PBOC3.0 中国金融集成电路（IC）卡规范 v3.0（英文）
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CHINA STANDARDIZATION May/June 2013
China Financial Integrated Circuit (IC)
Card Specifications (PBOC 3.0)
1. Development of China Financial IC
Card Specications
As a financial means of payment
developed with integrated circuit
technologies according to financial
industry standards, financial IC cards
are widely used for consumption credit,
transfer and settlement, cash deposit and
withdrawal, etc. Since its appearance
in France in the mid-1980s, financial IC
card had been gradually applied to social
and economic activities. China started
the development of financial IC cards
relatively early and the People’s Bank of
China (PBC) enacted China Financial
IC Card V1.0 Specification (PBOC 1.0)
and organized the united pilot in 1997.
The promulgation and implementation
of PBOC1.0 indicated the unification of
China’s financial IC cards and laid the
foundation for the construction of national
unied IC card technology system.
To cope with the liability shift of
international EMV, PBC issued the China
Financial IC Card Specification (2005)
(PBOC 2.0) in March 2005. PBOC 2.0
extended the electronic purse/electronic
deposit functions of the PBOC 1.0 to
debit/credit applications, and preliminarily
made clear the application-independent
contactless technical route, providing the
technical solution to the smooth transition
from magnetic strip card to financial
IC card and paving way for preparatory
transformation and acceptance of nance
terminals.
In light of the feedback from pilot
application of financial IC cards in
Ningbo of Zhejiang Province, to further
meet the public requirements for fast
and safe small-amount payments,
PBC enacted and implemented PBOC
2.0 (2010) in May 2010. Completely
in conformity with the original debit/
credit applications, PBOC 2.0 (2010)
demonstrated very practical performance
in support of contactless and low-value
payment applications.
2. Background for Upgrading to
PBOC 3.0
On March 15, 2011, PBC released the
Opinion on Advancing Application of
Financial IC Card (the Opinion for short),
deciding to officially launch the liability
By Technology Department, PBC
Standards Dissection
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