最新高清版ISO14443 1-2-3-4规范
最新版ISO14443 1/2/3/4规范,非扫描件,高清哦,4册打包下载,只卖5分,只卖5分,你还在等什么?
销售点终端(POS)应用规范(QCUP 009.1-2010)
前 言 ............................................................. ................. 2
1 范围 ............................................................ .................... 3
2 规范性引用文件 ....................................................... ............... 3
3 术语和定义 ......................................................... ................. 4
3.1 银行卡 bank card ............................................................... .... 4
3.2 磁条卡 magnetic stripe card........................................................... 4
3.3 集成电路卡( IC 卡) integrated circuit(s) card (ICC)....................................... 4
3.4 销售点终端 point of sale; POS ....................................................... 4
3.5 POS 中心 POS center ............................................................... . 4
3.6 特约商户 merchant .............................................................. ... 4
3.7 持卡人 card holder............................................................... ... 4
3.8 发卡机构 issuer .............................................................. ...... 4
3.9 收单机构 acquirer .............................................................. .... 4
3.10 交易批次号 batch number ........................................................... 4
3.11 主账号 primary account number ...................................................... 4
3.12 个人标识码 personal identification number; PIN ....................................... 5
3.13 报文鉴别码 messang authentication code; MAC ........................................ 5
3.14 安全控制信息 security control related information ....................................... 5
3.15 密钥加密密钥 key encryption key; KEK ............................................. 5
3.16 工作密钥 working key; WK ........................................................ 5
3.17 EMV Europay MasterCard VISA ..................................................... 5
3.18 应用标识 application identifier; AID.................................................. 5
3.19 应用标签 application label ........................................................... 5
3.20 应用首选名称 application preferred name .............................................. 5
3.21 应用选择指示符 application selection indicator; ASI..................................... 5
3.22 脚本 script .............................................................. ......... 5
3.23 应用认证密文 application authentication cryptogram; AAC ............................... 6
3.24 授权响应密文 authorization response cryptogram; ARPC ................................. 6
3.25 授权请求密文 authorization request cryptogram; ARQC .................................. 6
3.26 数据对象列表 data object list; DOL .................................................. 6
3.27 降级 fallback .............................................................. ....... 6
3.28 终端行为代码 terminal action code; TAC ............................................. 6
3.29 交易证书 transaction certificate; TC .................................................. 6
3.30 终端校验结果 terminal verification results; TVR........................................ 6
3.31 交易验证码 transaction authorization crypogram; TAC ................................... 6
3.32 PSAM 卡 ............................................................. ............. 6
3.33 TMS .............................................................. ................ 6
3.34 持卡人主账户............................................................... ....... 7
3.35 电子现金帐户............................................................... ....... 7
Q/CUP 009.1—2010
II
3.36 电子现金............................................................... ........... 7
3.37 纯电子现金............................................................... ......... 7
3.38 快速借/贷记应用 .......................................................... ......... 7
3.39 积分兑换特约商户............................................................... ... 7
3.40 自付金............................................................... ............. 7
3.41 手机芯片............................................................... ........... 7
3.42 非接触式支付方式............................................................... ... 7
3.43 部分扣款............................................................... ........... 7
3.44 返回余额............................................................... ........... 7
3.45 挥卡............................................................... ............... 7
4 POS 终端管理功能......................................................... ............ 8
4.1 系统管理............................................................... ............ 8
4.2 操作人员管理............................................................... ....... 12
4.3 应用管理............................................................... ........... 12
5 POS 终端交易功能......................................................... ........... 16
5.1 联机交易功能............................................................... ....... 16
5.2 离线交易功能............................................................... ....... 19
6 POS 终端界面 .......................................................... ............. 19
6.1 界面基本要求............................................................... ....... 19
6.2 交易界面............................................................... ........... 20
6.3 系统参数界面............................................................... ....... 38
7 POS 终端交易处理流程............................................................... . 45
7.1 读卡处理............................................................... ........... 46
7.2 余额查询............................................................... ........... 47
7.3 明细查询............................................................... ........... 49
7.4 消费............................................................... ............... 49
7.5 消费撤销............................................................... ........... 58
7.6 退货............................................................... ............... 60
7.7 预授权............................................................... ............. 61
7.8 预授权撤销............................................................... ......... 62
7.9 预授权完成............................................................... ......... 64
7.10 预授权完成(请求)撤销........................................................... 66
7.11 IC 卡圈存交易处理流程............................................................. 67
7.12 离线结算............................................................... .......... 72
7.13 结算调整............................................................... .......... 73
7.14 批结算............................................................... ............ 74
8 消息域说明 ......................................................... ................ 76
8.1 交易要素表............................................................... ......... 76
8.2 数据类型............................................................... ........... 78
8.3 数据元名称及其定义............................................................... . 78
9 POS 终端消息交换说明............................................................... 116
9.1 消息格式说明............................................................... ...... 116
9.2 交易类............................................................... ............ 118
9.3 离线类和脱机类............................................................... .... 174
Q/CUP 009.1—2010
III
9.4 管理类............................................................... ............ 180
10 POS 终端凭证要素及格式要求........................................................ 189
10.1 交易凭证要素............................................................... ..... 189
10.2 签购单支持卡号屏蔽.............................................................. 190
10.3 签购单要求及参考样式............................................................ 190
10.4 交易凭证尺寸要求(套打)........................................................ 198
10.5 签购单印刷要求(套打).......................................................... 198
11 与可编程非接触读写器的应用接口 ............................................... .... 200
12 与收单接入平台的通信接口 .................................................. ....... 200
13 有关软件版本号的说明 .................................................... ......... 200
附录 A (规范性附录) 个人标识码( PIN)的加密和解密方法 ............................. 201
A.1 用于 PIN 加、解密的主账号 PAN 取法 ............................................... 201
A.1.1 手输卡号............................................................... ........ 201
A.1.2 刷卡方式............................................................... ........ 201
A.2 PIN 的长度 ............................................................... ........ 201
A.3 PIN 的字符集 ............................................................... ...... 201
A.4 PIN 格式 ............................................................... .......... 201
附录 B (规范性附录) POS 终端 MAC 的算法 ........................................... 203
附录 C (规范性附录) 对应答码的处理 ................................................ 205
附录 D (规范性附录) 发卡银行中文名称和简称 ........................................ 208
附录 E (规范性附录) 磁道信息加密算法............................................... 209
E.1 基本要求 .......................................................... .............. 209
E.2 数据源构成 ......................................................... ............. 209
E.2.1 二磁道数据源 ............................................................... .... 209
E.2.2 三磁道数据源 ............................................................... .... 209
E.3 加密方式 .......................................................... .............. 209
E.4 举例 ............................................................ ................ 209
附录 F (规范性附录) 收单接入平台通信接口文档....................................... 210
F.1 通讯接口描述............................................................... ...... 210
F.2 通信配置............................................................... .......... 210
F.2.1 联机交易连接方式和连接数目 ................................................. .... 210
F.2.2 联机交易 IP 地址和端口号配置 .................................................... 211
F.2.3 IP 地址和端口限制 ....................................................... ........ 212
F.3 通信接口定义............................................................... ...... 213
F.3.1 建立连接 .......................................................... ............. 213
F.3.2 报文格式 .......................................................... ............. 215
F.3.3 POS 终端拨号监控报文格式 .................................................... ... 215
F.3.4 空闲连接处理 ........................................................ ........... 216
附录 G (规范性附录) 可配置参数列表 ................................................ 217
Q/CUP 047.1—2013 中国银联IC卡技术规范——产品规范 第1部分 非接触式读写器规范
最新版非接触式读写器规范,银联企业标准
目 次 .............................................................................. I
前 言 ............................................................................. IV
1 范围 ................................................................................ 1
2 规范性引用文件 ...................................................................... 1
3 术语和定义 .......................................................................... 2
3.1 非接触的 contactless ................................................................ 2
3.2 非接触集成电路卡 contactless integrated circuit(s) card .................................... 2
3.3 非接触读卡器 contactless reader ....................................................... 2
3.4 非接触卡 .......................................................................... 2
3.5 接近式卡 proximity card(PICC) ..................................................... 2
3.6 接近式耦合设备 proximity coupling device(PCD) ...................................... 2
3.7 IC 卡读写器 reader ................................................................. 2
3.8 终端 terminal....................................................................... 2
3.9 冲突 collision ...................................................................... 2
3.10 防冲突环 anticollision loop .......................................................... 2
3.11 防拔处理 ......................................................................... 2
3.12 块 block ......................................................................... 2
3.13 PSAM ............................................................................ 3
3.14 TYPE A ........................................................................... 3
3.15 TYPE B ........................................................................... 3
4 缩略语 .............................................................................. 3
5 消息符号说明 ........................................................................ 4
6 读卡器性能要求 ...................................................................... 4
6.1 读卡器基本性能要求 ................................................................ 4
6.2 交易时间 .......................................................................... 4
6.3 磁场强度要求 ...................................................................... 4
6.4 非接触处理芯片 .................................................................... 5
6.5 显示屏(可选) .................................................................... 5
6.6 状态指示灯(强制)和蜂鸣器(强制) ................................................ 5
6.7 PIN 输入设备(可选) ............................................................... 6
6.8 支持语言 .......................................................................... 6
6.9 CVM(可选) ......................................................................... 6
6.10 读写器软件 ....................................................................... 7
6.11 协议兼容性 ....................................................................... 7
6.12 轮询处理 ......................................................................... 7
7 读卡器和终端协议 .................................................................... 7
7.1 串行接口 .......................................................................... 7
7.2 串口协议 .......................................................................... 8
7.3 协议描述 .......................................................................... 8
Q/CUP 047.1—2013
II
7.4 数据块格式 ....................................................................... 11
7.5 域描述 ........................................................................... 12
7.6 请求消息的验证 ................................................................... 13
7.7 应答消息的验证 ................................................................... 14
8 报文/命令类别 ....................................................................... 14
8.1 POLL 报文 ........................................................................ 14
8.2 Echo 报文 ......................................................................... 14
8.3 调式和优化报文 ................................................................... 14
8.4 认证报文 ......................................................................... 14
8.5 交易报文 ......................................................................... 15
8.6 管理报文 ......................................................................... 15
9 加密服务 ........................................................................... 17
9.1 制造商缺省密钥 ................................................................... 17
9.2 收单行密钥 ....................................................................... 17
9.3 IMEK 和 IAEK .................................................................... 18
9.4 MEK 和 MEK 会话密钥 ............................................................. 18
9.5 AEK 和 AEK 会话密钥 .............................................................. 18
9.6 密钥类型 ......................................................................... 19
9.7 双向认证和密钥生成算法 ........................................................... 19
9.8 会话密钥的生成 ................................................................... 21
9.9 AEK 和 Asession 的生成 ............................................................ 21
9.10 数据的加密 ...................................................................... 21
9.11 生成新的 MEK 和 AEK ............................................................ 21
9.12 密钥管理的安全措施 .............................................................. 21
10 POLL,Echo 和优化报文 ............................................................. 22
10.1 POLL ............................................................................ 22
10.2 Echo............................................................................. 23
10.3 设置调试和优化模式 .............................................................. 24
11 认证报文 .......................................................................... 25
11.1 通讯初始化 ...................................................................... 26
11.2 双向认证 ........................................................................ 27
11.3 密钥生成 ........................................................................ 28
11.4 第一次上电的处理 ................................................................ 29
11.5 随后的上电处理 .................................................................. 30
11.6 屏蔽读卡器 ...................................................................... 31
12 交易报文 .......................................................................... 32
12.1 快速借贷记非接交易 .............................................................. 32
12.2 完整 UICS 借贷记交易(可选) ..................................................... 35
12.3 应用标识 ........................................................................ 38
12.4 复位 ............................................................................ 38
12.5 显示状态 ........................................................................ 39
12.6 UPCARD 交易处理 ................................................................ 40
13 高层交易流程 ...................................................................... 41
13.1 启动流程 ........................................................................ 41
Q/CUP 047.1—2013
III
13.2 成功的快速借贷记非接触支付流程 .................................................. 42
13.3 成功的完整 UICS 借贷记交易流程(可选) ........................................... 42
13.4 失败的交易流程 .................................................................. 42
13.5 读卡器连接线未连接 .............................................................. 43
14 管理报文 .......................................................................... 44
14.1 进入管理模式 .................................................................... 44
14.2 获取性能 ........................................................................ 45
14.3 设置性能 ........................................................................ 46
14.4 获取时间和日期 .................................................................. 47
14.5 设置时间和日期 .................................................................. 48
14.6 获取参数 ........................................................................ 48
14.7 获取串口通信速率 ................................................................ 49
14.8 设置串口通信速率 ................................................................ 50
14.9 重置收单行密钥 .................................................................. 51
14.10 恢复读卡器 ..................................................................... 52
14.11 获取 UICS 标签值 ................................................................ 52
14.12 设置 UICS 标签值 ................................................................ 53
14.13 获取显示信息 ................................................................... 54
14.14 设置显示信息 ................................................................... 56
14.15 获取 CVM 性能 .................................................................. 57
14.16 设置 CVM 性能 .................................................................. 58
14.17 设置读卡器公钥 ................................................................. 59
14.18 通用查询读卡器公钥 ............................................................. 60
14.19 设置读卡器回收公钥证书 ......................................................... 61
14.20 查询读卡器回收公钥证书 ......................................................... 62
14.21 设置读卡器黑名单 ............................................................... 63
14.22 查询读卡器黑名单 ............................................................... 63
14.23 设置 UICS 固定参数 .............................................................. 64
14.24 设置读卡器 AID 参数 ............................................................. 65
附 录 A (规范性附录) 读卡器内部参数 .............................................. 68
附 录 B (规范性附录) 应答码 ...................................................... 70