JR/T 0025.15-2013China financial integrated circuit card specifications. Part 15: Electronic cash dual-currency payment specification (English PDF)

Foreword

JR/T 0025 China Financial Integrated Circuit Card Specifications can be divided into

the following parts.

--- Part 1.Electronic purse/Electronic Deposit Application Card Specification

(Obsolete);

--- Part 2.Electronic Purse/Electronic Deposit Application Specification (Obsolete);

--- Part 3.Specification on Application Independent IC 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 Specification;

--- Part 8.Contactless Specification Independent of Application;

--- Part 9.Electronic Purse Extended Application Guide (Obsolete);

--- 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 belongs to Part 15 of JR/T 0025.

This Part was drafted as per the rules specified in GB/T 1.1-2009.

This Part was proposed by People's Bank of China.

This Part shall be under the jurisdiction of National Technical Committee for

Standardization of Finance (SAC/TC180).

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

China Financial Computerization Corp., Banking Card Test Center, ZhongChao

CreditCard Industry Development Co., Ltd., G&D (China) Information Technologies Co.

Ltd., VeriFone (China) Information System Co., Ltd., and Fujian Landi Commercial

Equipment Co. Ltd.

Chief drafting staffs of this Part. Wang Yonghong, Li Xiaofeng, Lu ShuChun, Pan

Runhong, Du Yu, 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, and Weng Xiucheng.

This Part was first-time published.

Introduction

This Part belongs to Part 15 of JR/T 0025; together with Part 4, Part 5, Part 6, Part 7,

Part 12 and Part 13 of JR/T 0025, they compose of the Debit/Credit-Based Electronic

Cash Dual-Currency Payment Application.

This Part mainly defines the electronic cash dual-currency payment application card

contents, specifically includes card data elements, security mechanisms and relevant

business processes.

This Part aims to define the dual-currency electronic cash function, realization

technology and application examples.

China Financial Integrated Circuit

Card Specifications – Part 15.Electronic

Cash Dual-Currency Payment Specification

1 Scope

This Part describes how to realize the relevant information of electronic cash dual-

currency payment function (hereinafter referred to as dual-currency electronic cash)

on the PBOC debit/credit card. In addition, it also provides the overview of each

component of dual-currency electronic cash payment different from the single-currency

electronic cash function, including application procedure, terminal function, etc.

This Part is applicable to the dual-currency electronic cash IC card based on financial

debit/credit regulations issued or accepted by bank. The use objects mainly include

card design, manufacture, management, issuance, acceptance relevant to the

financial debit/credit IC card; as well as the relevant manufacture, R&D, integration

and maintenance departments (organizations) of the application system.

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 0025.5 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 0025.12 China Financial Integrated Circuit Card Specifications – Part 12.

Contactless Integrated Circuit Card Payment Specification

JR/T 0025.13 China Financial Integrated Circuit Card Specifications – Part 13.

Low-Value Payment Specifications Based on Debit/Credit Application

3 Terms and Definitions

The following terms and definitions are applicable to this document.

4 Symbols and Abbreviations

The expressions of the following symbols and abbreviations are applicable to this

document of JR/T 0025.

AFL - Application File Locator

AID – Application Identifier

AIP – Application Interchange Profile

Cn - Compressed Numeric

CVM – Cardholder Verification Method

CTTA – Cumulative Total Transaction Amount

CTTAL – Cumulative Total Transaction Amount Limit

PDOL – Processing options Data Object List

EC – Electronic Cash

FCI – File Control Information

GPO – Get Processing Options

GAC – Generate AC

IC – Integrated Circuit

IDD – Issuer Defined Data

M – Mandatory

MAC – Message Authentication Code

N – Numeric

O – Optional

P1 – Parameter 1

P2 – Parameter 2

qPBOC – quick PBOC

5 Technical Requirements for Dual-Currency

Electronic Cash

Dual-currency electronic cash indicates, based on standard electronic cash and

qPBOC, in...

......