JR/T 0025.4-2013 English PDF (JR/T0025.4-2013)

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JR/T 0025.4-2013: China financial integrated circuit card specifications. Part 4: Debit/credit application overview
JR/T 0025.4-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE’S REPUBLIC OF CHINA
ICS 35.240.40
A 11
Registration number.
Replacing JR/T 0025.4-2010
China financial integrated circuit card specifications -
Part 4. Debit/credit application overview
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. People’s Bank of China
Table of Contents
Foreword ... 3
Introduction ... 5
1 Scope ... 6
2 Normative references ... 6
3 Terms and definitions ... 7
4 Symbols and abbreviations ... 9
5 Files, data elements, data object list ... 11
5.1 File ... 11
5.2 Data element ... 14
5.3 Data object list ... 14
6 Debit/credit transaction processing flow ... 16
6.1 Functional overview ... 16
6.2 Transaction steps ... 21
7 Security, key and digital certificates ... 92
References ... 93
Foreword
JR/T 0025 “China financial integrated circuit card specifications” is divided into
the following parts.
- Part 1. Electronic purse/electronic deposit application card specification
(abolished);
- Part 2. Electronic purse/electronic deposit application specification
(abolished);
- Part 3. Specification on application independent ICC to terminal interface
requirements;
- Part 4. Debit/credit application overview;
- Part 5. Debit/credit application card specification;
- Part 6. Debit /credit application terminal specification;
- Part 7. Debit/credit application security specifications;
- Part 8. Contactless specification independent of application;
- Part 9. Electronic purse comprehensive application guide (abolished);
- Part 10. Debit/credit card personalization guide;
- Part 11. Contactless integrated circuit card communication specification;
- Part 12. Contactless integrated circuit card payment specification
- Part 13. Low-value payment specifications based on debit/credit
application;
- Part 14. Comprehensive application specification based on contactless
low-value payment application;
- Part 15. Electronic cash dual-currency payment specification;
- Part 16. IC card internet terminal specification;
- Part 17. Enhanced debit/credit application security specification.
This part is part 4 of JR/T 0025.
This part was drafted in accordance with the rules given in GB/T 1.1-2009.
This Part replaces JR/T 0025.4-2010 “China financial integrated circuit card
specifications - Part 4. Debit/credit application overview”.
As compared with JR/T 0025.4-2010, main changes of this part are as follows.
- REVISE the standard foreword;
- DELETE the full description of DDF;
- MODIFY the corrigendum to the text description in the original standard.
This part was proposed by the People's Bank of China.
This part shall be under the jurisdiction of the National Financial
Standardization Technical Committee (SAC/TC 180).
The main drafting organizations of this part. People's Bank of China, Industrial
and Commercial Bank of China, Bank of China, China Construction Bank,
Agricultural Bank of China, Bank of Communications, China Postal Savings
Bank, China UnionPay Co., Ltd., China Financial Electronics Corporation,
Bank Card Testing Center, China Banknote Credit Card Industry Development
Co., Ltd., G and D Information Technology Co., Ltd., VeriFone (China) Information
System Co., Ltd., Fujian LANDI Commercial Equipment Co., Ltd.
The main drafters of this part. Wang Yonghong, Li Xiaofeng, Lu Shuchun, Pan
Runhong, Du Ning, Chen Zedong, Wu Xiaoguang, Li Chunhuan, Liu Zhigang,
Zhang Yongfeng, Tang Qinying, Li Xin, Zhang Dong, Wang Hongjian, Li Yifan,
Yu Qin, Zhou Xinheng, Zhang Bu, Feng Ke, Li Jianfeng, Xiang Qian, Tu
Xiaojun, Qi Dapeng, Chen Zhenyu, Zheng Yuanlong, Nie Shu, Ding Ji, Bai
Xuejing, Li Zida, Shen Zhuoqun, Liu Shiying, Yu Haitao, Weng Xiucheng.
This part replaces the standard previously issued as follows.
- JR/T 0025.4-2005;
- JR/T 0025.4-2010.
Introduction
This part, part 4 of JR/T 0025, forms the debit/credit specification in
conjunction with part 5, part 6, and part 7 of JR/T 0025.
This part provides a technical overview of the processing between the card
and the terminal, to understand the steps involved in this processing and in the
debit/credit transaction process.
The purpose of this part is.
- To help banks and suppliers understand the changes that the IC card
brings to the debit/credit payment service, especially in dealing with
processing between the IC card and the terminal;
- To propose a minimum requirement for a chip card-based debit/credit
project;
- To identify the options with that the banks and suppliers can implement to
meet market needs;
- To define the implementation of optional JR/T 0025 features;
- To provide a technical overview of the processing between the card and
the terminal, to understand the steps involved in this processing and in the
debit/credit transaction process.
China financial integrated circuit card specifications -
Part 4. Debit/credit application overview
1 Scope
This part of JR/T 0025 mainly describes the technical overview of the
processing between debit/credit application cards and terminals, and proposes
the minimum requirements for debit/credit items based on IC cards.
This part applies to financial debit/credit card issued or accepted by the bank.
The objective user is mainly the card design, manufacture, management,
issuance and acceptance, application system research, development,
integration and maintenance, and other departments (units) related to the
application of the financial IC card.
2 Normative references
The following files are essential to the application of this file. For the dated files,
only the versions with the dates indicated are applicable to this file; for the
undated files, only the latest version (including all the amendments) are
applicable to this file.
GB/T 16649.4 Identification cards - Integrated circuit cards - Part 4.
Organization, security and commands for interchange (GB/T 16649.4-2010,
ISO/IEC 7816-4.2005, IDT)
GB/T 16649.5 Identification card - Integrated circuit(s) cards with contacts -
Part 5. National numbering system and registration procedure for
application identifiers (ISO/IEC 7816-5.1994, NEQ)
JR/T 0025.5 China financial integrated circuit card specifications - Part 5.
Debit/credit application card specification
JR/T 0025.6 China financial integrated circuit card specifications - Part 6.
Debit/credit application terminal specification
JR/T 0025.7 China financial integrated circuit card specifications - Part 7.
Debit/credit application security specification
JR/T 0025.17 China financial integrated circuit card specifications - Part 17.
Enhanced debit/credit application security specification
3 Terms and definitions
The following terms and definitions apply to this file.
3.1
Application
Application protocols and related data sets between cards and terminals.
3.2
Command
A message sent by the terminal to the IC card that initiates an operation or
requests a response.
3.3
Cryptogram
Encryption results.
3.4
Financial transaction
Information exchange, clearing and settlement of funds between
cardholders, issuers, merchants and acquirers due to the exchange of
goods or services between cardholders and merchants.
3.5
Integrated circuit (IC)
Electronic devices with processing and/or storage capabilities.
3.6
Integrated circuit (s) card (IC)
The card internally encapsulated one or more integrated circuits for
processing and storage functions.
3.7
Interface device
The part of the terminal where the IC card is inserted, including the
mechanical and electrical parts.
3.8
Issuer action code
The action selected by the issuer in accordance with the TVR contents.
3.9
Magstripe
Strips containing magnetically encoded information.
3.10
Payment system environment
The set of logical conditions established in the IC card when a payment
system application compliant with JR/T 0025 is selected.
3.11
Response
The message returned to the terminal after the IC card finishes the
processing of the received command message.
3.12
Script
The commands or sequence of commands sent by the issuer to the
terminal, to consecutively enter commands into the IC card.
3.13
Terminal
The device installed at the transaction point, used in conjunction with the IC
card to complete the financial transaction. It shall include interface devices
as well as other components and interfaces (such as communications with
the host computer).
3.14
Terminal action code
The action taken by the acquirer based on the content of the TVR.
4 Symbols and abbreviations
The following symbols and abbreviations apply to this file.
AAC. Application Authentication Cryptogram
AC. Application Cryptogram
ADA. Application Default Action
ADF. Application Definition File
AEF. Application Elementary File
AFL. Application File Locator
AID. Application Identifier
AIP. Application Interchange Profile
ARPC. Authorization Response Cryptogram
ARQC. Authorization Request Cryptogram
ATC. Application Transaction Counter
ATM. Automated Teller Machine
AUC. Application Usage Control
BER. Basic Encoding Rules
CAM. Card Authentication Method
CDA. Combined Dynamic Data Authentication/Application Cryptogram
Generation (Combined DDA / AC Generation)
CDOL. Card Risk Management Data Object List
CID. Cryptographic Information Data
cn. Compressed Numeric
CVM. Cardholder Verification Method
CVR. Card Verification Results
DDA. Dynamic Data Authentication
DDF. Directory Definition File
DDOL. Dynamic Data Authentication Data Object List
DF. Dedicated File
DIR. Directory
DOL. Data Object List
EF. Elementary File
EMV. Europay, MasterCard and VISA
FCI. File Control Information
GPO. Get Proce...