一卡通系统在最初是由商业银行率先推出的。各商业银行之间展开了对代理中间业务的竞争,用卡代理一项或两项业务,居民往往并未感到带来方便,有时手上不得不同时持有几张卡,大大影响了居民购卡的积极性。在这种情况下,银行推出的一卡通系统,集存取款、转帐、消费、代理业务于一身,实行卡折合一,卡折都对应同一帐号,卡、折、对 Card system was first introduced by commercial banks. The commercial banks have started to compete for intermediary services. With one or two business cards, residents often do not find it convenient. Sometimes, they have to hold several cards at the same time, which greatly affects residents’ purchasing Card motivation. Under such circumstances, the card issuing system launched by the bank integrates deposit, withdrawal, transfer, consumption and agency services and implements the card discount. The card discount corresponds to the same account, card, discount, and