JR/T 0025.5-2013 English PDF (JR/T0025.5-2013)

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JR/T 0025.5-2013: China financial integrated circuit card specifications. Part 5: Debit/credit application card specification
JR/T 0025.5-2013
JR
FINANCIAL INDUSTRY STANDARD
OF THE PEOPLE’S REPUBLIC OF CHINA
ICS 35.240.40
A 11
Record number.
Replacing JR/T 0025.5-2010
China financial integrated circuit card specifications -
Part 5. Debit/credit application card specification
ISSUED ON. FEBRUARY 05, 2013
IMPLEMENTED ON. FEBRUARY 05, 2013
Issued by. People’s Bank of China
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Table of Contents
Foreword ... 6
Introduction ... 8
1 Scope ... 9
2 Normative references ... 9
3 Terms and definitions ... 10
4 Symbols and abbreviations ... 12
5 Overview ... 15
5.1 Function overview ... 15
5.2 Mandatory and optional functions ... 20
6 Application selection ... 23
6.1 Card data ... 23
6.2 Terminal data ... 24
6.3 Command ... 25
6.4 Establish candidate application list ... 26
6.5 Determination and selection application ... 28
6.6 Flow diagram ... 28
6.7 Subsequent processing ... 31
7 Application initialization ... 31
7.1 Card data ... 31
7.2 Terminal data ... 32
7.3 Command ... 32
7.4 Processing flow ... 33
7.5 Preliminary processing ... 35
7.6 Subsequent processing ... 35
8 Read the application data ... 35
8.1 Card data ... 35
8.2 Terminal data ... 36
8.3 Command ... 36
8.4 Processing flow ... 36
8.5 Preliminary processing ... 37
8.6 Subsequent processing ... 37
9 Offline data authentication ... 37
9.1 Key and certificate ... 37
9.2 Method to determine offline data authentication ... 38
9.3 Static Data Authentication ... 38
9.4 Static data authentication ... 40
9.5 Preliminary processing ... 44
9.6 Subsequent processing ... 44
10 Processing limit ... 45
10.1 Card data ... 45
10.2 Terminal data ... 46
10.3 Processing flow ... 46
10.4 Preliminary processing ... 48
10.5 Subsequent processing ... 48
11 Cardholder verification ... 48
11.1 Card data ... 48
11.2 Terminal data ... 51
11.3 Command ... 51
11.4 Processing flow ... 52
11.5 Preliminary processing ... 56
11.6 Subsequent processing ... 56
12 Terminal risk management ... 57
12.1 Card data ... 57
12.2 Terminal data ... 58
12.3 Command ... 58
12.4 Processing flow ... 59
12.5 Preliminary processing ... 60
12.6 Subsequent processing ... 60
13 Terminal action analysis ... 61
13.1 Card data ... 61
13.2 Terminal data ... 62
13.3 Command ... 62
13.4 Processing flow ... 63
13.5 Preliminary Processing Read the application data ... 63
13.6 Subsequent Processing Card action analysis ... 63
14 Card action analysis ... 63
14.1 Card data ... 64
14.2 Terminal data ... 66
14.3 Command ... 67
14.4 Processing flow ... 67
14.5 Response cryptogram provided by the card... 74
14.6 Flow diagrams ... 77
14.7 Preliminary processing ... 83
14.8 Subsequent processing ... 84
15 Online processing ... 84
15.1 Card data ... 84
15.2 Online response data ... 85
15.3 Command ... 86
15.4 Processing flow ... 86
15.5 Flow diagram ... 88
15.6 Preliminary processing ... 88
15.7 Subsequent processing ... 89
16 Transaction termination ... 89
16.1 Card data ... 89
16.2 Terminal data ... 92
16.3 Command ... 92
16.4 Processing flow ... 93
16.5 GENERATE AC command receiving ... 94
16.6 Online authorization transaction ... 94
16.7 Requesting for online operation, but online authorization is not completed
... 99
16.8 Combined DDA/GENERATE AC response ... 104
16.9 Flow diagrams ... 105
16.10 Preliminary processing ... 110
16.11 Subsequent processing ... 111
17 Issuer script processing ... 111
17.1 Card data ... 111
17.2 Terminal data ... 112
17.3 Key management in the issuer script operations ... 113
17.4 Authentication response data ... 114
17.5 Commands ... 114
17.6 Processing flow ... 117
17.7 Previous processing online operation ... 120
17.8 Subsequent processing ... 121
18 Transaction log recorded by the card ... 121
18.1 Record file for the transaction log... 121
18.2 Recommendations of JR/T 0025 ... 122
Annex A (normative) Data element lists of the card and the issuer ... 124
Annex B (normative) Command specifications - Descriptions of commands
supported by the card ... 165
Annex C (normative) Security message ... 188
Annex D (normative) Authentication keys and algorithms ... 198
Annex E (normative) Supported cryptogram version ... 207
Annex F (normative) Algorithm identifiers ... 208
Bibliography ... 209
Foreword
JR/T 0025 consists of the parts as follows in the general name of “China financial
integrated circuit card specifications”.
- Part 1. Electronic Purse/Electronic Deposit Card Specification (abolished);
- Part 2. Electronic Purse/Electronic Deposit Application Specification (abolished);
- Part 3. Application Independent ICC to Terminal Interface Requirements;
- Part 4. Debit/credit Application Specifications;
- Part 5. Debit/Credit Application Card Specifications;
- Part 6. Debit/Credit Application Terminal Specifications;
- Part 7. Debit/Credit Application Card Security Specifications;
- Part 8. Contactless Specification Independent of Application
- Part 9. Electronic Purse Extended Application Guide (abolished);
- Part 10. Debit/Credit card Personalization Guide;
- Part 11. Contactless Integrated Circuit Card Communication Specifications;
- 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 Specifications;
- Part 16. IC Card Internet Terminal Specifications;
- Part 17. Enhanced Debit/Credit Application Security Specifications.
This Part is Part 5 of JR/T 0025.
This Part was drafted according to the rules specified in GB/T 1.1-2009.
This Part replaces JR/T 0025.5-2010 "China financial integrated circuit card
specifications - Part 5. Debit/credit application card specification".
Compared with JR/T 0025. 5-2010, this Part has the following major changes.
China financial integrated circuit card specifications -
Part 5. Debit/credit application card specification
1 Scope
This Part of JR/T 0025 describes the debit/credit flow from the card angle, including
the processing detail in the card, card data element and card supporting instruction
set.
This Part is applicable to the financial debit/credit integrated circuit card issued or
accepted by the banks. Those using this Part are mainly the relevant departments
(organizations) for such card design, manufacture, management, issuance and
acceptance and for the development, integration and maintenance of the application
system.
2 Normative references
The following referenced documents are indispensable for the application of this
document. For dated references, only the edition cited applies. For undated references,
the latest editions of the normative documents (including all the amendments) are
applicable to this document.
GB/T 2659 Codes for the Representation of Names of Countries and Regions (GB/T
2659-2000, ISO 3166-1. 1997, EQV)
GB/T 4880.1 Codes for the Representation of Names of Language - Part 1. Alpha-
2 code (GB/T 4880.1-2005, ISO/IEC 639-1. 2002, MOD)
GB/T 12406 Code...