetic stripe chip composite card,These CARDS in most of the credit card process using magnetic stripe medium.so,The chip card and graphs/Safety is not reflected.