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标题:
恒宝移动支付PBOC2.0电子钱包用户手册
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作者:
payer
时间:
2011-7-5 08:06
标题:
恒宝移动支付PBOC2.0电子钱包用户手册
重要声明 ............................................................................ 2
手册变化动态 ........................................................................ 3
目 录 ............................................................................ 4
表格目录 ........................................................................... 10
图形目录 ........................................................................... 12
1 关于本手册 ..................................................................... 13
1.1 内容概述 .............................................................................................................................. 13
1.2 参考文献 .............................................................................................................................. 14
1.3 定义 ...................................................................................................................................... 14
1.4 缩略语 .................................................................................................................................. 16
2 URANUSPAY ED/EP简介 ............................................................ 18
2.1 关于UranusPay ED/EP ......................................................................................................... 18
2.2 UranusPay ED/EP命令集 ..................................................................................................... 18
3 URANUSPAY ED/EP应用文件结构 .................................................... 19
3.1 文件组织 .............................................................................................................................. 20
3.2 专用文件FID定义 ................................................................................................................ 20
3.3 文件结构 .............................................................................................................................. 21
3.4 密钥类型定义....................................................................................................................... 23
3.5 单环境多应用....................................................................................................................... 23
3.6 多环境多应用....................................................................................................................... 23
4 安全报文传送 ................................................................... 24
4.1 安全报文传送的概念 ........................................................................................................... 24
4.1.1 明文传输 ............................................................................................................... 24
4.1.2 密文传输 ............................................................................................................... 24
4.1.3 MAC传输 ............................................................................................................. 24
4.1.4 密文MAC传输 ..................................................................................................... 25
4.2 如何实现安全报文传送 ....................................................................................................... 25
4.2.1 文件....................................................................................................................... 25
4.2.2 密钥....................................................................................................................... 25
4.3 安全计算(DES在金融环境中的安全管理) ................................................................... 26
4.3.1 密钥分散 ............................................................................................................... 26
4.3.2 过程密钥 ............................................................................................................... 27
4.3.2.1 过程密钥的计算方法 1 ................................................................................ 27
4.3.2.2 过程密钥的计算方法 2 ................................................................................ 28
4.3.3 鉴别数据 ............................................................................................................... 28
4.3.4 MAC ..................................................................................................................... 29
4.3.4.1 命令安全报文中的MAC .............................................................................. 29
4.3.4.2 交易中的MAC .............................................................................................. 31
4.3.5 数据加密 ............................................................................................................... 31
4.3.6 数据解密 ............................................................................................................... 32
4.4 安全报文传送的命令情况 ................................................................................................... 33
4.5 应用举例 .............................................................................................................................. 34
5 命令与应答 ..................................................................... 35
5.1 命令与响应格式 ................................................................................................................... 35
5.2 命令格式 .............................................................................................................................. 35
5.2.1 命令头域 ............................................................................................................... 35
5.2.2 命令体 ................................................................................................................... 36
5.3 响应数据格式....................................................................................................................... 36
5.4 状态字SW1SW2 意义 .......................................................................................................... 36
6 URANUSPAY ED/EP基本命令 ........................................................ 37
6.1 创建文件(Create File) ................................................................................................. 37
6.1.1 定义与范围 ........................................................................................................... 37
6.1.2 注意事项 ............................................................................................................... 37
6.1.3 命令报文 ............................................................................................................... 38
6.1.4 命令报文数据域 ................................................................................................................. 38
6.1.5 响应报文数据域 ................................................................................................................. 40
6.1.6 响应报文状态码 ................................................................................................................. 40
6.2 删除文件 (Erase File) ................................................................................................. 40
6.2.1 定义和范围 ........................................................................................................... 40
6.2.2 命令报文 ............................................................................................................... 40
6.2.3 命令报文数据域 ................................................................................................... 41
6.3 Select选择文件 ..................................................................................................................... 41
6.3.1 定义和范围 ........................................................................................................... 41
6.3.2 注意事项 ............................................................................................................... 41
6.3.3 命令报文 ............................................................................................................... 41
6.3.4 命令报文数据域 ................................................................................................... 41
6.3.5 响应报文数据域 ................................................................................................... 42
6.3.6 响应报文状态码 ................................................................................................... 42
6.3.7 命令执行逻辑 ....................................................................................................... 43
6.3.8 应用举例 ............................................................................................................... 43
6.4 Read Record 读记录文件 .................................................................................................... 44
6.4.1 定义和范围 ........................................................................................................... 44
6.4.2 注意事项 ............................................................................................................... 45
6.4.3 命令报文 ............................................................................................................... 45
6.4.4 命令报文数据域 ................................................................................................... 45
6.4.5 响应报文数据域 ................................................................................................... 45
6.4.6 响应报文状态码 ................................................................................................... 45
6.4.7 命令执行逻辑 ....................................................................................................... 46
6.4.8 应用举例 ............................................................................................................... 46
6.5 Read Binary 读二进制文件 ................................................................................................. 47
6.5.1 定义和范围 ........................................................................................................... 47
6.5.2 注意事项 ............................................................................................................... 47
6.5.3 命令报文 ............................................................................................................... 47
6.5.4 命令报文数据域 ................................................................................................... 48
6.5.5 响应报文数据域 ................................................................................................... 48
6.5.6 响应报文状态码 ................................................................................................... 48
6.5.7 命令执行逻辑 ....................................................................................................... 48
6.5.8 应用举例 ............................................................................................................... 49
6.6 Update Record 修改记录文件 ............................................................................................. 49
6.6.1 定义和范围 ........................................................................................................... 49
6.6.2 注意事项 ............................................................................................................... 49
6.6.3 命令报文 ............................................................................................................... 49
6.6.4 命令报文数据域 ................................................................................................... 50
6.6.5 响应报文数据域 ................................................................................................... 50
6.6.6 响应报文状态码 ................................................................................................... 50
6.6.7 命令执行逻辑 ....................................................................................................... 51
6.6.8 应用举例 ............................................................................................................... 51
6.7 Update Binary 修改二进制文件 ......................................................................................... 52
6.7.1 定义和范围 ........................................................................................................... 52
6.7.2 注意事项 ............................................................................................................... 52
6.7.3 命令报文 ............................................................................................................... 52
6.7.4 命令报文数据域 ................................................................................................... 53
6.7.5 响应报文数据域 ................................................................................................... 53
6.7.6 响应报文状态码 ................................................................................................... 53
6.7.7 命令执行逻辑 ....................................................................................................... 53
6.7.8 应用举例 ............................................................................................................... 54
6.8 Verify PIN校验个人密码 ..................................................................................................... 54
6.8.1 定义和范围 ........................................................................................................... 54
6.8.2 注意事项 ............................................................................................................... 54
6.8.3 命令报文 ............................................................................................................... 55
6.8.4 命令报文数据域 ................................................................................................... 55
6.8.5 响应报文数据域 ................................................................................................... 55
6.8.6 响应报文状态码 ................................................................................................... 55
6.8.7 命令执行逻辑 ....................................................................................................... 56
6.8.8 应用举例 ............................................................................................................... 56
6.9 Internal Authentication 内部认证 ........................................................................................ 56
6.9.1 定义和范围 ........................................................................................................... 56
6.9.2 注意事项 ............................................................................................................... 56
6.9.3 命令报文 ............................................................................................................... 57
6.9.4 命令报文数据域 ................................................................................................... 57
6.9.5 响应报文数据域 ................................................................................................... 57
6.9.6 响应报文状态码 ................................................................................................... 57
6.9.7 内部认证过程 ....................................................................................................... 57
6.9.8 命令执行逻辑 ....................................................................................................... 58
6.9.9 应用举例 ............................................................................................................... 58
6.10 External Authentication 外部认证 ....................................................................................... 59
6.10.1 定义和范围 ........................................................................................................... 59
6.10.2 注意事项 ............................................................................................................... 59
6.10.3 命令报文 ............................................................................................................... 59
6.10.4 命令报文数据域 ................................................................................................... 60
6.10.5 响应报文数据域 ................................................................................................... 60
6.10.6 响应报文状态码 ................................................................................................... 60
6.10.7 外部认证过程 ....................................................................................................... 60
6.10.8 命令执行逻辑 ....................................................................................................... 61
6.10.9 应用举例 ............................................................................................................... 62
6.11 Get Challenge 取随机数 ...................................................................................................... 62
6.11.1 定义和范围 ........................................................................................................... 62
6.11.2 命令报文 ............................................................................................................... 62
6.11.3 命令报文数据域 ................................................................................................... 63
6.11.4 响应报文数据域 ................................................................................................... 63
6.11.5 响应报文状态码 ................................................................................................... 63
6.11.6 命令执行逻辑 ....................................................................................................... 63
6.12 Get Response 取响应 .......................................................................................................... 63
6.12.1 定义和范围 ........................................................................................................... 63
6.12.2 注意事项 ............................................................................................................... 63
6.12.3 命令报文 ............................................................................................................... 64
6.12.4 命令报文数据域 ................................................................................................... 64
6.12.5 响应报文数据域 ................................................................................................... 64
6.12.6 响应报文状态码 ................................................................................................... 64
6.12.7 命令执行逻辑 ....................................................................................................... 64
6.12.8 应用举例 ............................................................................................................... 65
6.13 Append Record 添加记录 ................................................................................................... 65
6.13.1 定义和范围 ........................................................................................................... 65
6.13.2 注意事项 ............................................................................................................... 65
6.13.3 命令报文 ............................................................................................................... 65
6.13.4 命令报文数据域 ................................................................................................... 66
6.13.5 响应报文状态码 ................................................................................................... 66
6.13.6 命令执行逻辑 ....................................................................................................... 66
6.13.7 应用举例 ............................................................................................................... 67
6.14 Write Key 更新密钥 ............................................................................................................ 67
6.14.1 定义和范围 ........................................................................................................... 67
6.14.2 注意事项 ............................................................................................................... 67
6.14.3 命令报文 ............................................................................................................... 68
6.14.4 命令报文数据域 ................................................................................................... 68
6.14.5 响应报文数据域 ................................................................................................... 69
6.14.6 响应报文状态码 ................................................................................................... 69
6.14.7 应用实例 ............................................................................................................... 69
7 URANUSPAY ED/EP金融专用命令 .................................................... 70
7.1 Initialize For Load圈存初始化 ............................................................................................. 70
7.1.1 定义和范围 ........................................................................................................... 70
7.1.2 命令报文 ............................................................................................................... 70
7.1.3 命令报文数据域 ................................................................................................... 71
7.1.4 响应报文数据域 ................................................................................................... 71
7.1.5 响应报文的状态码 ............................................................................................... 71
7.2 Credit For Load圈存 ............................................................................................................. 72
7.2.1 定义和范围 ........................................................................................................... 72
7.2.2 命令报文 ............................................................................................................... 72
7.2.3 命令报文数据域 ................................................................................................... 72
7.2.4 响应报文数据域 ................................................................................................... 73
7.2.5 响应报文的状态码 ............................................................................................... 73
7.2.6 圈存交易流程 ....................................................................................................... 74
7.3 Initialize For Unload圈提初始化 ......................................................................................... 74
7.3.1 定义和范围 ........................................................................................................... 74
7.3.2 命令报文 ............................................................................................................... 74
7.3.3 命令报文数据域 ................................................................................................... 75
7.3.4 响应报文数据域 ................................................................................................... 75
7.3.5 响应报文的状态码 ............................................................................................... 75
7.4 Debit For Unload圈提 .......................................................................................................... 76
7.4.1 定义和范围 ........................................................................................................... 76
7.4.2 命令报文 ............................................................................................................... 76
7.4.3 命令报文数据域 ................................................................................................... 76
7.4.4 响应报文数据域 ................................................................................................... 77
7.4.5 响应报文的状态码 ............................................................................................... 77
7.4.6 圈提交易流程 ....................................................................................................... 77
7.5 Initialize For Purchase消费初始化 ...................................................................................... 78
7.5.1 定义和范围 ........................................................................................................... 78
7.5.2 命令报文 ............................................................................................................... 78
7.5.3 命令报文数据域 ................................................................................................... 79
7.5.4 响应报文数据域 ................................................................................................... 79
7.5.5 响应报文的状态码 ............................................................................................... 79
7.6 Initialize For Cash Withdraw取现初始化 ............................................................................ 80
7.6.1 定义和范围 ........................................................................................................... 80
7.6.2 命令报文 ............................................................................................................... 80
7.6.3 命令报文数据域 ................................................................................................... 80
7.6.4 响应报文数据域 ................................................................................................... 80
7.6.5 响应报文的状态码 ............................................................................................... 81
7.7 Debit For Purchase/Cash Withdra消费/取现 ........................................................................ 81
7.7.1 定义和范围 ........................................................................................................... 81
7.7.2 命令报文 ............................................................................................................... 81
7.7.3 命令报文数据域 ................................................................................................... 81
7.7.4 响应报文数据域 ................................................................................................... 82
7.7.5 响应报文的状态码 ............................................................................................... 82
7.7.6 消费交易流程 ....................................................................................................... 83
7.8 Initialize For Update修改透支限额初始化 ......................................................................... 84
7.8.1 定义和范围 ........................................................................................................... 84
7.8.2 命令报文 ............................................................................................................... 84
7.8.3 命令报文数据域 ................................................................................................... 84
7.8.4 响应报文数据域 ................................................................................................... 84
7.8.5 响应报文的状态码 ............................................................................................... 85
7.9 Update Overdraw Limit修改透支限额 ................................................................................ 85
7.9.1 定义和范围 ........................................................................................................... 85
7.9.2 命令报文 ............................................................................................................... 85
7.9.3 命令报文数据域 ................................................................................................... 86
7.9.4 响应报文数据域 ................................................................................................... 86
7.9.5 响应报文的状态码 ............................................................................................... 87
7.9.6 修改透支限额交易流程 ....................................................................................... 87
7.10 Get Balance读余额 ............................................................................................................... 88
7.10.1 定义和范围 ........................................................................................................... 88
7.10.2 命令报文 ............................................................................................................... 88
7.10.3 命令报文数据域 ................................................................................................... 88
7.10.4 响应报文数据域 ................................................................................................... 88
7.10.5 响应报文的状态码 ............................................................................................... 89
7.11 Get Transaction Proof取交易认证 ....................................................................................... 89
7.11.1 定义和范围 ........................................................................................................... 89
7.11.2 命令报文 ............................................................................................................... 89
7.11.3 命令报文数据域 ................................................................................................... 89
7.11.4 响应报文数据域 ................................................................................................... 90
7.11.5 响应报文的状态码 ............................................................................................... 90
7.12 Reload PIN重装个人密码 .................................................................................................... 90
7.12.1 定义和范围 ........................................................................................................... 90
7.12.2 命令报文 ............................................................................................................... 90
7.12.3 命令报文数据域 ................................................................................................... 91
7.12.4 响应报文数据域 ................................................................................................... 91
7.12.5 响应报文的状态码 ............................................................................................... 91
7.13 PIN Unblock 解锁个人密码 ............................................................................................... 92
7.13.1 定义和范围 ........................................................................................................... 92
7.13.2 命令报文 ............................................................................................................... 92
7.13.3 命令报文数据域 ................................................................................................... 92
7.13.4 响应报文数据域 ................................................................................................... 92
7.13.5 响应报文状态码 ................................................................................................... 92
7.14 Application Block 应用锁定 ............................................................................................... 93
7.14.1 定义和范围 ........................................................................................................... 93
7.14.2 命令报文 ............................................................................................................... 93
7.14.3 命令报文数据域 ................................................................................................... 93
7.14.4 响应报文数据域 ................................................................................................... 93
7.14.5 响应报文状态码 ................................................................................................... 94
7.15 Application Unblock 应用解锁 ........................................................................................... 94
7.15.1 定义和范围 ........................................................................................................... 94
7.15.2 命令报文 ............................................................................................................... 94
7.15.3 命令报文数据域 ................................................................................................... 94
7.15.4 响应报文数据域 ................................................................................................... 95
7.15.5 响应报文状态码 ................................................................................................... 95
7.16 Card Block ............................................................................................................................ 95
7.16.1 定义与范围 ........................................................................................................... 95
7.16.2 命令报文数据域 ................................................................................................... 95
7.16.3 响应报文数据域 ................................................................................................... 96
7.16.4 响应报文状态码 ................................................................................................... 96
7.17 Change PIN修改个人密码 ................................................................................................... 96
7.17.1 定义和范围 ........................................................................................................... 96
7.17.2 注意事项 ............................................................................................................... 96
7.17.3 命令报文 ............................................................................................................... 96
7.17.4 命令报文数据域 ................................................................................................... 97
7.17.5 响应报文数据域 ................................................................................................... 97
7.17.6 响应报文的状态码 ............................................................................................... 97
7.18 Get Message取安全认证码 .................................................................................................. 97
7.18.1 定义和范围 ........................................................................................................... 97
7.18.2 注意事项 ............................................................................................................... 98
7.18.3 命令报文 ............................................................................................................... 98
7.18.4 命令报文数据域 ................................................................................................... 98
7.18.5 响应报文数据域 ................................................................................................... 98
7.18.6 响应报文的状态码 ............................................................................................... 98
7.19 Initialize For Capp Purchase复合消费初始化 ..................................................................... 98
7.19.1 定义和范围 ........................................................................................................... 98
7.19.2 命令报文 ............................................................................................................... 99
7.19.3 命令报文数据域 ................................................................................................... 99
7.19.4 响应报文数据域 ................................................................................................... 99
7.19.5 响应报文的状态码 ............................................................................................... 99
7.20 Debit For Capp Purchase复合消费 .................................................................................... 100
7.20.1 定义和范围 ......................................................................................................... 100
7.20.2 注意事项 ............................................................................................................. 100
7.20.3 命令报文 ............................................................................................................. 100
7.20.4 命令报文数据域 ................................................................................................. 100
7.20.5 响应报文数据域 ................................................................................................. 101
7.20.6 响应报文的状态码 ............................................................................................. 101
7.20.7 复合消费交易流程 ............................................................................................. 102
7.21 Update Capp Data Cach复合消费缓存 .............................................................................. 103
7.21.1 定义和范围 ......................................................................................................... 103
7.21.2 注意事项 ............................................................................................................. 103
7.21.3 命令报文 ............................................................................................................. 103
7.21.4 命令报文数据域 ................................................................................................. 104
7.21.5 响应报文数据域 ................................................................................................. 104
7.21.6 响应报文的状态码 ............................................................................................. 104
8 命令执行成功后的卡片交易状态变化 .............................................. 105
附录 1:接触式接口复位应答ATR ...................................................... 106
附录 2:非接触式接口选择应答ATS .................................................... 107
附录 3:交易类型标识TTI............................................................ 108
表格目录
表 2-1 UranusPay ED/EP命令集 ....................................................................................................... 19
表 3-1 PBOC ED/EP专用文件FID定义 .............................................................................................. 20
表 3-2 PBOC ED/EP应用密钥类型 ................................................................................................ 23
表 5-1 状态字SW1SW2 说明 ............................................................................................................. 36
表 6-1 Create File命令报文 ................................................................................................................. 38
表 6-2 Erase DF命令报文 ................................................................................................................... 40
表 6-3 Select命令报文 ......................................................................................................................... 41
表 6-4 SELECT DDF的响应报文(FCI) ............................................................................................... 42
表 6-5 SELECT ADF的响应报文(FCI) ............................................................................................... 42
表 6-6 SELECT ADF的应答报文中的FCI数据专用模板 .................................................................. 42
表 6-7 Select响应报文状态码 ............................................................................................................. 42
表 6-8 Read Record命令报文 .............................................................................................................. 45
表 6-9 Read Record命令引用控制参数P2 .......................................................................................... 45
表 6-10 Read Record响应报文状态码 ................................................................................................. 46
表 6-11 Read Binary命令报文 ............................................................................................................. 48
表 6-12 Read Binary命令引用控制参数 ............................................................................................. 48
表 6-13 Read Binary响应报文状态码 ................................................................................................. 48
表 6-14 Update Record 命令报文 ....................................................................................................... 50
表 6-15 Update Record 命令引用控制参数P2 ................................................................................... 50
表 6-16 Update Record响应报文状态码 ............................................................................................. 50
表 6-17 Update Binary命令报文 .......................................................................................................... 52
表 6-18 Update Binary命令引用控制参数 .......................................................................................... 53
表 6-19 Update Binary响应报文状态码 .............................................................................................. 53
表 6-20 Verify PIN命令报文 ................................................................................................................ 55
表 6-21 Verify PIN响应报文状态码 .................................................................................................... 55
表 6-22 Internal Authentication命令报文 ............................................................................................ 57
表 6-23 Internal Authentication响应报文状态码 ................................................................................ 57
表 6-24 External Authentication命令报文 ........................................................................................... 59
表 6-25 External Authentication错误状态 ........................................................................................... 60
表 6-26 Get Challenge命令报文 .......................................................................................................... 62
表 6-27 Get Challenge响应报文状态码 .............................................................................................. 63
表 6-28 Get Response命令报文 ........................................................................................................... 64
表 6-29 Get Response响应报文状态码 ............................................................................................... 64
表 6-30 Append Record命令报文 ........................................................................................................ 66
表 6-31 Append Record响应报文状态码 ............................................................................................ 66
表 6-32 Write Key命令报文.................................................. ...............................................67
表 6-33 Write Key命令报文数据域 .................................................................................................... 68
表 6-34 Write Key响应报文状态码 .................................................................................................... 69
表 7-1 Initialize For Load命令报文 ..................................................................................................... 71
表 7-2 Initialize For Load命令报文 ..................................................................................................... 71
表 7-3 Initialize For Load响应报文数据域 ......................................................................................... 71
表 7-4 Initialize For Load响应报文状态码 ......................................................................................... 72
表 7-5 Credit For Load命令报文 ......................................................................................................... 72
表 7-6 Credit For Load命令报文数据域 .............................................................................................. 72
表 7-7 Credit For Load响应报文数据域 .............................................................................................. 73
表 7-8 Credit For Load响应报文状态码 .............................................................................................. 73
表 7-9 Initialize For Unload命令报文 .................................................................................................. 75
表 7-10 Initialize For Unload命令报文数据域 .................................................................................... 75
表 7-11 Initialize For Unload响应报文数据域 .................................................................................... 75
表 7-12 Initialize For Unload响应报文状态码 .................................................................................... 76
表 7-13 Debit For Unload命令报文 ..................................................................................................... 76
表 7-14 Debit For Unload命令报文数据域 ......................................................................................... 76
表 7-15 Debit For Unload响应报文数据域 ......................................................................................... 77
表 7-16 Debit For Unload响应报文状态码 ......................................................................................... 77
表 7-17 Initialize For Purchase命令报文 ............................................................................................. 79
表 7-18 Initialize For Purchase命令报文数据域 ................................................................................. 79
表 7-19 Initialize For Purchase响应报文数据域 ................................................................................. 79
表 7-20 Initialize For Purchase响应报文状态码 ................................................................................. 79
表 7-21 Initialize For Cash Withdraw命令报文 ................................................................................... 80
表 7-22 Initialize For Cash Withdraw命令报文数据域 ....................................................................... 80
表 7-23 Initialize For Cash Withdraw响应报文数据域 ....................................................................... 80
表 7-24 Initialize For Cash Withdraw响应报文状态码 ....................................................................... 81
表 7-25 Debit For Purchase/Cash Withdraw命令报文 ......................................................................... 81
表 7-26 Debit For Purchase/Cash Withdraw命令报文数据域 ............................................................. 82
表 7-27 Debit For Purchase/Cash Withdraw响应报文数据域 ............................................................. 82
表 7-28 Debit For Purchase/Cash Withdraw响应报文状态码 ............................................................. 83
表 7-29 Initialize For Update命令报文 ................................................................................................ 84
表 7-30 Initialize For Update命令报文数据域 .................................................................................... 84
表 7-31 Initialize For Update响应报文数据域 .................................................................................... 84
表 7-32 Initialize For Update响应报文状态码 .................................................................................... 85
表 7-33 Update Overdraw Limit命令报文 ........................................................................................... 86
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作者:
dadiming
时间:
2011-7-5 09:21
路过一下,开发人员可以下来看看
作者:
pengxr
时间:
2011-7-8 19:07
是nfc?rfsim?平台?
欢迎光临 支付产业网 (http://paynews.net/)
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