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JR/T 0052-2020: Bank card specification
Status: Valid JR/T 0052: Evolution and historical versions
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Bank card specification
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JR/T 0052-2020
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| JR/T 0052-2009 | English | 90 |
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PDF similar to JR/T 0052-2020
Basic data | Standard ID | JR/T 0052-2020 (JR/T0052-2020) | | Description (Translated English) | Bank card specification | | Sector / Industry | Finance Industry Standard (Recommended) | | Classification of Chinese Standard | A11 | | Word Count Estimation | 10,144 | | Date of Issue | 2020-03-10 | | Date of Implementation | 2020-03-10 | | Older Standard (superseded by this standard) | JR/T 0052-2009 | | Regulation (derived from) | Bank Announcement (2020) No. 63 | | Issuing agency(ies) | People's Bank of China | JR/T 0052-2020: Bank card specification---This is a DRAFT version for illustration, not a final translation. Full copy of true-PDF in English version (including equations, symbols, images, flow-chart, tables, and figures etc.) will be manually/carefully translated upon your order.
Bank card specification
ICS 03.060
A 11
JR
People's Republic of China Financial Industry Standards
Replace JR/T 0052-2009
Bank card specification
2020-3-10 released
2020-3-10 implementation
Issued by the People's Bank of China
Table of contents
Foreword...II
1 Scope...1
2 Normative references...1
3 Terms and definitions...1
4 Card shape and size...2
5 Card surface design elements...3
6 Card media...4
7 Card physical characteristics...5
8 Card printing...5
9 Card Security Requirements...5
References...7
Foreword
This standard was drafted in accordance with the rules given in GB/T 1.1-2009.
This standard replaces JR/T 0052-2009 "Bank Card Specification". Compared with JR/T 0052-2009, it mainly includes editorial changes.
The technical changes are as follows.
-Deleted the "identification card" in terms and definitions (see 3.2 in the.2009 edition);
--Modified the English name of "magnetic stripe" in terms and definitions (see 3.3, 3.4 in.2009 edition);
--Modified the definition of "Card Verification Code 2" in terms and definitions (see 3.11, 3.12 of the.2009 edition);
-Added "Card Shape and Dimensions" (see Chapter 4, 5.1 of the.2009 edition);
--Added "any unauthorized pictures that may involve personal privacy disclosure" (see 5.1, 4.1 in.2009 edition);
--Modify the card surface design elements, merge the card front and back design elements into the necessary design elements of the card surface (see 5.2,.2009 edition
4.2 and 4.3);
-Modified the overview of "chip media" in card media (see 6.3.1, 6.2 of the.2009 edition);
-Modified the "contact" requirement in the card medium (see 6.3.2, 6.2.1 of the.2009 edition);
--Modified the card security requirements and divided them into anti-counterfeiting elements and security elements (see 9,.2009 edition 8);
--Modified the requirements of "fluorescent anti-counterfeiting mark" in the anti-counterfeiting elements (see 9.2.1, 8.3 of the.2009 edition);
--Added the anti-counterfeiting function of the signature strip (see 9.2.3, 8.5 in.2009 edition);
-Modified the requirements of "Card Verification Code" in the security elements (see 9.3.1, 8.1 in.2009 edition);
-Modified the "chip" requirements in the security elements (see 9.3.3, 8.6 in the.2009 edition).
This standard was proposed by the People's Bank of China.
This standard is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC 180).
Drafting organizations of this standard. Science and Technology Department of the People's Bank of China, China Financial Electronics Corporation, China UnionPay Co., Ltd., Beijing UnionPay
Gold Card Technology Co., Ltd., Industrial and Commercial Bank of China Co., Ltd., Agricultural Bank of China Co., Ltd., Bank of China Co., Ltd.,
China Construction Bank Corporation, China Merchants Bank Corporation, China Minsheng Bank Corporation, China Everbright Bank
Co., Ltd., Bank of Beijing Co., Ltd., China Banknote Credit Card Industry Development Co., Ltd., Beijing Zhongjin Guosheng Certification Co., Ltd., China
Payment and Settlement Association, G+D (China) Information Technology Co., Ltd., Eastcom Peace Technology Co., Ltd.
The main drafters of this standard. Li Wei, Li Xingfeng, Zhang Wenjun, Song Hanshi, Qu Shaoguang, Guo Dong, Duan Lifa, Ma Xiaoqiong, Tao Ranzhi,
Yu Qin, Cui Peng, Liu Jiayao, Zhang Shuo, Wang Dong, Ye Zhu, Wang Laimeng, Wang Fei, Deng Linying, Zheng Chao, Yan Xinlun, Tan Li, Shen Pengyang, Zhao
Siyuan, Jia Jing, Hou Xiaochen, Xiangqian, Chen Xudong, Shen Guosong, Tang Zhongze, Zhang Hongyan, Li Qingchuan, Zhang Haochen.
Bank card specification
1 Scope
This standard specifies the card shape and size, card surface design elements, card media, card physical characteristics, and card surface character printing of bank cards
And card security requirements, etc.
This standard applies to all ID-1 type bank cards issued within the territory of the People's Republic of China.
2 Normative references
The following documents are indispensable for the application of this document. For dated reference documents, only the dated version applies to this document.
For undated references, the latest version (including all amendments) applies to this document.
GB/T 14916 Identification card physical characteristics
GB/T 15120.1 Identification Card Recording Technology Part 1.Embossing
GB/T 15120.6 Identification Card Recording Technology Part 6.Magnetic Stripe-High Coercivity
GB/T 19584 Bank card magnetic stripe information format and usage specification
JR/T 0025 (all parts) China Financial Integrated Circuit (IC) Card Specification
3 Terms and definitions
The following terms and definitions apply to this document.
3.1
ID-1 card
The nominal size is. width 85.60mm, height 53.98mm, thickness 0.76mm, chamfer radius 3.18mm.
3.2
Bank card
A payment issued to the society by financial institutions such as commercial banks that has all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Pay tools.
3.3
Magnetic stripe
Bars containing magnetically encoded information.
3.4
Integrated circuit; IC
Electronic devices used to perform processing and/or storage functions.
3.5
Integrated circuit card; ICC
A card that encapsulates one or more integrated circuits to perform processing and storage functions.
3.6
Card number
The number used to identify the issuer and the card is composed of the issuer's identification code, the issuer's custom digit and the check digit.
Note. The card number is equivalent to the card number defined in JR/T 0008 and the main account number defined in GB/T 19584.
3.7
Embossing
Make the characters prominently protrude from the front of the card.
3.8
Signature panel
A specific area on the card for signing.
3.9
Warpage
Deviation from the relative plane.
3.10
Card verified number card verified number; CVN
The code to verify the legality of the magnetic stripe information.
3.11
Card verified number 2 card verified number2; CVN2
The code to verify the legality of the bank card.
4 Card shape and size
The standard bank card has a rectangular shape, and the shape and dimensions are shown in Figure 1 and Table 1.The burrs on the edge of the card should meet the requirements of GB/T 14916.
5 Card surface design elements
5.1 Overview
Card surface design elements are divided into card surface necessary design elements and other design elements. The card issuer should not involve any
The following contents of the form.
--Sex, violence, and other images that can be deemed "unacceptable to society" related topics.
--Political theme (except for the joint name or identification of the cooperative organization is a political organization) pictures.
--Pictures on the subject of racial discrimination and religious discrimination.
-Pictures that infringe on intellectual property rights.
--Images with the nature of advertising, promotion and solicitation.
--Pictures that may cause confusion when the merchant accepts the card.
--Pictures that may cause bank card fraud.
--Images with hostile or mocking meanings that may cause adverse effects on brand trademarks and services.
--Unauthorized pictures that may involve the disclosure of personal privacy.
5.2 Necessary design elements of card surface
The necessary design elements of the card surface should include the card organization logo, the name and/or logo of the issuer, the card number, the validity (expiration) period, and the card
species. The IC card with contact function should also contain contacts.
Note. Card types include debit cards, credit cards, quasi-credit cards, etc.
5.3 Other design elements
For credit cards and quasi-credit cards, the cardholder’s name, CVN2, signature strip and holographic anti-counterfeiting signs should be included.
Other design elements on the card surface should include fluorescent anti-counterfeiting marks and the first 4 digits of the preprinted card number.
6 Card media
6.1 Overview
Card media is divided into magnetic stripe media and chip media.
6.2 Magnetic Stripe Media
6.2.1 Coding technology and specifications
The coding technology and specifications of magnetic materials should meet the requirements of GB/T 15120.6.
6.2.2 The coding specification of the track and the position of the track
The coding specifications of the first track, the second track and the third track and the position of the magnetic material of each track should meet the requirements of GB/T 15120.6.
6.2.3 Magnetic stripe information format
The format of the magnetic stripe information should comply with GB/T 19584.
6.2.4 Error detection technology
The error detection technology of magnetic stripe data encoding includes parity check and longitudinal redundancy check, and the specific content should comply with the regulations of GB/T 15120.6
set.
6.3 Chip medium
6.3.1 Overview
Chip media are classified into contact and non-contact according to the communication method.
6.3.2 Contact type
The relevant requirements of the contact type meet the requirements of JR/T 0025.3.
6.3.3 Non-contact
The non-contact related requirements meet the requirements of JR/T 0025.8.
6.3.4 Chip Card Data Element
The card data element complies with the regulations of JR/T 0025.
7 Card physical characteristics
7.1 Card structure
The card can be made of monolithic materials, laminated materials or glued materials, and its structure should meet the requirements of GB/T 14916.
7.2 Card materials and characteristics
7.2.1 Card material
The card material should meet the requirements of GB/T 14916.
7.2.2 General features
The general characteristics of card materials should meet the requirements of GB/T 14916 except for peel strength; peel strength refers to the layers that make up the card structure
The materials should be glued together, and each layer should have a minimum peel strength of 4.5N/cm.
7.2.3 The physical characteristics and performance characteristics of the magnetic stripe
The physical properties and performance characteristics of the magnetic stripe should meet the requirements of GB/T 15120.6.
7.2.4 The physical characteristics and performance characteristics of the chip
The physical characteristics and performance characteristics of the chip should comply with JR/T 0025.
8 Card printing
8.1 Embossing
8.1.1 Embossed content
The embossed content should include.
--card number.
--The effective (expiration) date of the card.
--Name of the cardholder, etc.
8.1.2 Embossed characters and their general requirements
The visual or machine-readable character set and font, character spacing, character height, and height of embossed characters in embossed characters should
Meet the requirements of GB/T 15120.1.
8.1.3 Position of embossed characters
The designated embossed area on the card surface includes the card number, the card’s effective (expiration) date, the card holder’s name, etc., which should be in accordance with GB/T
The provisions of 15120.1.
8.2 Non-embossing (gravure, flat printing)
Except for the embossed content included in 8.1.1, the card surface information can be printed in non-embossed (gravure, flat printing) methods. Card surface non-embossed (concave
Printing, flat printing) elements should be printed in contrasting colors of the card base color.
9 Card Security Requirements
9.1 Overview
Card security should include anti-counterfeiting elements and security elements.
9.2 Anti-counterfeiting elements
9.2.1 Fluorescent anti-counterfeiting mark
Fluorescent anti-counterfeiting marks should be printed on the front or back of credit cards and quasi-credit cards.
9.2.2 Holographic anti-counterfeiting signs
Credit cards and quasi-credit cards should use holographic anti-counterfeiting signs.
9.2.3 Signature Strip
The signature strip appears on the back of the bank card and is reserved for the cardholder to sign. The signature strip should have a security shading text pattern, and
Has anti-aliasing function. The signature strips of credit cards and quasi-credit cards should have fluorescent anti-counterfeiting patterns.
9.3 Safety factors
9.3.1 Card verification code
The card verification code (CVN) algorithm complies with the regulations of GB/T 19584.
9.3.2 Card verification code 2
The card verification code 2 (CVN2) algorithm is the same as the CVN algorithm, but the CVN calculation factor is the main account number, expiration date and service code, CVN2 calculation
The factor is a constant defined by the main account number, expiration date and the issuing bank. CVN2 is a 3-digit number, printed on the back of the card.
9.3.3 Chip related security content
The chip-related security content complies with JR/T 0025 regulations.
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