恒宝移动支付PBOC2.0电子钱包用户手册

payer

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

dadiming

路过一下，开发人员可以下来看看

pengxr

是nfc？rfsim？平台？