Local Commercial Bank Card Issuance Center


Local Commercial Bank Card Issuance Center

As the migration to IC cards progresses, an increasing number of regional commercial banks are considering establishing their own card-issuing centers to gain greater control over timeliness and flexibility. As the exclusive distributor of NBS equipment, Silone can provide an integrated card‑issuing center solution that covers everything from card production to personalized card issuance, offering end‑to‑end services including card manufacturing, envelope sealing, and card destruction, along with corresponding services for developing card personalization software and equipment management systems. Silone has amassed extensive project experience in the financial IC card industry, having supplied over a hundred financial IC card personalization devices to ICBC, CCB, and ABC, and continues to collaborate with various regional commercial banks.

Overview of the Plan:

Given that data preparation for city commercial banks is typically handled by UnionPay or the respective city‑commercial bank alliances, the following solution takes the processed data as its starting point. After downloading the data from UnionPay’s data center or the city‑commercial bank alliance’s data center, it is transmitted—via the bank’s internal network or other means—to the card‑issuing device. The data then undergoes key processing and decryption by a cryptographic device before being loaded into the issuing device’s operating‑system memory. Subsequently, it is encrypted into ciphertext using the accompanying secure card‑issuing software, Smartsys, which also controls the card‑issuing process, ensuring that no plaintext ever touches the storage medium throughout the entire card‑production workflow.