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See Chinese contents: JR/T 0025.13-2013 JR/T 0025.13-2013: China financial integrated circuit card specifications. Part 13: Low-value payment specifications based on debit/credit application
This part of JR/T 0025 describes relevant information on how to implement the low-value payment function (i.e. electronic cash) on a debit/credit card AND provides a functional overview of electronic cash, including card applications, terminal functions, and issuer system example, AND the background account processing of the issuer is beyond the scope of this part.
