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JR/T 0025.6-2013 English PDF (JRT0025.6-2013)

JR/T 0025.6-2013 English PDF (JRT0025.6-2013)

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JR/T 0025.6-2013: China financial integrated circuit card specifications. Part 6: Debit/credit application terminal specification
This part of JR/T 0025 describes the debit/credit transaction process from the perspective of the terminal, including the hardware requirements of the terminal, the processing details inside the terminal, the data elements used by the terminal, the command set supported by the terminal, and the like.
JR/T 0025.6-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE’S REPUBLIC OF CHINA
ICS 35.240.40
A 11
Registration number.
Replacing JR/T 0025.6-2010
China financial integrated circuit card specifications -
Part 6. Debit/credit application terminal specification
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. People’s Bank of China
3. No action is required - Full-copy of this standard will be automatically and immediately delivered to your EMAIL address in 0~60 minutes.
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 Terminal hardware requirements ... 14
5.1 Memory ... 14
5.2 Magstripe reader ... 14
5.3 IC card reader ... 14
5.4 Display ... 14
5.5 Printer ... 14
5.6 Clock ... 15
5.7 Background communication module ... 15
5.8 keyboard ... 15
5.9 Password keyboard ... 16
5.10 Terminal type ... 16
6 General requirements ... 17
6.1 Transaction Type ... 17
6.2 Transaction input method ... 17
6.3 Download management ... 17
7 Debit/credit application function ... 18
7.1 Functional overview ... 18
7.2 Application selection ... 24
7.3 Application initialization ... 36
7.4 Read application data ... 39
7.5 Offline data authentication ... 42
7.6 Processing restrictions ... 54
7.7 Card verification ... 58
7.8 Terminal risk management ... 73
7.9 Terminal behavior analysis ... 80
7.10 Card behavior analysis ... 86
7.11 Online processing ... 89
7.12 Issuer script processing ... 95
7.13 Transaction end ... 100
8 Terminal data ... 108
8.1 Data element format conventions ... 108
8.2 Terminal and acquirer datasheets ... 108
8.3 Terminal data management requirements ... 114
9 Financial transaction command ... 114
Appendix A (Normative) Terminal data element encoding ... 116
Appendix B (Normative) Transaction log read ... 124
References ... 126
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 6 of JR/T 0025.
This part was drafted in accordance with the rules given in GB/T 1.1-2009. China financial integrated circuit card specifications -
Part 6. Debit/credit application terminal specification
1 Scope
This part of JR/T 0025 describes the debit/credit transaction process from the perspective of the terminal, including the hardware requirements of the terminal, the processing details inside the terminal, the data elements used by the terminal, the command set supported by the terminal, and the like.
This clause is applicable to financial terminals, point-of-sale terminals and other similar terminal devices that support the debit/credit application as specified in JR/T 0025. The objective user is mainly the terminal design, manufacture, application system research, development, integration and
maintenance, and other departments (units) related to the application of the financial IC card.
2 Normative references
The following files are essential to the application of this file. For the dated files, only the versions with the dates indicated are applicable to this file; for the undated files, only the latest version (including all the amendments) are applicable to this file.
GB/T 2659 Codes for the representation of names of countries and regions (GB/T 2659-2000, ISO 3166-1.1997, EQV)
GB/T 12406 Codes for the representation of currencies and funds (GB/T
12406-2008, ISO 4217.2001. IDT)
GB/T 15150 Bank card originated messages- Interchange message
specifications-Content for financial transactions (GB/T 15150-1994, ISO 8583.1987, IDT)
GB/T 16649.5 Identification card - Integrated circuit(s) cards with contacts - Part 5. National numbering system and registration procedure for
application identifiers (ISO/IEC 7816-5.1994, NEQ)
GB/T 21078.1 Banking - Personal identification number management and
security - Part 1. Basic principles and requirements for online PIN handling in ATM and POS systems (ISO/IEC 1564-1.2002, MOD)
JR/T 0001 Specification of point of sale (POS) terminal with magstripe card in bank
JR/T 0025.3 China financial integrated circuit card specifications - Part 3. Specification on application independent ICC to terminal interface
requirements
JR/T 0025.4 China financial integrated circuit card specifications - Part 4. Debit/credit application overview
JR/T 0025.5 China financial integrated circuit card specifications - Part 5. Debit/credit application card specification
JR/T 0025.7 China financial integrated circuit card specifications - Part 7. Debit/credit application security specification
JR/T 0025.17 China financial integrated circuit card specifications - Part 17. Enhanced debit/credit application security specification
ISO/IEC 8859 (All parts) Preview information technology - 8-bit single-byte coded graphic character sets
3 Terms and definitions
The following terms and definitions apply to this document.
3.1
Application
Application protocols and related data sets between cards and terminals. 3.2
Command
A message sent by the terminal to the IC card that initiates an operation or requests a response.
3.3
Cryptogram
Encryption results.
3.4
system requirements. For each approved transaction, the transaction
document can be printed offline, online, or via voice authorization.
The format of printing documents is determined by each acquirer, but the following data shall be included. card number, application identifier AID, transaction date and time, and signature column.
5.6 Clock
Terminals that can handle offline transactions shall be equipped with clock modules to provide local dates and times.
Date is used for checking the validation date, expiration date, and certificate validity period in offline data authentication. Time can also be used to secure the transaction uniqueness identification and the input data used as application cryptogram generation algorithm.
5.7 Background communication module
Terminals with online communication capabilities shall be equipped with modules that communicate with the acquirer host in the background. It is used to send transaction data packets to the host for authorization or to manage the terminal by the host. In accordance with the requirements of acquirer, it can use PSTN Modem dialing, GSM, GPRS, CDMA and TCP/IP and other means.
Communication speed between the communication module and acquirer host
shall be able to meet the requirements for the real-time transmission of IC card transaction data.
5.8 keyboard
The terminal shall be equipped with a key pad for entering transaction amounts, selecting commands and executing functions. It supports the numeric keys, letter keys, command keys and function keys described in the EMV
specification. The color and layout of command keys refer to the EMV
specification. If a colored command key is used, the following color assignment is recommended.
Command key color. confirm - green; cancel - red; clear - yellow.
6 General requirements
6.1 Transaction Type
The transaction types as supported by JR/T 0025 debit/credit applications are as shown in Appendix A.3.
6.2 Transaction input method
If the card is a magstripe card, the terminal swipes the magstripe card for transaction. If the card is a chip magstripe combined card, the terminal shall first read the chip card. If the device...
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