The Huada Microelectronics (Beijing Huada Electronics Design Co., Ltd.) CIU9872B series is the core product line of domestically produced high-security dual-interface smart card chips. It is widely used in key national infrastructure fields such as financial payments, digital RMB, electronic certificates, and social security cards. It has passed the highest international security certification, CC EAL6+, and has achieved large-scale commercial application.
The HDSC9872B-01 Java Smart Card is a high-security, high-performance Java card based on the CIU9872B-01 chip. It is specifically designed for smart card environments across a wide range of application scenarios, including payment systems, identity authentication, and IoT systems. Featuring a secure 32-bit ARM core, the card complies with Java Card 3.0.1 and GlobalPlatform standards; it supports both contact (ISO/IEC 7816) and contactless (ISO/IEC 14443 Type A) communication modes, allowing for flexible dual-interface deployment.
Key Technical Features:
Dual-Interface Architecture: Simultaneously supports contact (ISO/IEC 7816) and contactless (ISO/IEC 14443 Type A) communication, enabling dual-mode interaction of card insertion and “tap-to-pay.”
Full Algorithm Support: The Built-in hardware acceleration engine supports Chinese national cryptographic algorithms SM2/SM3/SM4 and international algorithms RSA-2048, AES-128, and ECC-256, meeting both domestic and international standard compliance requirements.
Ultra-low-power consumption design: Contactless transaction current as low as 0.6 mA, more than 50% lower than the industry average, suitable for wearable devices and passive terminals.
Lightning-fast response capability: Contactless power-on response time ≤ 0.1ms, improving device compatibility and user experience.
Multiple interface expansion: Integrated I2C and GPIO interfaces, supporting direct connection with MCUs, sensors, and NFC modules, expanding IoT and smart terminal applications.
High reliability guarantee: Application-level write/erase cycles reach tens of millions (10M+), and data retention time ≥ 25 years, meeting long-term service requirements.
Core Chip Model:
Model
EEPROM Capacity
Filing Status
Application Scenarios
CIU9872B
80K Byte
Registered
Basic Financial IC Cards and Transit Cards
CIU9872B_01
224K Byte
Registered
Digital RMB Hardware Wallets, 3rd Generation Social Security Cards, Electronic Credentials
Access Management Card eGovernment (ID cards, health cards, electronic driver licenses), Electronic Health Card (eHC) National ID(eID) Card Transport Card
Certifications
EMVCo, CC EAL4+
Applications
Access Management, eGovernment (ID, health cards, driver’s licenses, eHealth Card (eHC), National eID, Transport Card、Payment Card、RFID Credit Card
Main Applications
1. Digital RMB Hardware Wallet: Based on the CIU9872B_01 chip, the Bank of China has launched the first domestically developed, financial-grade hardware wallet. It supports offline payments, dual-offline transactions, and multi-currency management, and has already been deployed in pilot programs across numerous cities nationwide.
2. Financial IC Card: Supporting both the UnionPay PBOC 3.0 and EMV dual standards, HDSC9872B-01 Java smart card enables a “one card travels the world” experience—offering comprehensive coverage across domestic UnionPay networks as well as international VISA and Mastercard networks. It is currently utilized by over 20 banks, including the Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and China Guangfa Bank.
3. Third-Generation Social Security Card: Featuring a chip recommended by the Ministry of Human Resources and Social Security, this card is designed to host over 10 government service functions—including medical insurance, pension management, employment services, and identity verification—thereby enabling “multiple uses on a single card” with nationwide interoperability.
4. Electronic Credentials and Digital Identity: The HDSC9872B-01 Java Smart Card is also deployed in applications such as electronic ID cards, digital driver’s licenses, and electronic health cards; leveraging its CC EAL6+ certification, it ensures the secure storage of biometric data and personal privacy information.
5. eSIM and IoT Terminals: Supporting remote card provisioning and profile management, this solution is compatible with a wide range of devices—including smartwatches, CPEs, and industrial gateways—and is interoperable with the networks of over 400 mobile operators worldwide.
Certifications
1. Common Criteria (CC) → CC EAL6+ → One of the highest global security certifications; utilized in high-security scenarios—such as financial IC cards and electronic passports—to ensure a chip’s resilience against both physical and logical attacks.
2. EMVCo → EMV Level 1 & 2 Certification → Supports the contactless standards of major international card schemes (e.g., VISA, UnionPay), ensuring global compatibility across POS terminals and guaranteeing transaction security.
3. National Cryptography Administration of China → Commercial Cryptography Level 2 → Satisfies the security requirements for cryptographic applications within China’s domestic financial system; applicable to government and financial sectors, including bank card issuance and social security cards.
5. China UnionPay → CCRC EAL5+ UnionPay Chip Security Certification → Enhances the security and lifecycle management of chip cards operating within the UnionPay network, facilitating the domestic issuance of dual-brand cards.
6. Beijing National Financial Technology Certification Center → Financial Information Technology Product Assessment Certificate → Achieved through rigorous technical evaluations regarding localization standards; serves as a prerequisite for market entry and a basis for centralized procurement within China’s domestic banking system.
7. FIME (International Testing Body) → LoA Certification (Six Major Card Schemes) → Successfully completed certification processes for the six major international card schemes: VISA, MasterCard, American Express, Discover, JCB, and UnionPay; empowers banks to rapidly expand their operations into overseas markets.
8. Information Center of the Ministry of Human Resources and Social Security → 3rd Generation Social Security Card Chip Registration → Included in the official registry of approved components, authorizing its use for the issuance of social security cards nationwide.
Cases
Domestic Use Cases in China: 1. Bank of China: Premiered a Digital RMB hardware wallet—powered by the CIU9872B_01 chip—during the 2025 CIIE (China International Import Expo), serving over 100,000 domestic and international exhibitors.
2. ICBC and CCB: Undertook the large-scale issuance of dual-branded financial IC cards, with cumulative shipments exceeding 50 million units.
3. Ministry of Human Resources and Social Security: The CIU9872B series was selected as the primary chip for the third-generation Social Security Card, covering over 30 provinces and municipalities nationwide and serving a population of more than 300 million.
4. China Mobile and China Unicom: Integrated the CIU9872B chip into their “Super SIM” cards, converging three key functions: Digital RMB, 5G eSIM, and digital identity.
5. Qinghai Rural Credit Union and Bank of Ningbo: Became pioneers in completing localized upgrades for financial IC cards, achieving a 100% substitution rate using domestically produced chips.
International Use Cases: 1. Obtained certifications from EMVCo and GSMA eSA, enabling support for global card issuance and cross-border payments; the solution has successfully entered markets in the Middle East and Southeast Asia.
2. At the Seamless Middle East 2025 exhibition in Dubai, Huada Electronic demonstrated its electronic credential solutions—centered on the CIU9872B_01 chip—to government clients from the UAE and Saudi Arabia.
3. The chip solution has been deployed in digital identity card projects across multiple African nations, facilitating the digitization of citizen identities and enabling robust anti-counterfeiting authentication.
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