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JR/T 0055.1-2009 English PDF (JRT0055.1-2009)

JR/T 0055.1-2009 English PDF (JRT0055.1-2009)

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JR/T 0055.1-2009: Technical specifications on bankcard interoperability. Part 1: Transaction processing

This part of the standard specifies the bankcard interbank transaction processing and handling principles. This part of the standard applies to all exchange centers, acquirer, issuer and other institutions for bankcard interbank transaction.
JR/T 0055.1-2009
JR
FINANCIAL INDUSTRY STANDARD OF
THE PEOPLE REPUBLIC OF CHINA
ICS
Registration number.
Technical specifications on bankcard interoperability -
Part 1. Transaction processing
ISSUED ON. JUNE 01, 2009
IMPLEMENTED ON. JULY 01, 2009
Issued by. PEOPLE Bank of China
3. No action is required - Full-copy of this standard will be automatically & immediately delivered to your EMAIL address in 0~60 minutes.
Table of Contents
Foreword ... 3
1 Scope .. 4
2 Terms and definitions ... 4
3 General processing flow of transaction .. 6
3.1 General processing flow of online transaction ... 6
3.2 General processing flow of offline transactions ... 9
3.3 General processing flow of manual transactions .. 9
4 Transaction specific processing flow and processing requirements .. 9 4.1 Financial transactions ... 10
4.2 Error processing transactions ... 19
4.3 Management transaction .. 21
References ... 25
Foreword
JR/T 0055 ?€?Technical specifications on bankcard interoperability?€? consists of the following 5 parts.
-- Part 1. Transaction processing;
-- Part 2. Message interface;
-- Part 3. File data format;
-- Part 4. Data secure transmission control;
-- Part 5. Communication interface.
This part is part 1 of JR/T 0055.
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.
The responsible drafting organizations of this part. People's Bank of China Science and Technology Division, China UnionPay Co., Ltd.
The participating drafting organizations of this part. Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Huaxia Bank, China Financial Electronics Co., Ltd., Bank Card Testing Center.
The main drafters of this part. Jiang Yunbing, Du Ning, Huang Faguo, Li Jie, Wan Gaofeng, Lu Erdong, Shi Dapeng, Lin Song, Zeng Zheng, Deng Lifeng,
Cao Ying, Ma Xiaoqiong, Liu Zhigang.
Technical specifications on bankcard interoperability -
Part 1. Transaction processing
1 Scope
This part of the standard specifies the bankcard interbank transaction
processing and handling principles.
This part of the standard applies to all exchange centers, acquirer, issuer and other institutions for bankcard interbank transaction.
2 Terms and definitions
The following terms and definitions apply to this part.
2.1
Bank card
Payment tools issued by the commercial banks and other financial
institutions to the community, with all or part of functions of consumer credit, transfer settlement, access to cash, and so on.
2.2
Switching center
The institution completing bank card interbank transaction information
transfer and clearing data collection, sorting and issuing functions.
2.3
Acquirer
A financial institution (or its agent) that obtains transaction-related data from the card acceptor and introduces the data to a switching center.
2.4
Card acceptor
The party who accepts the card and provides the receiving party with the transaction data,
It refers to the party of fund transfer-out in the transfer transaction. 2.12
Transfer-in
It refers to the party of fund transfer-in in the transfer transaction. 3 General processing flow of transaction
Based on the transaction processing, the transaction can be divided into online type, manual type and offline type. This part defines the general processing of these three types of transactions.
3.1 General processing flow of online transaction
Depending on whether the success of the transaction relies on the approval of the transaction acceptor, the online transaction can be divided into the request type and the advice type.
3.1.1 Request transaction
3.1.1.1 Basic requirements for request transaction
The request transaction is sent from the requester of the transaction (such as the acquirer) to the receiver (such as the issuer), informing the other party of the transaction being in progress, and asking the other party to send a response after the transaction is completed. After receiving the transaction request, the receiver shall directly respond with the transaction approval or rejection. If the receiver of the transaction is not the final receiving institution of the transaction, the receiver is responsible for forwarding the transaction to the next receiving institution.
It is not allowed for the request transaction to be automatic repeated sent. The general process of request transactions is divided into two categories. transferred through the switching center, directly processed and finished by the switching center.
3.1.1.2 Request transaction through exchange center transfer
Note. Either the sender or the receiver is the switching center.
Figure 4 -- General processing flow of advice transaction directly
processed and finished by switching center
3.1.2.4 Storage and forward mechanism of advice transaction message
The following two situations may exist in online transaction process.
- The sender cannot send the message to the receiver.
- The sender cannot receive the response from the receiver after sending the message.
When one of the above two conditions occurs, the sender may place the
message in the store-and-forward queue, repeat the sending at regular
intervals for a certain number of times before the sender system starts cutoff. If the response is still not received, the sending is stopped. If there is an uneven account between the sender and the receiver, it is solved through error disposal. This disposal method is called store-and-forward mechanism.
The store-and-forward mechanism is only used when sending some advice
message.
3.2 General processing flow of offline transactions
This standard does not yet define a specific offline transaction, so its general processing flow is temporarily undefined.
3.3 General processing flow of manual transactions
The processing flow of manual transactions depends on the specific
implementation of the system. All parties involved in the transaction can agree on the manual transaction processing flow. However, it shall not exceed or violate the relevant provisions of this standard on the manual transaction. 4 Transaction specific processing flow and
processing requirements
In accordance with the function of the transaction, transactions can be divided into financial transactions, error transactions and management transactions. This part details the specific processing flow and processing requirements of each transaction.
The transaction the request transaction subject to the exchange center transfer, the transaction process is as shown in Figure 1.
The transaction is to participate in settlement.
The transaction can trigger a reversal advice.
4.1.5 Pre-authorization
It refers to the process of requesting payment commitment by the card acceptor from the issuer on the expected payment amount of the cardholder through such channels as POS terminal. This transaction only controls the amount available to the cardholder, it does not imply payment or billing from the cardholder's account at the approved transaction amount. An approved pre- authorization transaction is valid only for a limited period of time.
The transaction is completed by a pre-authorized transaction to complete the settlement of funds.
The transaction the request transaction subject to the exchange center transfer, the transaction process is as shown in Figure 1.
The transaction does not participate in the settlement.
The transaction can trigger a reversal advice.
4.1.6 Pre-authorization revocation
It refers to the process of card acceptor requesting the issuer to cancel the payment process within the valid period of pre-authorization transaction for the successfully finished pre-authorization transaction online due to a variety of reasons.
The transaction the request transaction subject to the exchange center transfer, the transaction process is as shown in Figure 1.
The transaction does not participate in the settlement.
The transaction can trigger a reversal advice.
4.1.7 Pre-authorization completion (request)
It refers to the process of the card acceptor to finish the cardholder payment through such channels as POS terminals within the range of the pre-
authorization amount or within the range that the pre-authorization amount is exceeded by a certain proportion for the approved pre-authorization transaction. reversal advice to the next receiving institution (the institution to which the original transaction is sent).
Depending on the actual conditions, the transaction may be either an advice transaction transferred by a switching center (transaction process is as shown in Figure 3) or an advice transaction completed directly by the switching center (transaction process is as shown in Figure 4).
The transaction is to participate in settlement.
When the sender of the reversal advice cannot receive response, it shall perform store-and-forward. The reversal shall be with the same date of
settlement as the original transaction.
4.1.11 Sales return (online)
It refers to the process of the card acceptor to return all or part of the deducted amount back to the original deduction account of the cardholder due to goods return or service cancellation.
The transaction is advice transaction transferred by the switching center, the transaction process is as shown in Figure 3.
The transaction is to participate in settlement.
The transaction does not trigger reversal advice, it can be stored and forwarded. 4.1.12 Transfer
It refers to the process of inter-bankcard amount transfer by the cardholder through such channels as ATM.
The transaction is a request transaction transferred by the switching center, but because of the more involved roles in the transaction, the general processing flow of the transfer transaction is as shown in Figure 53.
3 For the transfer transaction in this standard, the acquirer may be either the transfer-in or the transfer-out; meanwhile, the transfer-in and the transfer-out can also be the same party. The transfer transaction is settled as a successful transaction. If there are still unbalanced funds, it is settled by error processing.
4.1.15 Manual pre-authorization revocation
Revocation of pre-authorization transactions is done manually rather than online.
The transaction does not participate in the settlement.
4.1.16 Manual pre-authorization completion
Settlement of pre-authorization transactions is done manually rather than online. The transaction is to participate in the settlement, reflected in the ordinary transaction details file.
4.1.17 Manual return
Return is done manually rather than online.
This transaction is to participate in settlement, reflected in the error transaction details file.
4.2 Error processing transactions
This standard only supports manual type error transactions. The specific process is agreed upon by the parties involved in the transaction.
4.2.1 Order transfer
The issuer accesses to the original certificate photocopy through the switching center to the acquirer, deciding whether to make refunding or other processing. 4.2.2 Order transfer reply
The acquirer feedbacks the original certificate photocopy of the relevant transactions through the switching center to the issuer.
4.2.3 Inquiry confirmation
One party of the transaction inquires the relevant information of the transaction through the switching center to the other party.
4.2.4 Credit adjustment
One party of the transaction actively proposes refunding for t...

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