銀行卡聯(lián)網(wǎng)聯(lián)合技術(shù)規(guī)范

銀行卡聯(lián)網(wǎng)聯(lián)合技術(shù)規(guī)范

（區(qū)域中心版）

銀行卡聯(lián)網(wǎng)聯(lián)合技術(shù)規(guī)范

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

0.1主題內(nèi)容與適用范圍......................................13

0.2引用標(biāo)準(zhǔn)及參考文獻(xiàn)......................................13

0.2.1引用標(biāo)準(zhǔn).............................................13

0.2.2參考文獻(xiàn).............................................13

0.3術(shù)語....................................................14

1SMS交易定義及流程..............................................17

1.1消息類型................................................17

1.1.1請求類消息標(biāo)識碼.....................................17

1.1.2通知類消息標(biāo)識碼.....................................17

1.1.3消息類型表......................................18

1.2預(yù)授權(quán)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預(yù)授權(quán)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查詢交易(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沖正通知(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異常交易流程........................................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異常交易流程........................................31

1.9對賬交易(ReconciliationTransaction)052X/053X........32

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

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

1.10管理類交易(AdministrationTransaction)0620/0630.......33

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

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

1.11網(wǎng)絡(luò)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重置密鑰(DynamicKeyExchangeTransaction)0800/0810....37

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

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

1.13差錯處理通知(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預(yù)授權(quán)交易...........................................42

1.14.2預(yù)授權(quán)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沖正通知.............................................43

1.14.6差錯處理通知(發(fā)卡方)...............................44

1.14.7差錯處理通知(受理方)...............................44

1.14.8對賬交易.............................................44

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

1.14.10網(wǎng)絡(luò)管理通知交易.................................45

1.14.11重置密鑰交易....................................45

1.15超時限定................................................46

2消息域說明.....................................................47

2.1說明....................................................47

2.1.1數(shù)據(jù)類型............................................47

2.1.2注釋................................................48

2.2消息類型(MESSAGE-TYPE-IDENTIFIER).......................49

2.2.1變量屬性：..........................................49

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

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

2.3.1變量屬性：..........................................52

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

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

2.3.4錯誤代碼：..........................................53

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

2.4.1變量屬性：..........................................54

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

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

2.4.4錯誤代碼：..........................................56

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

2.5.1變量屬性：..........................................57

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

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

2.5.4錯誤代碼：...........................................57

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

2.6.1變量屬性：...........................................58

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銀行卡聯(lián)網(wǎng)聯(lián)合技術(shù)規(guī)范

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

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

2.6.4錯誤代碼：..........................................59

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

2.7.1變量屬性：..........................................60

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

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

2.7.4錯誤代碼：.........................................60

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

2.8.1變量屬性：..........................................61

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

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

2.8.4錯誤代碼：..........................................61

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

2.9.1變量屬性：..........................................62

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

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

2.9.4錯誤代碼：..........................................63

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

2.10.1變量屬性.............................................64

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

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

2.10.4錯誤代碼：...........................................64

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

2.11.1變量屬性：...........................................65

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

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

2.11.4錯誤代碼：...........................................66

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

2.12.1變量屬性：...........................................67

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

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

2.12.4錯誤代碼：...........................................67

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

2.13.1變量屬性：...........................................68

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

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

2.13.4錯誤代碼：...........................................69

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

2.14.1變量屬性：...........................................70

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

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

2.14.4錯誤代碼：...........................................70

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

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2.15.1變量屬性：...........................................71

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

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

2.15.4錯誤代碼：...........................................72

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

2.16.1變量屬性：...........................................73

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

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

2.16.4錯誤代碼：...........................................73

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

2.17.1變量屬性：...........................................74

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

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

2.17.4錯誤代碼：...........................................74

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

2.18.1變量屬性：...........................................76

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

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

2.18.4錯誤代碼：...........................................77

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

2.19.1變量屬性：...........................................78

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

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

2.19.4錯誤代碼：...........................................78

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

2.20.1變量屬性：...........................................79

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

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

2.20.4錯誤代碼：..........................................79

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

2.21.1變量屬性：..........................................80

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

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

2.21.4錯誤代碼：..........................................80

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

2.22.1變量屬性：...........................................81

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

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

2.22.4錯誤代碼：...........................................81

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

2.23.1變量屬性：...........................................83

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

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

2.23.4錯誤代碼：...........................................83

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

2.24.1變量屬性：..........................................84

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

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

2.24.4錯誤代碼：..........................................85

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

2.25.1變量屬性：..........................................86

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

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

2.25.4錯誤代碼：..........................................86

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

2.26.1變量屬性：..........................................87

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

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

2.26.4錯誤代碼：..........................................88

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

2.27.1變量屬性：..........................................89

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

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

2.27.4錯誤代碼：..........................................90

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

2.28.1變量屬性：..........................................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錯誤代碼：..........................................93

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

2.29.1變量屬性：..........................................94

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

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

2.29.4錯誤代碼：..........................................94

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

2.30.1變量屬性：...........................................95

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

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

2.30.4錯誤代碼：...........................................95

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

2.31.1變量屬性：...........................................96

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

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

2.31.4錯誤代碼：...........................................96

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

2.32.1變量屬性：...........................................97

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

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

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

2.32.5錯誤代碼：.........................................100

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

2.33.1變量屬性：.........................................101

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

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

2.33.4錯誤代碼：.........................................102

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

2.34.1變量屬性：..........................................103

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

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

2.34.4錯誤代碼：..........................................104

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

2.35.1變量屬性：..........................................105

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

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

2.35.4錯誤代碼：..........................................105

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

2.36.1變量屬性：..........................................107

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

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

2.36.4錯誤代碼：..........................................108

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

2.37.1變量屬性：..........................................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錯誤代碼：..........................................110

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

2.38.1變量屬性：..........................................111

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

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

2.38.4錯誤代碼：..........................................111

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

2.39.1變量屬性：..........................................112

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

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

2.39.4錯誤代碼：..........................................112

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

2.40.1變量屬性：..........................................113

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

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

2.40.4錯誤代碼：.........................................113

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

2.41.1變量屬性：.........................................114

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

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

2.41.4錯誤代碼：.........................................114

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

2.42.1變量屬性：.........................................115

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

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

2.42.4錯誤代碼：.........................................115

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

2.43.1變量屬性：.........................................116

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

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

2.43.4錯誤代碼：.........................................116

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

2.44.1變量屬性：.........................................117

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

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

2.44.4錯誤代碼：.........................................117

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

2.45.1變量屬性：.........................................118

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

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

2.45.4錯誤代碼：.........................................118

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

2.46.1變量屬性：.........................................119

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

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

2.46.4錯誤代碼：.........................................119

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

2.47.1變量屬性：.........................................120

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

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

2.47.4錯誤代碼：.........................................120

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

2.48.1變量屬性：.........................................121

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

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

2.48.4錯誤代碼：.........................................121

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

2.49.1變量屬性：..........................................122

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

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

2.49.4錯誤代碼：..........................................122

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

2.50.1變量屬性：.........................................123

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

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

2.50.4錯誤代碼：.........................................123

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

2.51.1變量屬性：.........................................124

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

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

2.51.4錯誤代碼：..........................................124

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

2.52.1變量屬性：..........................................125

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

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

2.52.3錯誤代碼：..........................................126

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

2.52.4變量屬性：.........................................127

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

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

2.52.7錯誤代碼：.........................................127

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

2.53.1變量屬性：.........................................128

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

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

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

2.54.1變量屬性：.........................................129

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

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

2.54.4錯誤代碼：.........................................129

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

2.55.1變量屬性：.........................................130

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

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

2.55.4錯誤代碼：.........................................130

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

2.56.1變量屬性：.........................................131

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

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

2.56.4錯誤代碼：.........................................131

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

2.57.1變量屬性：..........................................132

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

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

2.57.4錯誤代碼：..........................................133

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

2.58.1變量屬性：..........................................134

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

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

2.58.4錯誤代碼：..........................................134

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

2.59.1變量屬性：..........................................136

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

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

2.59.4錯誤代碼：..........................................136

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

2.60.1變量屬性：.........................................137

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

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

3消息交換說明..................................................139

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

3.1.1符號約定...........................................139

3.1.2消息格式說明示意...................................139

3.2預(yù)授權(quán).................................................141

3.3預(yù)授權(quán)撤消.............................................142

3.4預(yù)授權(quán)沖正.............................................144

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

3.6查詢交易...............................................147

3.7POS金融交易-消費(fèi)......................................148

3.8POS金融交易-預(yù)授權(quán)完成.................................149

3.9PO