English
资源说明：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
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