JR/T 0025.4-2018 English PDFUS$1399.00 · In stock
Delivery: <= 8 days. True-PDF full-copy in English will be manually translated and delivered via email. JR/T 0025.4-2018: China financial integrated circuit card specifications - Part 4: Debit/credit application specification Status: Valid JR/T 0025.4: Historical versions
Basic dataStandard ID: JR/T 0025.4-2018 (JR/T0025.4-2018)Description (Translated English): China financial integrated circuit card specifications - Part 4: Debit/credit application specification Sector / Industry: Finance Industry Standard (Recommended) Classification of Chinese Standard: A11 Word Count Estimation: 59,583 Date of Issue: 2018-11-28 Date of Implementation: 2018-11-28 Older Standard (superseded by this standard): JR/T 0025.4-2013 Regulation (derived from): Bank-Announcement (2018) No.307 Issuing agency(ies): People's Bank of China JR/T 0025.4-2013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 ContentsForeword ... 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 ... 93ForewordJR/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. 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 overviewScopeThis 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.Normative ReferencesThe 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 specificationTerms and DefinitionsThe 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... ......Tips & Frequently Asked Questions:Question 1: How long will the true-PDF of JR/T 0025.4-2018_English be delivered?Answer: Upon your order, we will start to translate JR/T 0025.4-2018_English as soon as possible, and keep you informed of the progress. The lead time is typically 5 ~ 8 working days. The lengthier the document the longer the lead time.Question 2: Can I share the purchased PDF of JR/T 0025.4-2018_English with my colleagues?Answer: Yes. 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