Personalized Device Solutions
I. Local Commercial Bank Card Issuance Centers
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 closely with regional commercial banks.
Scheme Overview: Given that data preparation for city commercial banks is typically handled by UnionPay or the respective city‑commercial bank alliances, this scheme 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 equipment. The data undergoes key processing and decryption by a cryptographic device before being loaded into the issuing terminal’s operating system memory. It is then encrypted into ciphertext using the accompanying Smartsys secure card‑issuing software, which subsequently directs the device to issue the cards. Throughout the entire process, no plaintext ever touches the physical card‑issuing hardware.

II. Industry Application Card Issuance Centers (Oil, Telecommunications, Electric Power, Transportation)
Silone has consistently been at the forefront of IC card technology, and various industry‑specific card issuance centers are being established one after another. Since the very beginning of the rise of industry‑specific cards, Silone has been involved in the field of issuing such IC cards, with nearly a decade and a half of experience supplying card personalization equipment. Common industry applications—such as PetroChina and Sinopec fuel cards, State Grid electricity cards, and contactless transit cards used in several cities—all rely on NBS card personalization systems provided by Silone. With extensive expertise in setting up industry‑specific IC card issuance centers and developing tailored application software, Silone is able to offer customers highly professional services.

III. Instant Card Issuance Application
Background: With the widespread adoption of IC cards, bank cards and industry-specific cards are increasingly capable of supporting a broader range of functions, leading to a growing volume of customer‑related personal information that must be stored on these cards. Moreover, much of this information still requires on‑site submission by customers, who expect a seamless, one‑stop card‑issuance process. This places heightened demands on our card‑delivery turnaround times.
Introduction: An instant‑card issuance system allows customers to collect their newly applied card immediately upon application, completing the process in a single visit at the counter. In traditional card‑issuance workflows, newly issued debit cards can often be handed over right away because these cards are pre‑issued and not yet linked to a specific account holder during production. However, for cards that require personal information to be encoded on the card surface or embedded in the chip—such as credit cards or co‑branded resident health cards—it is typically difficult to issue the card instantly.
Instant Card Issuance System Features:
l Meeting customers’ card‑replacement needs: In the event of a lost card, customers can request a replacement at a branch after reporting the loss. Branch staff will verify the customer’s identity and cross‑check the loss‑report information in the backend; if verification is successful, the replacement card will be issued on the spot, allowing the customer to collect the new card immediately. Where conditions permit, it is even possible to issue a replacement card with the same account number.
l Meeting customers’ card‑replacement needs: Magnetic‑stripe cardholders can visit a branch to exchange their cards for new ones with the same account number, replacing their magnetic‑stripe cards with IC cards.
l Meeting customers’ DIY card needs: To add a touch of creativity and artistry to their cards, some customers request that, while staying within the overall card‑face framework, additional DIY elements—such as personal photos, family pictures, or symbols with special meaning—be incorporated alongside the printed design.
l Meets the requirements of industry-specific application cards, such as cards that need to print customer information instantly, or IC cards that will require new applications to be loaded in the future.
