First, cooperation Problems
“One card pass” System industry and financial industry has many difference in management and technology. Therefore, it has arose many cooperation ways、technical specifications inconsistently and other issues, the reasons can be summarized as follows:
1.Management System Difference
Financial IC Card managed by People’s Bank of Chinese, it belongs to and control types management mode; “one card pass”system is managed by Ministry of Housing and Rural-Urban Development, which is loose type management mode. It is a little relationship about them. The financial IC Card integrated with public service industry, the development process between them will produce problems such as asynchronism and disharmony during to different management system.
2.Different characteristics of the industry
Financial Institutions put the profit as the primary goal, is an undifferentiated universal payment. “One Card Pass” System put convenience to customer as the target, provide student card、times card etc, they mostly relay on financial subsidies, it have strong regional characteristics and historical evolution. Therefore, the geographical features is obviously in the integration process with strong local characteristics, it didn’t have fixed cooperation mode so it’s not good for two industry integration rapidly.
3. Technical specifications inconsistently
Currently, “One Card Pass” System industry and financial industry have their technical standards and business specifications guide as well as their own key management system. Because the difference of them, they cannot integrated well and directly result in financial IC Card can’t application on “One Card Pass” System with PBOC Standard.
4. Consumption psychology and consumption habits are different
Financial IC Card is the storage carrier of property and belongs to large consumption mode, the time didn’t have limit、it need to signature after consumption. At present, due to the safety of the fund、issue card procedures、and consumption habits etc, the integration with financial IC Card and “One Card Pass” System need to be promoted.
Second,Trend of cooperative application
With the information consumption become the national strategy, every industries cooperative are getting much better. Under the promotion of policy oriented and capital, “One Card Pass” operating company should seize the opportunity to develop new business filed.
From the perspective of industry, public transportation and “One Card Pass” System has social service and social walfare feature. The main purpose is to facilitate people’s daily traffic, which to relief the traffic stress and energy-saving emission reduction function. Profits is not the finally goal in this industry. Therefore, the bank with profit target cannot instead of “One Card Pass”operating company. Financial IC Card with payment fees also cannot completely replace the “One Card Pass”System. Financial IC Card and “One Card Pass”System must cooperation co-exists and mutual benefit in the future.
“One Card Pass” organization should be cooperative with the bank positively. As organization of public service should grasp the admissibility of the environment and improve the technical solutions with unified standards. At the same time, “One Card Pass” organization as the acquirer can knowing the card holder’s bus data which can provide them to government and public Career. Bank(Union Pay) should also agree with the “One Card Pass”organization’s issuing rights、terminal equipment right and the management of precipitation funds in the process of cooperation, to protect the interests of each others. We should make full use of the advantage of cooperation with bank institution which to solve the problems of less recharge site、limit scope of application and other issues. It gradually acceptable by “one card pass” organization issuing cards, which expand the cardholder application range and using convenience, doing big cities "cake" in the field of IC card.
