IC card is short for integrated circuit card, also known as smart card and chip card. An IC card is made by embedding a special integrated circuit chip in a PVC plastic substrate conforming to ISO standards and packaging it into a card form with a shape and a magnetic disk type. At present, according to different standards of international organizations, it is divided into financial IC cards that meet PBOC standards and EMV standards. At present, the Bank of China mainly issues financial IC cards that meet PBOC2. standards and are loaded with chips, including debit and credit applications and electronic cash applications.

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