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JR/T 0025.13-2013 English PDF (JRT0025.13-2013)

JR/T 0025.13-2013 English PDF (JRT0025.13-2013)

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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.
JR/T 0025.13-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE REPUBLIC OF CHINA
ICS 35.240.40
A 11
Registration number.
Replacing JR/T 0025.13-2010
China financial integrated circuit card specifications -
Part 13. Low-value payment specifications
based on debit/credit application
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. PEOPLE Bank of China
Table of contents
Foreword ... 4
Introduction ... 6
1 Scope ... 7
2 Normative references ... 7
3 Terms and definitions ... 8
4 Symbols and abbreviations ... 10
5 Card and terminal technical requirements ... 11
5.1 New data element ... 11
5.2 Card offline data authentication ... 13
5.3 Cardholder verification method principle ... 13
5.4 Transaction log ... 13
5.5 Currency conversion ... 13
5.6 Data element use ... 13
5.7 Script ... 14
5.8 Load log ... 14
6 Meaning of balance ... 15
7 Function mode ... 15
7.1 EC account ... 16
7.2 Initial setting of EC account amount and card balance ... 17
7.3 Transaction ... 18
7.4 Transaction processing ... 18
7.5 Transaction flow chart ... 22
8 Adjustment of EC balance ... 24
9 Example of host logic implementation ... 25
9.1 Offline transaction ... 25
9.2 Online transaction ... 25
10 Card command ... 29
10.1 EC balance inquiry ... 29
10.2 Log inquiry ... 30
10.3 Command to get transaction log format ... 33
10.4 Update EC parameters command ... 33
Appendix A (informative) Electronic cash profile ... 35
Appendix B (Informative) Electronic cash transactions ... 42
Appendix C (Informative) Electronic cash balance and log reader ... 64 Appendix D (Informative) Card application examples ... 74
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; - Part 2. Electronic purse/electronic deposit application specification; - 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 extended application guide;
- 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 13 of JR/T 0025.
This part was drafted in accordance with the rules given in GB/T 1.1-2009. This part replaces JR/T 0025.13-2010 ?€?China financial integrated circuit card specifications - Part 13. Low-value payment specifications based on debit/credit application?€?
As compared with JR/T 0025.13-2010, the main changes of this part are as follows.
- REVISE the standard foreword;
- ADD the requirements for load log;
- DEFINE the methods of obtaining the EC balance from card during and
after the transaction on the terminal;
- DEFINE the retrieval method of the data unit in Table 1;
- DEFINE the handling of card by the terminal when the value of the tag as provided by the GAC command is inconsistent with the value of the tag as provided by the GPO command;
- DELETE the references.
- REVISE the textual description error in the original specification.
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 drafters 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 UnionPay Co., Ltd., China Financial Electronics Company, Bank Card Testing 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 0025.13-2010.
Introduction
This part is part 13 of JR/T 0025, which, together with parts 4 to 7, constitute the low-value payment based on debit/credit application. This part mainly defines the content related to low-value payment, that is, the technical implementation of low-value payments and the types of transactions supported. Those which is not specially described in this part is consistent with standard debit/credit applications, AND the relevant requirements are described in JR/T 0025.4 to JR/T 0025.7 and JR/T 0025.17.
China financial integrated circuit card specifications -
Part 13. Low-value payment specifications
based on debit/credit application
1 Scope
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.
This part applies to the bank issued and accepted debit/credit financial IC card having low-value payment functions. The objective user is mainly the card design, manufacture, management, issuance and acceptance, application
system research, development, integration and maintenance, and other
departments (units) related to the application of the financial debit/credit IC card. 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.
GB/T 12406 Codes for the representation of cur...

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