银行卡联网联合技术规范

银行卡联网联合技术规范

（区域中心版）

银行卡联网联合技术规范

0引言...........................................................13

0.1主题内容与适用范围......................................13

0.2引用标准及参考文献......................................13

0.2.1引用标准.............................................13

0.2.2参考文献.............................................13

0.3术语....................................................14

1SMS交易定义及流程..............................................17

1.1消息类型................................................17

1.1.1请求类消息标识码.....................................17

1.1.2通知类消息标识码.....................................17

1.1.3消息类型表......................................18

1.2预授权交易(Pre-Authorization)0100/0110.................21

1.2.1交易描述............................................21

1.2.2交易流程............................................21

1.3预授权撤消交易(Pre-AuthorizationCancellation)0100/011022

1.3.1交易描述............................................22

1.3.2交易流程............................................22

1.4金融交易(FinancialTransaction)0200/0210..............23

1.4.1交易描述............................................23

1.4.2交易流程............................................24

1.5查询交易(BalanceInquire)0200/0210...................24

1.5.1交易描述............................................24

1.5.2交易流程............................................24

1.6撤消交易(Cancellation)0200/0210........................25

1.6.1交易描述............................................25

1.6.2交易流程............................................25

1.7冲正通知(ReversalTransaction)0420/0430...............26

1.7.1交易描述............................................26

1.7.2正常交易流程........................................26

1.7.3异常交易流程........................................27

1.8金融通知交易(FinancialAdviceTransaction)0220/0230...28

1.8.1交易描述............................................28

1.8.2正常交易流程........................................29

1.8.3异常交易流程........................................31

1.9对账交易(ReconciliationTransaction)052X/053X........32

1.9.1交易描述............................................32

1.9.2交易流程............................................33

1.10管理类交易(AdministrationTransaction)0620/0630.......33

1.10.1交易描述.............................................33

1.10.2交易流程.............................................34

1.11网络管理交易(NetworkManagementAdviceTransaction)

0820/0830.....................................................35

1.H.1交易描述.............................................35

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1.11.2交易流程.............................................36

1.12重置密钥(DynamicKeyExchangeTransaction)0800/0810....37

1.12.1交易描述.............................................37

1.12.2交易流程.............................................37

1.13差错处理通知(Switch-GeneratedExceptionAdvice).........38

1.13.1交易描述.............................................38

1.13.2交易流程.............................................39

1.14信息域匹配..............................................40

1.14.1预授权交易...........................................42

1.14.2预授权撤消交易.......................................42

1.14.3金融交易.............................................42

1.14.4POS金融交易撤消.....................................43

1.14.5冲正通知.............................................43

1.14.6差错处理通知(发卡方)...............................44

1.14.7差错处理通知(受理方)...............................44

1.14.8对账交易.............................................44

1.14.9管理交易.............................................45

1.14.10网络管理通知交易.................................45

1.14.11重置密钥交易....................................45

1.15超时限定................................................46

2消息域说明.....................................................47

2.1说明....................................................47

2.1.1数据类型............................................47

2.1.2注释................................................48

2.2消息类型(MESSAGE-TYPE-IDENTIFIER).......................49

2.2.1变量属性：..........................................49

2.2.2域描述：............................................49

2.3域2.....................................................52

2.3.1变量属性：..........................................52

2.3.2域描述：............................................52

2.3.3用法：..............................................52

2.3.4错误代码：..........................................53

2.4域3.....................................................54

2.4.1变量属性：..........................................54

2.4.2域描述：............................................54

2.4.3用法：..............................................55

2.4.4错误代码：..........................................56

2.5域4.....................................................57

2.5.1变量属性：..........................................57

2.5.2域描述：............................................57

2.5.3用法：..............................................57

2.5.4错误代码：...........................................57

2.6域7.....................................................58

2.6.1变量属性：...........................................58

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2.6.2域描述：............................................58

2.6.3用法：..............................................58

2.6.4错误代码：..........................................59

2.7域11......................................................................................................60

2.7.1变量属性：..........................................60

2.7.2域描述：............................................60

2.7.3用法：..............................................60

2.7.4错误代码：.........................................60

2.8域12.......................................................................................................61

2.8.1变量属性：..........................................61

2.8.2域描述：............................................61

2.8.3用法：..............................................61

2.8.4错误代码：..........................................61

2.9域13.......................................................................................................62

2.9.1变量属性：..........................................62

2.9.2域描述：............................................62

2.9.3用法：..............................................62

2.9.4错误代码：..........................................63

2.10域14.......................................................................................................64

2.10.1变量属性.............................................64

2.10.2域描述...............................................64

2.10.3用法................................................64

2.10.4错误代码：...........................................64

2.11域15.......................................................................................................65

2.11.1变量属性：...........................................65

2.11.2域描述：............................................65

2.11.3用法：..............................................65

2.11.4错误代码：...........................................66

2.12域18.......................................................................................................67

2.12.1变量属性：...........................................67

2.12.2域描述：............................................67

2.12.3用法：..............................................67

2.12.4错误代码：...........................................67

2.13域22.......................................................................................................68

2.13.1变量属性：...........................................68

2.13.2域描述：............................................68

2.13.3用法：..............................................68

2.13.4错误代码：...........................................69

2.14域23........................................................................................................70

2.14.1变量属性：...........................................70

2.14.2域描述：............................................70

2.14.3用法：..............................................70

2.14.4错误代码：...........................................70

2.15域25........................................................................................................71

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2.15.1变量属性：...........................................71

2.15.2域描述：.............................................71

2.15.3用法：...............................................71

2.15.4错误代码：...........................................72

2.16域26....................................................73

2.16.1变量属性：...........................................73

2.16.2域描述：............................................73

2.16.3用法：..............................................73

2.16.4错误代码：...........................................73

2.17域32....................................................74

2.17.1变量属性：...........................................74

2.17.2域描述：............................................74

2.17.3用法：..............................................74

2.17.4错误代码：...........................................74

2.18域33....................................................76

2.18.1变量属性：...........................................76

2.18.2域描述：............................................76

2.18.3用法：..............................................76

2.18.4错误代码：...........................................77

2.19域35....................................................78

2.19.1变量属性：...........................................78

2.19.2域描述：............................................78

2.19.3用法：..............................................78

2.19.4错误代码：...........................................78

2.20域36....................................................79

2.20.1变量属性：...........................................79

2.20.2域描述：............................................79

2.20.3用法：..............................................79

2.20.4错误代码：..........................................79

2.21域37....................................................80

2.21.1变量属性：..........................................80

2.21.2域描述：............................................80

2.21.3用法：..............................................80

2.21.4错误代码：..........................................80

2.22域38....................................................81

2.22.1变量属性：...........................................81

2.22.2域描述：............................................81

2.22.3用法：..............................................81

2.22.4错误代码：...........................................81

2.23域39....................................................83

2.23.1变量属性：...........................................83

2.23.2域描述：............................................83

2.23.3用法：..............................................83

2.23.4错误代码：...........................................83

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银行卡联网联合技术规范

2.24域41....................................................84

2.24.1变量属性：..........................................84

2.24.2域描述：............................................84

2.24.3用法：..............................................84

2.24.4错误代码：..........................................85

2.25域42....................................................86

2.25.1变量属性：..........................................86

2.25.2域描述：............................................86

2.25.3用法：..............................................86

2.25.4错误代码：..........................................86

2.26域43....................................................87

2.26.1变量属性：..........................................87

2.26.2域描述：............................................87

2.26.3用法：..............................................87

2.26.4错误代码：..........................................88

2.27域44....................................................89

2.27.1变量属性：..........................................89

2.27.2域描述：............................................89

2.27.3用法：..............................................89

2.27.4错误代码：..........................................90

2.28域48....................................................91

2.28.1变量属性：..........................................91

2.28.2域描述：............................................91

2.28.3用法一：............................................91

2.28.4用法二：............................................91

2.28.5用法三：............................................92

2.28.6错误代码：..........................................93

2.29域49....................................................94

2.29.1变量属性：..........................................94

2.29.2域描述：............................................94

2.29.3用法：..............................................94

2.29.4错误代码：..........................................94

2.30域50....................................................95

2.30.1变量属性：...........................................95

2.30.2域描述：............................................95

2.30.3用法：..............................................95

2.30.4错误代码：...........................................95

2.31域52....................................................96

2.31.1变量属性：...........................................96

2.31.2域描述：............................................96

2.31.3用法：..............................................96

2.31.4错误代码：...........................................96

2.32域53....................................................97

2.32.1变量属性：...........................................97

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银行卡联网联合技术规范

2.32.2域描述：.............................................97

2.32.3用法一：.............................................97

2.32.4用法二：.............................................98

2.32.5错误代码：.........................................100

2.33域54...................................................101

2.33.1变量属性：.........................................101

2.33.2域描述：............................................101

2.33.3用法：..............................................101

2.33.4错误代码：.........................................102

2.34域60...................................................103

2.34.1变量属性：..........................................103

2.34.2域描述：............................................103

2.34.3用法：..............................................103

2.34.4错误代码：..........................................104

2.35域61...................................................105

2.35.1变量属性：..........................................105

2.35.2域描述：............................................105

2.35.3用法：..............................................105

2.35.4错误代码：..........................................105

2.36域66...................................................107

2.36.1变量属性：..........................................107

2.36.2域描述：............................................107

2.36.3用法：..............................................107

2.36.4错误代码：..........................................108

2.37域70...................................................109

2.37.1变量属性：..........................................109

2.37.2域描述：............................................109

2.37.3用法一：............................................109

2.37.4用法二：............................................110

2.37.5用法三：............................................110

2.37.6错误代码：..........................................110

2.38域74...................................................111

2.38.1变量属性：..........................................111

2.38.2域描述：............................................111

2.38.3用法：..............................................111

2.38.4错误代码：..........................................111

2.39域75...................................................112

2.39.1变量属性：..........................................112

2.39.2域描述：............................................112

2.39.3用法：..............................................112

2.39.4错误代码：..........................................112

2.40域76...................................................113

2.40.1变量属性：..........................................113

2.40.2域描述：............................................113

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银行卡联网联合技术规范

2.40.3用法：..............................................113

2.40.4错误代码：.........................................113

2.41域77......................................................................................................114

2.41.1变量属性：.........................................114

2.41.2域描述：...........................................114

2.41.3用法：.............................................114

2.41.4错误代码：.........................................114

2.42域78......................................................................................................115

2.42.1变量属性：.........................................115

2.42.2域描述：............................................115

2.42.3用法：..............................................115

2.42.4错误代码：.........................................115

2.43域79......................................................................................................116

2.43.1变量属性：.........................................116

2.43.2域描述：............................................116

2.43.3用法：..............................................116

2.43.4错误代码：.........................................116

2.44域80......................................................................................................117

2.44.1变量属性：.........................................117

2.44.2域描述：............................................117

2.44.3用法：..............................................117

2.44.4错误代码：.........................................117

2.45域81.....................................................................................................118

2.45.1变量属性：.........................................118

2.45.2域描述：............................................118

2.45.3用法：..............................................118

2.45.4错误代码：.........................................118

2.46域82......................................................................................................119

2.46.1变量属性：.........................................119

2.46.2域描述：............................................119

2.46.3用法：..............................................119

2.46.4错误代码：.........................................119

2.47域84......................................................................................................120

2.47.1变量属性：.........................................120

2.47.2域描述：............................................120

2.47.3用法：..............................................120

2.47.4错误代码：.........................................120

2.48域86......................................................................................................121

2.48.1变量属性：.........................................121

2.48.2域描述：............................................121

2.48.3用法：..............................................121

2.48.4错误代码：.........................................121

2.49域87.....................................................................................................122

2.49.1变量属性：..........................................122

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银行卡联网联合技术规范

2.49.2域描述：............................................122

2.49.3用法：..............................................122

2.49.4错误代码：..........................................122

2.50域88...................................................123

2.50.1变量属性：.........................................123

2.50.2域描述：............................................123

2.50.3用法：..............................................123

2.50.4错误代码：.........................................123

2.51域89...................................................124

2.51.1变量属性：.........................................124

2.51.2域描述：............................................124

2.51.3用法：..............................................124

2.51.4错误代码：..........................................124

2.52域90...................................................125

2.52.1变量属性：..........................................125

2.52.2域描述：............................................125

2.1.1用法：..............................................125

2.52.3错误代码：..........................................126

2.2域95...................................................127

2.52.4变量属性：.........................................127

2.52.5域描述：............................................127

2.52.6用法：..............................................127

2.52.7错误代码：.........................................127

2.53域96...................................................128

2.53.1变量属性：.........................................128

2.53.2域描述：............................................128

2.53.3用法：..............................................128

2.54域97...................................................129

2.54.1变量属性：.........................................129

2.54.2域描述：............................................129

2.54.3用法：..............................................129

2.54.4错误代码：.........................................129

2.55域99...................................................130

2.55.1变量属性：.........................................130

2.55.2域描述：............................................130

2.55.3用法：..............................................130

2.55.4错误代码：.........................................130

2.56域100..................................................131

2.56.1变量属性：.........................................131

2.56.2域描述：............................................131

2.56.3用法：..............................................131

2.56.4错误代码：.........................................131

2.57域121..................................................132

2.57.1变量属性：..........................................132

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银行卡联网联合技术规范

2.57.2域描述：............................................132

2.57.3用法：..............................................133

2.57.4错误代码：..........................................133

2.58域122..................................................134

2.58.1变量属性：..........................................134

2.58.2域描述：............................................134

2.58.3用法：..............................................134

2.58.4错误代码：..........................................134

2.59域123..................................................136

2.59.1变量属性：..........................................136

2.59.2域描述：............................................136

2.59.3用法：..............................................136

2.59.4错误代码：..........................................136

2.60域128..................................................137

2.60.1变量属性：.........................................137

2.60.2域描述：...........................................137

2.60.3用法：.............................................137

3消息交换说明..................................................139

3.1消息格式的表示方法.....................................139

3.1.1符号约定...........................................139

3.1.2消息格式说明示意...................................139

3.2预授权.................................................141

3.3预授权撤消.............................................142

3.4预授权冲正.............................................144

3.5ATM取款................................................146

3.6查询交易...............................................147

3.7POS金融交易-消费......................................148

3.8POS金融交易-预授权完成.................................149

3.9PO