本文選題：EMV + 遷移標(biāo)準(zhǔn)�。� 參考：《湖北工業(yè)大學(xué)》2017年碩士論文

【摘要】：EMV遷移可以稱(chēng)得上是最近幾年間全世界銀行業(yè)最重大的一個(gè)工程。伴隨其落實(shí)范疇的不斷增加,一直以來(lái)阻礙銀行發(fā)展的高科技犯罪終于有了克制的法寶,EMV標(biāo)準(zhǔn)被稱(chēng)之為消滅金融犯罪的一個(gè)利器。通過(guò)芯片卡和密碼結(jié)合的一種雙重保護(hù)技術(shù),也是銀行卡以后發(fā)展的主要趨勢(shì)。EMV規(guī)范是通過(guò)Europay、MasterCard、VISA三個(gè)國(guó)際銀行卡單位一同編制的IC卡的金融支付標(biāo)準(zhǔn)。隨著技術(shù)發(fā)展EMV標(biāo)準(zhǔn)的不斷健全,傳統(tǒng)的磁條卡向IC卡的轉(zhuǎn)變已經(jīng)是大勢(shì)所趨。本文在查閱大量文獻(xiàn)的基礎(chǔ)上,從EMV遷移標(biāo)準(zhǔn)的概述、實(shí)施金融IC卡的環(huán)境分析、并以寧波金融IC卡遷移為例進(jìn)行分析以及我國(guó)金融IC卡遷移存在的問(wèn)題及原因等方面進(jìn)行闡述,并提出了金融IC卡在支付領(lǐng)域應(yīng)用的相關(guān)對(duì)策。主要內(nèi)容如下:首先,介紹研究背景、意義和相關(guān)理論基礎(chǔ)。闡述EMV遷移的研究背景和意義,通過(guò)參閱國(guó)內(nèi)外對(duì)EMV遷移的研究現(xiàn)狀,確定了研究?jī)?nèi)容。其次,對(duì)EMV遷移和金融IC卡遷移的概念進(jìn)行了介紹,區(qū)別了他們之間關(guān)系,并與傳統(tǒng)銀行卡比較,突出其產(chǎn)品本身優(yōu)勢(shì),為本文的研究鋪墊了堅(jiān)實(shí)的理論基礎(chǔ)。同時(shí)通過(guò)PEST和SWOT進(jìn)行我國(guó)金融IC卡遷移環(huán)境分析,找出存在的問(wèn)題。再次,先分析我國(guó)金融IC卡遷移存在的問(wèn)題,并以寧波金融IC卡遷移案例進(jìn)行分析,從面到點(diǎn),從理論到實(shí)際試點(diǎn)為實(shí)施對(duì)策提供參考。最后,根據(jù)上述問(wèn)題,提出我國(guó)金融IC卡遷移的實(shí)施對(duì)策。為我國(guó)正在進(jìn)行中的金融IC遷移工作提供具有價(jià)值的參考,對(duì)促進(jìn)中國(guó)銀行卡的產(chǎn)業(yè)升級(jí)和可持續(xù)發(fā)展有著積極的推動(dòng)作用。
[Abstract]:EMV migration is arguably the world's biggest banking project in recent years. With the increasing scope of its implementation, the high-tech crime which has been hampering the development of banks has finally had a magic weapon of restraint, EMV standard, which is called a weapon to eliminate financial crime. A dual protection technology combined with chip card and cipher is also the main trend in the future development of bank card. EMV standard is the financial payment standard of IC card compiled by three international bank card units Europayer MasterCard visa. With the technical development of EMV standard, the traditional magnetic stripe card to IC card is the trend of the times. On the basis of consulting a lot of literature, this paper carries out the environmental analysis of financial IC card from the overview of EMV migration standard. Taking Ningbo financial IC card migration as an example, the problems and causes of financial IC card migration in China are discussed, and the relevant countermeasures for the application of financial IC card in the field of payment are put forward. The main contents are as follows: firstly, the research background, significance and relevant theoretical basis are introduced. This paper expounds the background and significance of EMV migration, and determines the research content by referring to the current research situation of EMV migration at home and abroad. Secondly, the concepts of EMV migration and financial IC card transfer are introduced, and the relationship between EMV migration and financial IC card transfer is distinguished, and compared with the traditional bank card, the advantages of the products themselves are highlighted, which lays a solid theoretical foundation for the research of this paper. At the same time, through pest and SWOT to analyze the migration environment of financial IC card in China, to find out the existing problems. Thirdly, this paper analyzes the problems existing in the transfer of financial IC card in our country, and analyzes the case of transfer of financial IC card in Ningbo, from surface to point, from theory to practice to provide a reference for the implementation of the countermeasures. Finally, according to the above problems, put forward the implementation of financial IC card migration countermeasures. It provides a valuable reference for the ongoing transfer of financial IC in China, and plays a positive role in promoting the upgrading and sustainable development of banking card industry in China.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.2

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