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社保卡将全面对接互联网大数据 构筑“用卡轨迹图”

2017-06-02 09:57:37   经济参考报

《经济参考报》记者了解到,年内人力资源和社会保障部将联合人民银行开展试点,在部分地区发放第三代社保卡,主要是增加“一晃而过”的非接触功能,届时,社保卡的功能更加强大,应用场景更加广泛。同时,传统以线下应用为主的社保卡将对接互联网和大数据。未来,随着越来越多地区的社保卡搭载民政、卫生计生、公积金、涉农补贴等服务事项,社保卡将实现一卡多用。

我国第一张社保卡是1999年在上海发出的,目前社保卡已覆盖全国超过72%人口,发卡数超过10亿张。其中,约八成为加载金融功能的第二代社保卡,也有部分地区因为发卡时间较早等原因,居民仍持有第一代社保卡。据了解,人社部今年将保持社保卡发行进度,年底实现全国社保卡持卡人数达到10.5亿人,同时进一步提高社保卡启用率和银行账户激活率。

据了解,第二代社保卡在第一代社保卡的基础上进行了功能完善,不仅可代替原社保卡的功能进行医疗保险费用的刷卡结算,并且具有普通银行卡的金融应用功能。第二代社保卡存有持卡人姓名、照片、社保卡号等基本信息,具有信息记录、信息查询、业务办理等基本功能。是持卡人享有社会保障和公共就业服务权益的电子凭证。

人社部于2014年发布了人社领域102项用卡目录,比如就业登记、参保登记、个人自主社保缴费、养老金、失业金领取、就医购药结算等,目前全国平均已开通了80%的服务,用卡目录预计今年底将全部开通。具体而言,截至2016年底,21个省份和新疆兵团已开通80项以上的目录,其中山西、江苏、安徽、福建、湖北、湖南、广东7个省份已开通全部应用目录;山东、河南、浙江、四川、陕西、河北、新疆7个省份已开通95项以上的应用目录。

在此基础上,年内试点发放的第三代社保卡将加载“非接触”功能,相比第二代社保卡,通过这一技术改进,可以大大方便持卡人用卡,拓展应用场景。同时,传统以线下应用为主的社保卡还将与互联网和大数据深度融合,通过搭建社保卡线上服务平台,对接更多的社会服务渠道。

试点城市武汉市社保部门相关负责人表示,未来市民持第三代社保卡可办理各类政务业务,还可乘坐公交车、地铁,租借公共自行车,借阅图书,在超市进行小额支付。另一试点城市成都市预计两年内为全市参保人员全部免费换卡,同时建立“成都市人社数据开放服务平台”,第一批基于互联网的应用产品如“在成都”市民融合服务平台、人社APP、微信等将向社会发布并投入使用。参保人员可以经实名制认证后实现绑卡、查询信息、社保卡挂失、医院挂号、医保移动支付等功能。

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