JR/T 0025.4-2013China financial integrated circuit card specifications. Part 4: Debit/credit application overview (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 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&D Information Technology Co., Ltd., VeriFone (China) Information

System Co., Ltd., Fujian LANDI Commercial Equipment Co., Ltd.

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...

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