JR/T 0055.1-2009 English PDF (JR/T0055.1-2009)

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JR/T 0055.1-2009: Technical specifications on bankcard interoperability. Part 1: Transaction processing
JR/T 0055.1-2009
JR
FINANCIAL INDUSTRY STANDARD OF
THE PEOPLE’S 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’s Bank of China
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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 su...