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JR/T 0025.5-2018 English PDF

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JR/T 0025.5-2018: China financial integrated circuit card specifications - Part 5: Debit/credit application card specification
Status: Valid

JR/T 0025.5: Historical versions

Standard IDUSDBUY PDFLead-DaysStandard Title (Description)Status
JR/T 0025.5-20183449 Add to Cart 15 days China financial integrated circuit card specifications - Part 5: Debit/credit application card specification Valid
JR/T 0025.5-2013150 Add to Cart Auto, < 3 mins China financial integrated circuit card specifications. Part 5: Debit/credit application card specification Obsolete
JR/T 0025.5-2010RFQ ASK 3 days China financial integrated circuit card specifications. Part 5: Debit/credit application card specification Obsolete
JR/T 0025.5-2005RFQ ASK 3 days China financial integrated circuit card specifications - Part 5: Debit/credit card specification Obsolete

Similar standards

GB/T 19584   GB/T 12406   JR/T 0025.4   JR/T 0025.16   JR/T 0025.3   

Basic data

Standard ID: JR/T 0025.5-2018 (JR/T0025.5-2018)
Description (Translated English): China financial integrated circuit card specifications - Part 5: Debit/credit application card specification
Sector / Industry: Finance Industry Standard (Recommended)
Classification of Chinese Standard: A11
Word Count Estimation: 150,192
Date of Issue: 2018-11-28
Date of Implementation: 2018-11-28
Older Standard (superseded by this standard): JR/T 0025.5-2013
Regulation (derived from): Bank-Announcement (2018) No.307
Issuing agency(ies): People's Bank of China
JR/T 0025.5-2013 JR FINANCIAL INDUSTRY STANDARD OF THE PEOPLE’S REPUBLIC OF CHINA ICS 35.240.40 A 11 Record number. Replacing JR/T 0025.5-2010 China financial integrated circuit card specifications - Part 5. Debit/credit application card specification ISSUED ON. FEBRUARY 05, 2013 IMPLEMENTED ON. FEBRUARY 05, 2013 Issued by. People’s Bank of China 3. No action is required - Full-copy of this standard will be automatically & immediately delivered to your EMAIL address in 0~60 minutes.

Table of Contents

Foreword ... 6 Introduction ... 8 1 Scope ... 9 2 Normative references ... 9 3 Terms and definitions ... 10 4 Symbols and abbreviations ... 12 5 Overview ... 15 5.1 Function overview ... 15 5.2 Mandatory and optional functions ... 20 6 Application selection ... 23 6.1 Card data ... 23 6.2 Terminal data ... 24 6.3 Command ... 25 6.4 Establish candidate application list ... 26 6.5 Determination and selection application ... 28 6.6 Flow diagram ... 28 6.7 Subsequent processing ... 31 7 Application initialization ... 31 7.1 Card data ... 31 7.2 Terminal data ... 32 7.3 Command ... 32 7.4 Processing flow ... 33 7.5 Preliminary processing ... 35 7.6 Subsequent processing ... 35 8 Read the application data ... 35 8.1 Card data ... 35 8.2 Terminal data ... 36 8.3 Command ... 36 8.4 Processing flow ... 36 8.5 Preliminary processing ... 37 8.6 Subsequent processing ... 37 9 Offline data authentication ... 37 9.1 Key and certificate ... 37 9.2 Method to determine offline data authentication ... 38 9.3 Static Data Authentication ... 38 9.4 Static data authentication ... 40 9.5 Preliminary processing ... 44 9.6 Subsequent processing ... 44 10 Processing limit ... 45 10.1 Card data ... 45 10.2 Terminal data ... 46 10.3 Processing flow ... 46 10.4 Preliminary processing ... 48 10.5 Subsequent processing ... 48 11 Cardholder verification ... 48 11.1 Card data ... 48 11.2 Terminal data ... 51 11.3 Command ... 51 11.4 Processing flow ... 52 11.5 Preliminary processing ... 56 11.6 Subsequent processing ... 56 12 Terminal risk management ... 57 12.1 Card data ... 57 12.2 Terminal data ... 58 12.3 Command ... 58 12.4 Processing flow ... 59 12.5 Preliminary processing ... 60 12.6 Subsequent processing ... 60 13 Terminal action analysis ... 61 13.1 Card data ... 61 13.2 Terminal data ... 62 13.3 Command ... 62 13.4 Processing flow ... 63 13.5 Preliminary Processing Read the application data ... 63 13.6 Subsequent Processing Card action analysis ... 63 14 Card action analysis ... 63 14.1 Card data ... 64 14.2 Terminal data ... 66 14.3 Command ... 67 14.4 Processing flow ... 67 14.5 Response cryptogram provided by the card... 74 14.6 Flow diagrams ... 77 14.7 Preliminary processing ... 83 14.8 Subsequent processing ... 84 15 Online processing ... 84 15.1 Card data ... 84 15.2 Online response data ... 85 15.3 Command ... 86 15.4 Processing flow ... 86 15.5 Flow diagram ... 88 15.6 Preliminary processing ... 88 15.7 Subsequent processing ... 89 16 Transaction termination ... 89 16.1 Card data ... 89 16.2 Terminal data ... 92 16.3 Command ... 92 16.4 Processing flow ... 93 16.5 GENERATE AC command receiving ... 94 16.6 Online authorization transaction ... 94 16.7 Requesting for online operation, but online authorization is not completed ... 99 16.8 Combined DDA/GENERATE AC response ... 104 16.9 Flow diagrams ... 105 16.10 Preliminary processing ... 110 16.11 Subsequent processing ... 111 17 Issuer script processing ... 111 17.1 Card data ... 111 17.2 Terminal data ... 112 17.3 Key management in the issuer script operations ... 113 17.4 Authentication response data ... 114 17.5 Commands ... 114 17.6 Processing flow ... 117 17.7 Previous processing online operation ... 120 17.8 Subsequent processing ... 121 18 Transaction log recorded by the card ... 121 18.1 Record file for the transaction log... 121 18.2 Recommendations of JR/T 0025 ... 122 Annex A (normative) Data element lists of the card and the issuer ... 124 Annex B (normative) Command specifications - Descriptions of commands supported by the card ... 165 Annex C (normative) Security message ... 188 Annex D (normative) Authentication keys and algorithms ... 198 Annex E (normative) Supported cryptogram version ... 207 Annex F (normative) Algorithm identifiers ... 208 Bibliography ... 209

Foreword

JR/T 0025 consists of the parts as follows in the general name of “China financial integrated circuit card specifications”. - Part 1. Electronic Purse/Electronic Deposit Card Specification (abolished); - Part 2. Electronic Purse/Electronic Deposit Application Specification (abolished); - Part 3. Application Independent ICC to Terminal Interface Requirements; - Part 4. Debit/credit Application Specifications; - Part 5. Debit/Credit Application Card Specifications; - Part 6. Debit/Credit Application Terminal Specifications; - Part 7. Debit/Credit Application Card Security Specifications; - Part 8. Contactless Specification Independent of Application - Part 9. Electronic Purse Extended Application Guide (abolished); - Part 10. Debit/Credit card Personalization Guide; - Part 11. Contactless Integrated Circuit Card Communication Specifications; - 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 Specifications; - Part 16. IC Card Internet Terminal Specifications; - Part 17. Enhanced Debit/Credit Application Security Specifications. This Part is Part 5 of JR/T 0025. This Part was drafted according to the rules specified in GB/T 1.1-2009. This Part replaces JR/T 0025.5-2010 "China financial integrated circuit card specifications - Part 5. Debit/credit application card specification". Compared with JR/T 0025. 5-2010, this Part has the following major changes. China financial integrated circuit card specifications - Part 5. Debit/credit application card specification

Scope

This Part of JR/T 0025 describes the debit/credit flow from the card angle, including the processing detail in the card, card data element and card supporting instruction set. This Part is applicable to the financial debit/credit integrated circuit card issued or accepted by the banks. Those using this Part are mainly the relevant departments (organizations) for such card design, manufacture, management, issuance and acceptance and for the development, integration and maintenance of the application system.

Normative References

The following referenced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated references, the latest editions of the normative documents (including all the amendments) are applicable to this document. GB/T 2659 Codes for the Representation of Names of Countries and Regions (GB/T 2659-2000, ISO 3166-1. 1997, EQV) GB/T 4880.1 Codes for the Representation of Names of Language - Part 1. Alpha- 2 code (GB/T 4880.1-2005, ISO/IEC 639-1. 2002, MOD) GB/T 12406 Codes for the Representation of Currencies and Funds (GB/T 12406- 2008, ISO 4217. 2001, IDT) GB/T 15150 Bank Card Originated Messages - Interchange Message Specifications - Content for Financial Transactions (GB/T 15150-1994, ISO 8583. 1987, IDT) 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 Cards - Integrated circuit(s) Cards with Contacts - Part 5. National Numbering System and Registration Procedure for Application Identifiers (GB/T 16649.5-2002, ISO/IEC 7816-5. 1994, NEQ) GB/T 16649.6 Identification Cards - Integrated Circuit(s) Cards with Contacts - Part 6. Interindustry Data Elements (GB/T 16649.6-2001, ISO/IEC 7816-6. 1996, IDT) GB/T 17552 Identification Cards - Financial Transaction Cards (GB/T 17552-1998, ISO/IEC 7813. 1995, IDT) JR/T 0025.3 China Financial Integrated Circuit Card Specifications - Part 3. Application Independent ICC to Terminal Interface Requirements JR/T 0025.6 China Financial Integrated Circuit Card Specifications - Part 6. Debit/Credit Application Terminal Specifications JR/T 0025.7 China Financial Integrated Circuit Card Specifications - Part 7. Debit/Credit Application Card Security Specifi...
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