JR/T 0025.14-2013China financial integrated circuit card specifications. Part 14: Comprehensive application specification based on contactless low-value payment application (English PDF)

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 14 of JR/T 0025.

This part was drafted in accordance with the rules given in GB/T 1.1-2009.

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, Shanghai Pudong

Development Bank, China Postal Savings Bank, China UnionPay Co., Ltd.,

China Financial Electronics Co., Ltd., Bank Card Testing Center, Banknote

Credit Card Industry Development Co., Ltd., G&D (China) Information

Technology Co., Ltd., VeriFone (China) Information System Co., Ltd., Fujian

Liandi Commercial Equipment Co., Ltd.

Introduction

This part, part 14 of JR/T 0025, together with part 4, part 5, part 6, part 7, part

12 and part 13, form the debit/credit low-value payment comprehensive

application.

This part mainly defines the content related to the comprehensive application

of the low-value payment, that is, the technical implementation of the low-value

payment comprehensive application and the types of transactions supported.

The unspecified content in this part is in consistent with the standard

debit/credit applications and low-value payment applications, and the relevant

requirements are described in in JR/T 0025.4, JR/T 0025.5, JR/T 0025.6, JR/T

0025.7, JR/T 0025.12, JR/T 0025.13 and JR/T 0025.17.

China financial integrated circuit card specifications -

Part 14.Comprehensive application specification

based on contactless low-value payment application

1 Scope

This part makes relevant requirements and specifications for the

comprehensive applications based on contactless low-value payment

application, which is mainly used for such low-value payment scenarios as

section purchase, offline pre-authorization, and single deduction discount, and

so on.

This part is applicable to the areas, card issuers and merchants that implement

the qPBOC. 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.

The requirements for quick debit/credit contactless payment application

(qPBOC) are defined in JR/T 0025.12.The requirements for physical

characteristics, RF power and signal interface, initialization, collision detection,

and transmission protocols are defined in JR/T 0025.8 and JR/T 0025.11.

2 Normative references

The following documents are essential to the application of this document. For

the dated documents, only the versions with the dates indicated are applicable

to this document; for the undated documents, only the latest version (including

all the amendments) are applicable to this document.

JR/T 0025.4 China financial integrated circuit card specifications - Part 4.

Debit/credit application overview

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 0025.8 China financial integrated circuit card specifications - Part 8.

Contactless specification independent of application

JR/T 0025.11 China financial integrated circuit card specifications - Part 11.

Contactless integrated circuit card communication specification

JR/T 0025.12 China financial integrated circuit card specifications - 12.

Contactless integrated circuit card communication specification

JR/T 0025.13 China financial integrated circuit card specifications - Part 13.

Low-value payment specifications based on debit/credit application

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 document.

3.1

CAPP records

Records for the comprehensive application specified files, including records

of the comprehensive application cyclic files and comprehensive application

specified files.

3.2

Command

The terminal sends a message to the IC card that initiates an operation or

requests a response.

3.3

Comprehensive application specified file

Comprehensive application specified file is used to store specific industry

application information, usually a variable length record structure file.

3.4

Comprehensive application cyclic file

Comprehensive application cyclic files are stored as data records for some

log types, which are cyclic record structure files. The UPDATE CAPP DATA

CACHE command updates only the first record for each transaction.

3.5

Cryptogram

The result of password encryption operation.

3.6

Deposit deduction

The deposit deduction refers to the issuer can give the cardholder a certain

amount of the deposit, which is not included in the actual amount of

electronic cash, but when the card electronic cash balance of the

cardholder is insufficient and less than the deposit amount, the cardholder

can choose to use a deposit to complete the transaction.

3.7

Electronic cash (EC)

The low-value payment function achieved based on the debit/credit

application.

3.8

Electronic cash balance

A counter that represents the amount that can be consumed offline on the

card.

3.9

Electronic cash funds limit

The maximum amount a cardholder can spend on offline purchases.

3.10

Identify number

Used to distinguish the applications of same industry in different regions.

3.11

Load

The process of increasing the electronic cash balance in the card. There

are a variety of ways to realize load, including drawing money from the

master account, making cash deposit, or otherwise transferring amount

from other account, BUT the electronic cash balance after load shall not

exceed the electronic cash funds limit.

3.12

Proximity payment systems environment

A list of supported application identifiers, application tags, and applicatio...

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