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JR/T 0025.10-2013 English PDF (JRT0025.10-2013)

JR/T 0025.10-2013 English PDF (JRT0025.10-2013)

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JR/T 0025.10-2013: China financial integrated circuit card specifications. Part 10: Debit/credit card personalization guide

This part of JR/T 0025 describes the personalization command unique to China financial IC card debit/credit application, the definition of a unique data grouping identifier (DGI), and the security-related requirements for personalization.
JR/T 0025.10-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE REPUBLIC OF CHINA
ICS 35.240.40
A 11
Registration number.
Replacing JR/T 0025.10-2010
China financial integrated circuit card specifications -
Part 10. Debit/credit card personalization guide
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. PEOPLE Bank of China
Table of Contents
Foreword ... 3
1 Scope ... 6
2 Normative references ... 6
3 Symbols and abbreviations ... 7
4 Personalization process overview ... 9
4.1 Initialization ... 9
4.2 Data preparation ... 10
4.3 Personalization device processing ... 10
4.4 Debit/credit application processing ... 10
5 Initialization ... 11
6 Data preparation ... 13
6.1 Overview ... 13
6.2 Create personalization data ... 13
6.3 Recording format ... 15
6.4 China financial integrated circuit (IC) card data group ... 15
6.5 Rules that must be followed for personalization data ... 21
7 China financial integrated circuit (IC) card debit/credit application requirements ... 22
8 Security regulations ... 23
8.1 Security overview ... 23
8.2 Initialization security ... 23
8.3 Key definition ... 25
8.4 Management requirements ... 27
8.5 Security module ... 38
8.6 Risk audit ... 39
References ... 40
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 10 of JR/T 0025.
This part was drafted in accordance with the rules given in GB/T 1.1-2009. This part provides guidance on the personalization of financial debit/credit cards.
This part replaces JR/T 0025.10-2010 ?€?China financial integrated circuit card specifications - Part 10. Debit/credit card personalization guide?€?.
As compared with JR/T 0025.10-2010, the main changes of this part are as follows.
- REVISE the standard foreword;
- ADD clause 6.5 ?€?Rules that must be followed for personalization data?€?; As compared with JR/T 0025.10-2005, the main changes of this part are as follows.
- RE-DRAFT the standard foreword;
- CHECK the appearance of ?€?normative references?€? and ?€?symbols and
abbreviations?€? in the main text; DELETE directly those which are not
appeared and MODIFY or IMPROVE those which are appeared;
meanwhile, INCLUDE the reference documents into the reference;
- CLARIFY the non-standard descriptions in the standard, and MAKE
reference to the other parts of JR/T 0025 to UNIFY it.
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 Union Pay Co., Ltd., China Financial Electronic Company, Bank Card Test Center, Banknote Credit Card Industry Development Co., Ltd., G and D (China) 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 Zendong, 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 0025.10-2005;
- JR/T 0025.10-2010.
China financial integrated circuit card specifications -
Part 10. Debit/credit card personalization guide
1 Scope
This part of JR/T 0025 describes the personalization command unique to
China financial IC card debit/credit application, the definition of a unique data grouping identifier (DGI), and the security-related requirements for
personalization.
This part is intended for China financial integrated circuit (IC) card debit/credit cards issued or accepted by banks, to provide guidance to data preparation system providers and personalization centers in defining the data preparation phase requirements. At the same time, it can also provide reference for the designer to design default files and record structure. This part can also be referred to when personalizing other applications.
2 Normative references
The following documents are essential to the application of this document. For the dated documents, only the versions with the dates indicated are applicable to this document; for the undated documents, only the latest version (including all the amendments) are applicable to this document.
JR/T 0025.5 China financial integrated circuit card specifications - Part 12. Debit/credit application card specification
JR/T 0025.12 China financial integrated circuit card specifications - Part 12. Contactless Integrated Circuit Card Payment Specification
JR/T 0025.17 China financial integrated circuit card specifications - Part 17. Enhanced debit/credit application security specification
GM/T 0002 SM4 block cipher algorithm
GM/T 0003 Public key cryptographic algorithm SM2 based on elliptic curves GM/T 0004 SM3 password hashing algorithm
GM/T AAAA SM2 password algorithm using specifications
ISO 9807 Banking and related financial services; requirements for message authentication (retail)
3 Symbols and abbreviations
The following symbols and abbreviations apply to this document.
ADA. Application Default Action
ATC. Application Transaction Counter
AuthC. Authorization Controls
BIN. Bank Identification Number
CA. Certificate Authority
CAM. Card Authentication Method
CBC. Cipher Block Chaining
CDA. Combined DDA/AC Generation
CDOL. Card Risk Management Data Object List
CID. Cryptographic Information Data
C-MAC. Command-Message Authentication Code
CVM. Cardholder Verification Method
DDA. Dynamic Data Authentication
DDOL. Dynamic Data Authentication Data Object List
DEK/TK. Data Encryption Key
DES. Data Encryption Standard
DGI. Data Grouping Identifier
EMV. Europay, MasterCard and Visa
ENC MDK. Master Data Encipherment Key
ENC UDK. Unique Data Encipherment Key
HSM. Hardware Security Module
IAC. Issuer Action Code
IC. Integrated Circuit
ICC. Integrated Circuit (s) Card
ISO. International Organization for Standardization
ISS. Issuer
KEK/TK. Key Exchange Key / Transport K...

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