中国银联电话支付终端规范I型

刚子

I
目  录
目  录............................................................................I
前     言............................................................................V
电话支付终端规范（Ⅰ型） ............................................................6
1  范围..............................................................................6
2  规范性引用文件....................................................................6
3  术语和定义........................................................................6
3.1  电话支付中心...................................................................6
3.2  电话支付终端...................................................................6
3.3 TSAM 卡.......................................................................6
3.4 TKEY 卡.......................................................................7
3.5 TIM 卡........................................................................7
3.6 FSK ...........................................................................7
3.7 HDLC .........................................................................7
3.8 DTMF .........................................................................7
4  Ⅰ型终端的硬件与安全要求 .........................................................7
4.1  键盘...........................................................................7
4.2  显示屏.........................................................................7
4.3  磁条阅读器.....................................................................7
4.4 IC 卡阅读器....................................................................7
4.5  通讯...........................................................................7
4.6  存储器.........................................................................7
4.7  打印机（可选）.................................................................7
4.8  外设通讯.......................................................................7
4.9  安全要求.......................................................................8
5  存储要求.........................................................................8
5.1  符号约定.......................................................................8
5.2  未支付帐单/已支付帐单..........................................................8
5.3  短信收件箱/短信发件箱（可选） ..................................................8
5.4  打印信息.......................................................................9
5.5  金融菜单.......................................................................9
5.6  功能提示信息...................................................................9
5.7  操作提示信息...................................................................9
5.8  错误提示信息...................................................................9
5.9  打印模板记录...................................................................9
5.10  交易日志（可选）...............................................................9
5.11  错误日志......................................................................10
5.12  冲正信息......................................................................10
6  终端参数管理....................................................................10
6.1 TSAM 卡参数..................................................................10

6.2  终端参数......................................................................11
7  终端应用要求....................................................................13
7.1  终端维护管理..................................................................13
7.2  自定义键的使用................................................................13
7.3  其他功能键的使用..............................................................14
7.4  显示..........................................................................14
7.5  输入控制......................................................................15
7.6  操作控制......................................................................15
8  终端流程代码说明................................................................15
9  操作码说明......................................................................16
10  终端指令说明...................................................................16
10.1  读取 TSAM 卡号...............................................................18
10.2  读取卡号......................................................................18
10.3  读取磁道密文数据..............................................................18
10.4  读取密码密文数据..............................................................19
10.5  读取交易数量..................................................................20
10.6  读取交易金额..................................................................20
10.7  读取金融应用号（支持条形码、磁条与键盘的同时输入）............................20
10.8  读取商务应用号................................................................20
10.9  读取日期......................................................................21
10.10 读取年月......................................................................21
10.11 读取自定义信息................................................................21
10.12  计算信息鉴别码（MAC）.......................................................21
10.13  计算签名（预留，暂不启用）....................................................22
10.14  读取冲正信息..................................................................22
10.15 读取终端程序版本号 ............................................................22
10.16 读取终端应用功能版本号 ........................................................22
10.17 读取终端编号..................................................................23
10.18  加密报文数据（预留，暂不启用）................................................23
10.19 解密报文数据（预留，暂不启用） ................................................23
10.20 提取帐单支付数据 ..............................................................23
10.21 更新终端参数..................................................................24
10.22 更新 TSAM 卡参数..............................................................24
10.23 更新菜单参数..................................................................24
10.24 更新功能提示信息 ..............................................................25
10.25 更新操作提示信息 ..............................................................26
10.26 更新首页信息..................................................................27
10.27 更新打印模板记录 ..............................................................27
10.28 注销 TSAM 卡..................................................................28
10.29 存储帐单......................................................................28
10.30 更新错误提示信息 ..............................................................29
10.31 存储短信......................................................................29
10.32 打印数据......................................................................29
10.33 显示结果信息..................................................................30

10.34 连接中心（建链） ..............................................................30
10.35 发送数据......................................................................31
10.36 接收数据......................................................................31
10.37 挂机..........................................................................31
10.38 验证电话支付操作密码 ..........................................................31
10.39 验证信息鉴别码（MAC）........................................................32
10.40  免提拨号......................................................................32
10.41  交易确认......................................................................32
10.42 更新应用程序（预留） ..........................................................33
10.43 存储号码（预留） ..............................................................33
10.44  上传号码(预留) ................................................................33
10.45 中心临时操作提示信息 ..........................................................33
10.46 获取流程控制码................................................................33
10.47 屏蔽来电处理..................................................................33
10.48  更新双向认证密钥..............................................................34
10.49  预留..........................................................................34
10.50 上传交易日志..................................................................34
10.51  上传错误日志..................................................................34
10.52  接收 PC 数据（可选）..........................................................35
10.53 发送数据给 PC（可选）.........................................................35
11  应用功能处理流程...............................................................35
11.1  一般处理......................................................................35
11.2  脱机管理功能..................................................................36
11.3  联机交易......................................................................37
11.4  缺省联机交易..................................................................37
12  接口及外设指令格式.............................................................38
12.1  交易流程......................................................................38
12.2  报文接口......................................................................42
12.3 TSAM 卡指令..................................................................45
12.4 TKEY 卡指令..................................................................50
附录 A－合法性校验算法 .............................................................51
１ 算法 1－数字校验算法............................................................51
２ 算法 2－输入比对校验............................................................51
３ 算法 3－校验数并比对算法........................................................51
附录 B－数据合法性检查 .............................................................51
１ 磁道数据合法性检查 .............................................................51
２  密码合法性检查................................................................51
附录 C－电话支付终端个人标识码（PIN）的加密方法....................................51
１ PIN加、解密的主账号 PAN取法.................................................51
２ PIN的长度....................................................................52
３ PIN的字符集..................................................................52
４ PIN格式......................................................................52
５  加密算法......................................................................53
附录 D－电话支付终端磁道信息加密算法 ...............................................53

附录 E－电话支付终端 MAC 的算法....................................................54
附录 F－相关信息库..................................................................55
１  显示格式对照表................................................................55
２  操作提示信息..................................................................56
３  功能提示信息..................................................................57
４  错误提示信息..................................................................57
５  首页提示信息..................................................................58
６  语音提示信息..................................................................59
７  打印模板记录..................................................................59
附录 G－应用举例...................................................................60
附录 H－TIM 卡导入数据.............................................................63
１  索引文件（0010）格式：........................................................63
２  记录文件（0011）格式：........................................................63
３  菜单参数记录格式：............................................................63
４ TSAM 卡参数..................................................................63
５  终端参数......................................................................64
６  功能提示信息..................................................................64
７  操作提示信息..................................................................64
８  错误提示信息..................................................................65
９  打印模版......................................................................65

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