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JR/T 0025.12-2013 English PDF (JRT0025.12-2013)

JR/T 0025.12-2013 English PDF (JRT0025.12-2013)

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JR/T 0025.12-2013: China financial integrated circuit card specifications. Part 12: Contactless integrated circuit card payment specification

This Part of JR/T 0025 describes the application of contactless integrated circuit card and provides the requirements for the contactless payment application (qPBOC) of the fast debit/credit.
JR/T 0025.12-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE REPUBLIC OF CHINA
ICS 35.240.40
A 11
Record number.
Replacing JR/T 0025.12-2010
China financial integrated circuit card specifications -
Part 12. Contactless integrated circuit card
payment specification
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. PEOPLE Bank of China
Table of Contents
Foreword ... 4
Introduction ... 7
1 Scope ... 8
2 Normative references ... 8
3 Terms and definitions ... 9
4 Symbols and abbreviations ... 11
5 Overview of contactless implementation method ... 14
5.1 Contactless payment pattern ... 14
5.2 Interoperability of contactless standard debit/credit with qPBOC ... 15 5.3 Overall processing overview ... 15
6 General requirements for qPBOC ... 19
6.1 General requirements ... 19
6.2 Processing requirements before contactless interface (terminal to
support qPBOC) is activated ... 22
6.3 Card testing and process requirements ... 24
6.4 Application selection requirements ... 25
6.5 Requirements for initial application processing ... 29
6.6 Transaction time ... 32
6.7 Personalization ... 32
7 Requirements for qPBOC ... 32
7.1 qPBOC Functions Based on Debit/Credit Function ... 33
7.2 qPBOC processing overview ... 33
7.3 Requirements of qPBOC about PDOL ... 34
7.4 Card receiving GPO command ... 36
7.5 Requirements for qPBOC card ... 40
7.6 Requirements for qPBOC terminal ... 41
7.7 Risk management process of qPBOC card ... 43
7.8 Request of qPBOC terminal processing ... 72
7.9 Simplification function of qPBOC ... 76
7.10 Requirements for cryptogram version 17 ... 77
Annex A (informative) Comparison between qPBOC and debit/credit application ... 78
Annex B (normative) Fast DDA ... 82
Annex C (normative) Data element ... 87
Annex D (normative) Issuer Defined Data in "9F10" ... 93
Annex E (normative) Cryptogram version 17... 97
Bibliography ... 99
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 12 of JR/T 0025.
This Part was drafted according to the rules specified in GB/T 1.1-2009. This Part replaces JR/T 0025.12-2012 "China financial integrated circuit card specifications - Part 12. Contactless integrated circuit card payment specification". Compared with JR/T 0025.12-2010, this Part has the main changes as follows. - Standard foreword is amended;
- All MSD-related contents are deleted;
- The requirements of the card for online when the Authorized Amount is zero are deleted to be compatible with the newly-added qPBOC expansion application; - "PBOC application" in the original specification is changed into the more exact description "debit/credit application";
- The transaction log is recorded optionally by the card issuer instead of no recording;
- The requirements for 9F63 are added in the card online GPO response data to accommodate the increasing application demands;
- The counter increase and comparison method is modified in 7.7.13 to keep consistent with those in JR/T 0025.5;
- It was defined that GPO response shall comply with Format 2 in JR/T 0025.5; - The requirements of Issuer Defined Data in 9F10 are defined;
- The acquirement and alter mode of TAG in Annex C.1 are defined;
- The length of the last record of qPBOC offline transaction is defined; - The correction of typesetting and words description in the original specification is carried out.
- The original fDDA signature method is defined as version "00" and version "01" fDDA signature method is added. The Card Authentication Related Data (Tag ?€?9F69?€?) gets involved in the signature in version "01" is added and two versions of fDDA are marked.
This Part is proposed by the People's Bank of China.
This Part is under the jurisdiction of the National Technical Committee on Financial of Standardization Administration of China (SAC/TC 180).
Chief 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, Shanghai Pudong Development Bank, Postal Savings Bank of China, China UnionPay, China Financial Computerization Corp., Bank Card Test Center, Zhongchao Credit Card Industry Development Co., Ltd., Giesecke and Devrient (China) Technology Co., Ltd., VeriFone (China) Inc., Fujian Landi Commercial Equipment Co., Ltd.
Chief drafting staff 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, Yu Yining, Zeng Jingjing, Chen Zhenyu, Zheng Yuanlong, Nie Shu, Ding Ji, Bai Xuejing, Li Zida, Shen Zhuoqun, Liu Shiying, Yu Haitao, Weng Xiucheng
The previous version of the standard replaced by this Part is as follows. - JR/T 0025.12-2010.
Introduction
This Part is Part 12 of JR/T 0025 and constitutes the contactless application together with JR/T 0025.8 and JR/T 0025.11.
This Part mainly defines the financial payment application based on the contactless interface. The physical characteristics, radio-frequency power and signal interface as well as the requirements for initialization, collision detection and transport protocol are not specified in this Part. The related requirements are described in JR/T 0025.8 and JR/T 0025.11.
China financial integrated circuit card specifications -
Part 12. Contactless integrated circuit card
payment specification
1 Scope
This Part of JR/T 0025 describes the application of contactless integrated circuit card and provides the requirements for the contactless payment application (qPBOC) of the fast debit/credit.
This Part is applicable to the financial contactless integrated circuit card issued or received by the banks. The using objects are mainly the relevant departments for such card design, manufacture, management, issuance and acceptance and those for the development, integration and maintenance of the application system.
2 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 versions of the normative documents (including all the amendments) are applicable to this document.
JR/T 0025.3 China financial integrated circuit card specifications - Part 3. Application independent ICC to terminal interface requirements
JR/T 0025.4 China financial integrated circuit card specifications - Part 4. Debit/credit application specifications
JR/T 0025.5 China financial integrated circuit card specifications - Part 5. Debit/credit application card specifications
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 specifications
JR/T 0025.8 China financial integrated circuit card specifications - Part 8. Contactless specification independent of application
JR/T 0025.10 China financial integrated circuit card specifications - Part 10. Debit/credit card personalization guide
JR/T 0025.11 China financial integrated circuit card specifications - Part 11. Contactless integrated circuit card communication specifications
JR/T 0025.13 China financial integrated circuit card specifications - Part 13. Low- value payment specifications based on debit/credit application
JR/T 0025.17 China financial integrated circuit card specifications - Part 17. Enhanced debit/credit application security specifications
3 Terms and definitions
For the purposes of this document, the following terms and definitions apply. 3.1
Application file locator
Used to indicate application related file position and recording range. 3.2
Application interchange profile
To demonstrate the card-supporting functions.
3.3
Card
In this Part, the "card" refers to the consumer device interchanging with the payment terminal and equipped with the contactless payment application.
The term ?€?card?€?, originally, refers to the payment card with the same size as the traditional credit cards, but in this Part, it refers to any consumer device capable of operation processing through the contactless interface (such as mobile telephone or PDA).
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