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JR/T 0055.2-2009Technical specifications on bankcard interoperability - Part 1: Message interface (English PDF)

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Issued by

People’s Bank of China 3. No action is required - Full-copy of this standard will be automatically & immediate

Level / Type

National · Recommended

Issue date

June 1, 2009

Implementation date

July 1, 2009

Scope

JR/T 0055.2-2009 (Technical specifications on bankcard interoperability - Part 1: Message interface) is available as an English-translated PDF.

JR/T 0055.2-2009 — This standard specifies the message interface for online transactions between the institution and the switching center, including the structure, format, and message field of the online transaction message.

This part of this standard applies to all the institutions such as the switching center, acquirer, and card issuer which involve the bankcard inter-bank transactions.

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Document preview — JR/T 0055.2-2009

National Standard of the People's Republic of China

Issued by: People’s Bank of China 3. No action is required - Full-copy of this standard will be automatically & immediate

Foreword...5
1 Scope ..6
2 Normative references...6
3 Terms and definitions...6
4 Symbol...7
4.1 Data type symbol...7
4.2 Message format symbol...8
4.3 Mandatory and conditional symbols of message fields...9
5 Message structure...10
6 Message header...11
6.1 Field descriptions ..11
6.2 Message header of normal message...16
6.3 Message header of reject message...16
7 Message type ..16
7.1 Version number ..16
7.2 Message type flag...17
8 Message bitmap...17
9 Message field description...18
9.1 Message field directory ..18
9.2 Field 2. Primary Account Number (PAN)...22
9.3 Field 3. Processing code ..23
9.4 Field 4. Amount, Transaction...24
9.5 Field 5. Amount, Settlement...24
9.6 Field 6. Amount, Cardholder Billing...25
9.7 Field 7. Transmission Date and Time...25
9.8 Field 9. Conversion Rate, Settlement...26
9.9 Field 10. Conversion Rate, Cardholder Billing...27
9.10 Field 11. System Trace Audit Number...27
9.11. Time, Local Transaction...28
9.12 Field 13. Date, Local Transaction...29
9.13 Field 14. Date, Expiration...29
9.14 Field 15. Date, Settlement...30
9.15 Field 16. Date, Conversion ..30
9.16 Field 18. Merchant's Type...31
9.17 Field 19. Acquiring Institution Country Code ..31
9.18 Field 22. Point of Service Entry Mode Code ..32
9.19 Field 23. Card Sequence Number...32
9.20 Field 25. Function Code ..33
9.21 Field 26. Point of Service PIN Capture Code...34
9.22 Field 28. Amount, Transaction Fee ..34
9.23 Field 32. Acquiring institute identification code...35
9.24 Field 33. Forwarding Institution Identification Code...35
9.25 Field 35. Track 2 Data ..36
9.26 Field 36. Track 3 Data ..37
9.27 Field 37. Retrieval Reference Number...37
9.28 Field 38. Authorization Identification Code...38
9.29 Field 39. Response Code...38
9.30 Field 41. Card Acceptor Terminal Identification...39
9.31 Field 42. Card Acceptor Identification Code ..40
9.32 Field 43. Card Acceptor Name/Location ..40
9.33 Field 44. Additional Response Data...41
9.34 Field 48. Additional Data Private...41
9.35 Field 49. Currency Code, Transaction...42
9.36 Field 50. Currency Code, Settlement ..43
9.37 Field 51. Currency Code, Cardholder Billing...43
9.38 Field 52. Personal Identification Number (PIN) Data...44
9.39 Field 53. Security Related Control Information...44
9.40 Field 54. Additional Amounts ..45
9.41 Field 55. Integrated Circuit Card (ICC) System Related Data...46
9.42 Field 57. Additional Data Private...49
9.43 Field 58. IC (PBOC) Data Reserved...50
9.44 Field 60. POS additional information ..51
9.45 Field 61. Cardholder Authentication Information ..52
9.46 Field 70. Network Management Information Code...54
9.47 Field 90. Original Data Element...55
9.48 Field 96. Message Security Code...55
9.49 Field 100. Receiving Institution Identification Code...56
9.50 Field 102. Account Identification 1...56
9.51 Field 103. Account Identification 2...57
9.52 Field 121. Switch Reserved...57
9.53 Field 122. Acquiring Institution Reserved...58
9.54 Field 123. Issuer Institution Reserved...58
9.55 Field 128. Message Authentication Code...59
10 Correlation of key information field to message...60
10.1 Correlation of response message and request message ..60
10.2 Correlation of subsequent transactions and original transactions...60
11 Message format description...61
11.1 Financial transaction online message...61
11.2 Management transaction online message ..81
Appendix A (Normative) Reject code...84
Appendix B (Normative) Transaction type code ..88
Appendix C (Normative) Response code...90
Appendix D (Informative) Transaction type distinction table...93
References...95

Foreword

JR/T 0055 "Technical specifications on bankcard interoperability" consists of the

following 5 parts.

Part 1. Transaction processing;

Part 2. Message interface;

Part 3. File data format;

Part 4. Data secure transmission control;

Part 5. Communication interface;

This part is part 2 of JR/T 0055.

Appendix A, Appendix B and Appendix C of this part are normative; Appendix

D is informative.

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.

The responsible drafting organizations of this part. People's Bank of China

Science and Technology Division, China UnionPay Co., Ltd.

The participating drafting organizations of this part. Industrial and Commercial

Bank of China, Agricultural Bank of China, Bank of China, China Construction

Bank, Huaxia Bank, China Financial Electronics Co., Ltd., Bank Card Testing

Center.

1 Scope

This standard specifies the message interface for online transactions between

the institution and the switching center, including the structure, format, and

message field of the online transaction message.

This part of this standard applies to all the institutions such as the switching

center, acquirer, and card issuer which involve the bankcard inter-bank

transactions.

2 Normative references

The provisions in following documents become the provisions of this Standard

through reference in this Standard. For the dated references, the subsequent

amendments (excluding corrections) or revisions do not apply to this Standard;

however, parties who reach an agreement based on this Standard are

encouraged to study if the latest versions of these documents are applicable.

For undated references, the latest edition of the referenced document applies.

GB/T 15150-1994 Bank card originated messages - Interchange message

specifications - Content for financial transactions (ISO 8583.1987, IDT)

GB/T 12406 Codes for the representation of currencies and funds

GB/T 20548 Retail financial services - Merchant category codes

GB/T 2659 Codes for the representation of names of countries and regions

GB/T 19584 Magnetic stripe data content and specification for bank card

GB 18030-2000 Information technology - Chinese ideograms coded

character set for information interchange - Extension for the basic set

JR/T 0025 (all parts) China financial integrated circuit card specifications

3 Terms and definitions

The following terms and definitions apply to this part.

3.1

Request message

Message generating a series of interactive messages.

Note. the completion of this action requires reply response.

3.2

Response message

The message used by the receiver of the original request or advice message

to notify the sender that this request message or advice message has been

received.

Note. This response indicates what actions the receiver has taken to

complete the original request or advice.

3.3

Advice message

The message used by the sender to notify the receiver of the actions that

had been taken, which does not require acknowledgement but requires

response.

4 Symbol

4.1 Data type symbol

The symbols appearing in this part are described in Table 1.

Unless otherwise specified, all message fields of fixed length in the data type

"n" are filled zero in front and right justified; other message fields of fixed lengths

are followed by spaces and left-justified. In the message fields of data types in

"b", the 8-bit blocks are followed by zeros and left-justified. All message fields

are counted from left to right, i.e. the count of the leftmost position is 1.

The encoding method adopted by this specification is ASCII code.

6 Message header

The message header is the first part of the message.

6.1 Field descriptions

The message header defined in this part consists of 10 fields.

6.1.1 Field 1. Header-Length

- Attributes. b8, 8bit binary number;

- Producers. Institutions, switching center;

- Description. Number of bytes of message header stored in this field;

- Usage. Clearly identify the length of the message header;

- Field edit value. the value of this field must be 46;

- Reject code. 00015 = Illegal value.

6.1.2 Field 2. Header-Flag-and-Version

- Attributes. b8, 8bit binary number;

- Producers. Institutions, switching center;

- Description. The first digit from the left of the field is the header flag, which

means the following.

- 0 indicates that this message is a production message;

- 1 indicates that this message is a test message.

This bit is filled in by the originator of the transaction, it remains unchanged

during the transmission of the message.

The binary value of the last seven bits from the left of the field defines the

version of this message format.

- Reject code. 00025 = Illegal value.

6.1.3 Field 3. Total-Message-Length

- Attributes. n4, 4 bytes fixed-length numeric character;

- Reject code. 00065 = Illegal value.

6.1.7 Field 7. Batch-Number

- Attributes. b8, 8bit binary number;

- Producer. Switching center;

- Description. This field contains the lot number assigned by the switching

center for the message. Whenever a new request or advice is received by

the switching center, the current lot number is inserted into the field. If the

switching center receives a transaction-related transaction message, the

field value of this transaction is the same as that of the field of the original

transaction message;

- Usage. The value of this field is binary zero if it is a request message sent

by the institution. When the institution returns a reply to the switching center,

the value of this field is the same as that in its corresponding request

message.

- Field edit value. This field must be binary zero in the request message

generated by the institution.

- Reject code. 00075 = Illegal value.

6.1.8 Field 8. Transaction-Category-Identification

- Attributes. ans8,8 bytes of letters, numbers and special characters;

- Producers. Institutions, switching center;

- Description. Completed by the institution or the switching center, for the

purpose of differentiating transactions from different perspectives, to

facilitate the diversion of transactions between switching centers and

institutions. This part does not define the specific classification and

corresponding values.

- Field edit value. When the institution returns a reply to the switching center,

the value of this field is the same as that in its corresponding request

message.

- Reject code. 00085 = Illegal value.

6.1.9 Field 9. User-Information

- Attributes. b8, 8bit binary number;

- Field edit value. This field is filled with "0000" in the message header

generated by the institution. A detailed definition of reject code is shown in

Appendix A Reject code;

- Reject code. None.

6.2 Message header of normal message

The normal message has a message header.

6.3 Message header of reject message

The switching center will reject the request message with syntax error, add a

reject m...

......

......
This preview omits tables, figures, formulas and parts of the technical clauses. The complete document — 95 pages — is available in the English PDF.

Referenced standards

Normative references

ISO 8583.1987

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