2013年2月，中国人民银行发布了《中国金融集成电路（IC）卡规范（V3.0）》（以下简称PBOC3.0），PBOC3.0是在中国人民银行2005年颁布的《中国金融集成电路(IC)卡规范（2.0）》（以下简称PBOC2.0）基础上，经业内专家多次研讨并不断修订、补充完善而成，此次升级适应了银行卡业务发展的新要求，为金融IC卡进一步扩大应用奠定了基础，对推进金融创新和提升金融服务民生的水平有重要意义-February 2013, the People s Bank of China issued the "China financial integrated circuit (IC) card specification (V3.0)" (hereinafter referred to as PBOC3.0), PBOC3.0 a "Chinese financial enacted in 2005, People s Bank of China Integrated circuit (IC) card specification (2.0) "(hereinafter referred to as PBOC2.0), based on discussions by industry experts and have been amended several times, supplement and perfect made ​ ​ to adapt to the new requirements of the upgrade business development bank cards, financial IC card further expand the application foundation for promoting financial innovation and enhance the level of financial services are important to people s livelihood