社保卡和盒融卡结合面临的挑战

本文通过比较发卡主体的不同，指出了：社保卡与哪一家银行的金融卡结合是难以合理解决的问题。通过对金融卡的进一步分析，指出了：在目前的模式下发放金融IC卡，会重演磁条卡的无序竞争局面，难以为客户提供差异化的、有吸引力的服务。通过引入新的智能卡COS技术，采用以发卡人为中心的发卡模式，借助于互联网和PKI技术，金融IC卡的功能可以体现为一个智能IC卡应用，由用户（持卡人）决定是否下载使用。本文还进一步描绘了智能IC卡在互联网领域的应用前景。指出了智能IC卡可以作为“网络身份证”，为网络实名制提供有效的技术手段。

The challenge to China financial and social security integrated circuit card

By comparing the issuer of social security card with that of financial IC card, it is a problem for Social Security Office to decide which bank is to be cooperated with. Actually, as for financial magnetic card, it is difficult for Commence Banks to give distinguishing service to their customers if they issues financial IC cards under the current mode. By introducing a new type of smart IC card： webID （ personal web identifier ）, named by the author, a security platform for personal computing evolves. With a webID, the customer becomes the master. He/she decides which application runs on it. He/she will download the favorite applications to the webID at any time, while He/She will remove any boring application from the weblD. The customers could access web sites with the webID. Thanks for PKI technology, the webID and web site could authenticates to each other. The webID is the unique representative for the customer on Internet. Meanwhile, it could exclude the ＂Fishing＂ web sites the customer＇ s view.