introduction
With the development of science and technology and the changing pace of people's lives, the “no-cash society†is quietly coming to us. Nowadays, the market situation of micro-payment instruments is in a state of contention. In the field of micropayment, the transportation card has the advantages of a large user group, a perfect payment environment, a mature settlement platform, rich management experience, and strong propaganda ability, but still faces some problems, such as PSAM under the symmetric key system. Card management is difficult, and it is difficult to achieve inter-city interconnection. The user's usage habits under current operating mode limit its rapid development and expansion of other applications. This paper discusses the micropayment tools and their development, and analyzes the advantages and disadvantages of using transportation cards as micropayment tools in combination with the status quo of Shanghai public transportation cards.
.jpg)
At present, safe and convenient micropayment has become an indispensable means of payment. Nowadays, the market status of micropayment tools is in a state of contending, such as mobile phone micropayment tools, IC financial cards, online game industry card, postal E card, regional food and beverage cards, and so on. However, the current electronic micropayment instruments have not caused widespread market resonance. The reasons are as follows:
(1) Lack of a wide range of recurrent use groups. Most of the current payment instruments are only used in their related fields. Users must apply corresponding payment tools in different fields, which will lead to the diversion of new users. A wide user base is an important condition for the rapid development of the industry. The lack of user groups will lead to the slow development of the payment instrument.
(2) The cost of the payment environment is too high. For micropayments, the convenience of the payment mechanism is very important. In order to attract more users, various payment instruments must constantly develop their use environment, which will be a huge expenditure that is difficult to recover in a short period of time.
(3) The transaction cost of derivative is too high. The willingness of consumers to adopt and the willingness to participate in the promotion of payment tools is very important, especially when the transaction amount is so small that the proportion of transmission processing costs becomes large, the enthusiasm of the merchants will be greatly affected, and the transaction costs will affect the electronics. The issuance scale and market demand of cash stored value cards.
In the above three aspects, the use of transportation cards for micropayments has advantages that other payment methods cannot match. Taking the Shanghai Public Transport Card as an example, the Shanghai Public Transport Card has issued more than 17 million cards. The acceptance environment is also quite perfect. Currently, it supports rail transit, taxis, ferries, cargo transportation, highway tolls, tourist transportation, parking lots, meters, water and electricity coal utilities, gas stations, long-distance passenger transport, etc. The Shanghai Public Transportation Card has also successfully realized the connection with Changshu Bus, Wuxi Bus and Partial Rental, Suzhou Bus, Hangzhou Partial Rental, Anhui Fuyang Bus, Guangxi Nanning Haibo Rental, Kunshan Bus and other applications, with a large user base and A wide range of use environments. At present, Shanghai Public Transport Card has opened more than 2,000 recharge outlets throughout the city, covering all districts and counties in Shanghai. It can accept the operation of recharge, card refund and balance inquiry, providing convenient services for the public.
The form of the bus card has been extended from traditional standard cards to special-shaped cards such as watch cards, patch cards, pendant cards, and mini cards. At the same time, public transportation cards are also rapidly combined with the form of mobile payment. Diversified forms of use, large user groups, and a comprehensive maintenance network all show that public transportation cards have strong vitality in the field of micropayments.
The main transactions of the public transport business are small transactions with an amount of less than 10 yuan. In the transmission, clearing and system maintenance of small transaction data, the bus industry has formed a good management system and accumulated rich experience in expanding payment. There will be unparalleled advantages on the roads of the field.
At the same time, the small-scale payment of public utilities is born with the dual status of service providers and merchants. Public transportation cards are the carrier of micropayments, and public transportation is the main consumer environment for cardholders. With the continuous investment of the state in the public transportation industry, the public transportation system will be more perfect. At that time, the influence of the public transportation card will be further expanded and become one of the essential items for citizens to travel. In this context, public transportation cards can be promoted and publicized based on their own characteristics, which is conducive to the establishment of public transportation card brands.
The current status of transportation card micropayment:
In the field of micropayment, the transportation card has the advantages of a large user group, a perfect payment environment, a mature settlement platform, rich management experience, and strong propaganda ability, but the transportation card still faces some problems.
1. Most of the traffic cards currently in use are symmetric key systems. In the symmetric key system, the consumption and refill environment must use the write master key PSAM card. At the time of the transaction, the terminal first reads the card number and the like from the card and transmits it to the PSAM card. The PSAM calculates the transaction key of the card using the master key in the card according to the card number and the like to complete various transactions. While ensuring the security of transactions, the PSAM card brings great challenges to market expansion. Adding a merchant means that more PSAM cards need to be written to the master key. As the market expands, the large number of PSAM cards greatly increases the difficulty of PSAM card management and increases the impact of the key system. risks of. On the issue of inter-city connectivity, the existing symmetric key system faces greater challenges. The asymmetric key system can solve the above problem perfectly. The public key used for interaction in the asymmetric key system can be propagated in the open environment. The merchant can ensure the security of the transaction as long as the public key of the card issuer is held.
Shanghai Kesi actively participates in the research of asymmetric key system and has products that support RSA. As the capabilities of the chip increase, chips supporting asymmetric key systems have been able to be used on a large scale in the transportation field. The problem of merchant expansion and urban connectivity can also be solved.
2. Another factor affecting the expansion of transportation card micropayments is the user's usage habits. In the current system, once the card is lost, the remaining money in the card is also lost. In order to avoid excessive losses, the user will not deposit too much amount in the card, and frequent recharge will cause the user to resist the use of the transportation card for small payments.
Faced with this problem, Shanghai Kesi suggested adding some functions to the existing system to protect the rights and interests of users, so as to enhance the user's identity and enthusiasm. For example, if the loss of the user card is lost, the user can report the loss to the business outlet. When the lost card enters the system, the system automatically issues a lock card command to stop the card consumption until the card is successfully unlocked. Add PIN protection, add user PIN in the card, the user can set the card single transaction limit, the transaction exceeding the upper limit amount must be verified by the card user PIN. Once the PIN verification fails, the card will automatically lock the card until the user unlocks with the user PIN or unlocks at the business outlet.
3 Recharge is inconvenient, the performance is less in the recharge outlets, most projects only support cash recharge. We recommend that the bus system be like the Octopus model, which supports bank cards, especially credit card reloading. It is also possible to launch multi-interface traffic cards that support USB and other connected computers to enable online recharge applications.
4 Policy factors, the current use of transportation cards as a means of micropayments is also faced with various policy constraints. The expansion of transportation card applications requires the joint efforts of many people.
Traffic card other applications:
In addition to bus applications and extended micropayment applications, the transportation card can expand campus, enterprise and other group users to provide value-added services such as access control, attendance and sales, increase the loyalty and frequency of traffic card users, and expand profitability. mode.
As a personal device that is becoming more and more popular, mobile phones are widely used and widely used as one of the essential carriers for citizens. With the help of mobile phone platform transportation card, it can realize related operations such as inquiry, recharge, consumption, transfer, payment, etc. Combining transportation card and mobile phone will greatly expand the operation mode of transportation card, expand the use environment of transportation card, and give people life. Convenience.
Shanghai Coase started the research and development of non-contact CPU cards many years ago, and actively participated in the formulation of the COS technical requirements for non-contact CPU cards for construction projects organized by the Ministry of Construction and the development of the "Non-contact micropayment application specifications" of UnionPay. jobs. Chongqing “Changjiang Palm Bank†has been successfully put into commercial use. Shanghai Kesi has provided professional solutions and successfully realized the integration of functions such as transportation, access control, attendance, micropayment and mobile payment. Shanghai Kesi Software Co., Ltd. has been focusing on the design and development of its own intellectual property chip COS and application software. Based on the unique COS design architecture and application implementation model, it strengthens the quality and efficiency of software execution and always pursues the best capacity. More functions and applications are implemented on the chip.
(Text / Shanghai Kesi Software Co., Ltd. Yu Sina)
Kraft Paper Container is an environmentally friendly product because it is degradable. Kraft paper is made of cellulose fibers, which can be broken down in the natural environment and do not pollute the environment. In contrast, many other types of containers, such as plastic containers, take decades or even centuries to degrade. The biodegradability of Kraft paper containers makes them a sustainable option, able to reduce the consumption of natural resources and reduce the need for landfill and incineration. In addition, kraft paper containers can also be recycled, further reducing the impact on the environment. Therefore, choosing a kraft paper container is a manifestation of environmental awareness and helps to protect our planet.
1. Takeaway restaurant: Kraft paper food containers can be used to package takeaway food, such as hamburgers, French fries, fried chicken, etc. It has good thermal insulation properties and can maintain the temperature and taste of food.
2. Cafeteria: Kraft containers can be used for food packaging in the cafeteria to facilitate customers to choose and carry food. It can carry various types of food, such as staples, salads, soups, etc.
3. Fast food restaurants: kraft paper food containers can be used for food packaging in fast food restaurants, such as hot dogs, sandwiches, fried chicken pieces, etc. It has good oil resistance and can prevent food oils from penetrating.
4. Coffee shop: kraft paper food containers can be used to package pastries, breads and other foods in coffee shops. It is breathable and can maintain the freshness and taste of food.
5. Supermarket: kraft paper food containers can be used to package foods such as cooked food and cooked meat in supermarkets. It has good environmental performance and can reduce the use of plastic packaging.
In general, kraft paper food containers are suitable for a variety of scenarios that need to package food, which can maintain the quality of food and reduce the impact on the environment.
Kraft Paper Salad Container,Kraft Paper Salad Bowl,Paper Salad Container,Salad Bowl Kraft
EVER GREEN(ZHEJIANG)NEW MATERIAL CO., LTD / KUNSHAN GREENPACK CO.,LTD , https://www.jiaxingevergreen.com