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JR/T 0025.15-2013 English PDF (JRT0025.15-2013)

JR/T 0025.15-2013 English PDF (JRT0025.15-2013)

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JR/T 0025.15-2013: China financial integrated circuit card specifications. Part 15: Electronic cash dual-currency payment specification

This Part describes how to realize the relevant information of electronic cash dualcurrency payment function on the PBOC debit/credit card. In addition, it also provides the overview of each component of dual-currency electronic cash payment different from the single-currency electronic cash function, including application procedure, terminal function, etc.
JR/T 0025.15-2013
JR
FINANCIAL INDUSTRY STANDARD OF
THE PEOPLE REPUBLIC OF CHINA
ICS 35.240.40
A 11
Record No..
China Financial Integrated Circuit
Card Specifications ?€? Part 15. Electronic
Cash Dual-Currency Payment Specification
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. PEOPLE Bank of China
Table of Contents
Foreword ... 3
Introduction ... 5
1 Scope ... 6
2 Normative References ... 6
3 Terms and Definitions ... 7
4 Symbols and Abbreviations ... 8
5 Technical Requirements for Dual-Currency Electronic Cash ... 9
5.1 Newly-increased data elements of dual-currency electronic cash ... 10 5.2 Dual-currency electronic cash base on debit/credit application ... 10 5.3 qPBOC-based dual-currency electronic cash ... 14
5.4 Card command ... 17
5.5 Query of dual-currency electronic cash balance ... 19
Foreword
JR/T 0025 China Financial Integrated Circuit Card Specifications can be divided into the following parts.
--- Part 1. Electronic purse/Electronic Deposit Application Card Specification (Obsolete);
--- Part 2. Electronic Purse/Electronic Deposit Application Specification (Obsolete); --- Part 3. Specification on Application Independent IC 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 Specification;
--- Part 8. Contactless Specification Independent of Application;
--- Part 9. Electronic Purse Extended Application Guide (Obsolete);
--- 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 belongs to Part 15 of JR/T 0025.
This Part was drafted as per the rules specified in GB/T 1.1-2009.
This Part was proposed by PEOPLE Bank of China.
This Part shall be under the jurisdiction of National Technical Committee for Standardization of Finance (SAC/TC180).
Drafting organizations of this Part. PEOPLE Bank of China, Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, Postal Savings Bank of China, China UnionPay Co., Ltd., China Financial Computerization Corp., Banking Card Test Center, ZhongChao CreditCard Industry Development Co., Ltd., G and D (China) Information Technologies Co. Ltd., VeriFone (China) Information System Co., Ltd., and Fujian Landi Commercial Equipment Co. Ltd.
Chief drafting staffs of this Part. Wang Yonghong, Li Xiaofeng, Lu ShuChun, Pan Runhong, Du Yu, 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, Chen Zhenyu, Zheng Yuanlong, Nie Shu, Ding Ji, Bai Xuejing, Li Zida, Shen Zhuoqun, Liu Shiying, Yu Haitao, and Weng Xiucheng.
This Part was first-time published.
Introduction
This Part belongs to Part 15 of JR/T 0025; together with Part 4, Part 5, Part 6, Part 7, Part 12 and Part 13 of JR/T 0025, they compose of the Debit/Credit-Based Electronic Cash Dual-Currency Payment Application.
This Part mainly defines the electronic cash dual-currency payment application card contents, specifically includes card data elements, security mechanisms and relevant business processes.
This Part aims to define the dual-currency electronic cash function, realization technology and application examples.
China Financial Integrated Circuit
Card Specifications ?€? Part 15. Electronic
Cash Dual-Currency Payment Specification
1 Scope
This Part describes how to realize the relevant information of electronic cash dual- currency payment function (hereinafter referred to as dual-currency electronic cash) on the PBOC debit/credit card. In addition, it also provides the overview of each component of dual-currency electronic cash payment different from the single-currency electronic cash function, including application procedure, terminal function, etc. This Part is applicable to the dual-currency electronic cash IC card based on financial debit/credit regulations issued or accepted by bank. The use objects mainly include card design, manufacture, management, issuance, acceptance relevant to the financial debit/credit IC card; as well as the relevant manufacture, R and D, integration and maintenance departments (organizations) of the application system.
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 5. Debit/Credit Application Card Specification
JR/T 0025.6 China Financial Integrated Circuit Card Specifications ?€? Part 6. Debit/Credit Application Terminal Specification
JR/T 0025.12 China Financial Integrated Circuit Card Specifications ?€? Part 12. Contactless Integrated Circuit Card Payment Specification
JR/T 0025.13 China Financial Integrated Circuit Card Specifications ?€? Part 13. Low-Value Payment Specifications Based on Debit/Credit Application
3 Terms and Definitions
The following terms and definitions are applicable to this document.
3.1 Application
The application protocol and relevant data between card and terminal.
3.2 Command
The terminal issues a message towards the IC card; such message starts an operation or requests a response.
3.3 Dual currency electronic cash
Set two kinds of currency codes into the card; the first currency and the second currency; the transaction shall be performed through matching currency codes with terminal.
3.4 Electronic cash (EC)
Achieve the micro-payment function based on the debit/credit application. 3.5 Electronic cash (EC) [Translator Note. here it should be Standard Electronic Cash (SEC)]
The same definition as the electronic cash; mainly used for distinguishing the electronic cash transition of the second currency.
3.6 Electronic cash balance
A counter that represents the amount on the card that can be consumed offline. 3.7 Electronic cash funds limit
Card data represents the maximum amount that the card holder can consume offline. 3.8 EC secondary
The card selects the relevant data element of the second currency.
3.9 First currency
The currency type identified by the Application Currency Code (Tag ?€?9F51?€?). 3.10 Payment system environment
When the payment system application conforming to JR/T 0025 is selected, the logical condition set established in IC card.
3.11 quick PBOC (qPBOC)
The quick debit/credit application; this part is used for distinguishing the second currency electronic cash transaction based on qPBOC.
3.12 Response
The message returned to the terminal after IC card processes and finishes the received command message.
3.13 Second currency
The currency type, against the first currency, identified by the EC Secondary Application Currency Code (Tag ?€?DF71?€?); namely, the newly-increased data element inside the card.
3.14 Script
The issuer sends the command or command sequence towards the terminal, aims to continuously enter the command to the IC card.
3.15 Terminal
The equipment installed on the transaction point jointly finishes the financial transaction through cooperating the IC card. It may include interface device, may also include other components and interface (such as communication with the host computer).
4 Symbols and Abbreviations
The expressions of the following symbols and abbreviations are applicable to this document of JR/T 0025.
AFL - Application File Locator
AID ?€? Application Identifier
AIP ?€? Application Interchange Profile
Cn - Compressed Numeric
CVM ?€? Cardholder Verification Method
CTTA ?€? Cumulative Total Transaction Amount
CTTAL ?€? Cumulative Total Transaction Amount Limit
PDOL ?€? Processing options Data Object List
EC ?€? Electronic Cash
FCI ?€? File Control Information
GPO ?€? Get Processing Options
GAC ?€? Generate AC
IC ?€? Integrated Circuit
IDD ?€? Issuer Defined Data
M ?€? Mandatory
MAC ?€? Message Authentication Code
N ?€? Numeric
O ?€? Optional
P1 ?€? Parameter 1
P2 ?€? Parameter 2
qPBOC ?€? quick PBOC
5 Technical Requirements for Dual-Currency
Electronic Cash
Dual-currency electronic cash indicates, based on standard electronic cash and qPBOC, in...

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