CR 1750-1999 Identification card systems - Inter-sector messages between devices and hosts - Acceptor to acquirer messages《识别卡系统 设备和主机间的内部信息 获得信息的接受体》.pdf

1、PUBLISHED DOCUMENT PD CR 1750:1999 CR 1750:1999 Identification card systems Inter-sector messages between devices and hosts Acceptor to acquirer messages ICS 35.240.15; 35.240.40PDCR1750:1999 This Published Document, havingbeen prepared under thedirectionof the DISC Board,waspublished under the auth

2、orityof the Standards Committee and comes into effect on 15November1999 BSI 03-2000 ISBN 0 580 35456 3 National foreword This Published Document reproduces verbatim CR1750:1999. The UK participation in its preparation was entrusted to Technical Committee IST/17, Identification Cards and Related Devi

3、ces, which has the responsibility to: aid enquirers to understand the text; present to the responsible international/European committee any enquiries on the interpretation, or proposals for change, and keep the UK interests informed; monitor related international and European developments and promul

4、gate them in the UK. A list of organizations represented on this committee can be obtained on request to its secretary. Cross-references The British Standards which implement international publications referred to in this document may be found in the BSI Standards Catalogue under the section entitle

5、d “International Standards Correspondence Index”, or by using the “Find” facility of the BSI Standards Electronic Catalogue. A British Standard does not purport to include all the necessary provisions of a contract. Users of British Standards are responsible for their correct application. Compliance

6、 with a British Standard does not of itself confer immunity from legal obligations. Summary of pages This document comprises a front cover, an inside front cover, pagesiandii, theCR title page, pages2to 81 and a back cover. This standard has been updated (see copyright date) and may have had amendme

7、nts incorporated. This will be indicated in the amendment table on the inside front cover. Amendments issued since publication Amd. No. Date CommentsPDCR1750:1999 BSI 03-2000 i Contents Page National foreword Inside front cover Foreword 2 Text of CR 1750 5ii blankCEN REPORT RAPPORT CEN CEN BERICHT C

8、R 1750 April 1999 ICS English version Identification card systems Inter-sector messages between devices and hosts Acceptor to acquirer messages Systmes de cartes didentification Messages intersectoriels entre terminaux et htes Messages entre accepteur et acqureur Identifikationskartensysteme Branche

9、nbergreifende Nachrichten zwischen Endgerten und Zentrarechnem Nachrichten zwischen kartenakzeptant und Acquirer This CEN Report was approved by CEN on3March1999. It has been drawn up by the Technical Committee CEN/TC224. CEN members are the national standards bodies of Austria, Belgium, CzechRepubl

10、ic, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland and United Kingdom. CEN European Committee for Standardization Comit Europen de Normalisation Europisches Komitee fr Normung Central Secretariat: rue de Stass

11、art 36, B-1050 Brussels 1999 CEN All rights of exploitation in any form and by any means reserved worldwide for CEN national Members. Ref. No. CR 1750:1999 ECR1750:1999 2 BSI 03-2000 Foreword This document has been prepared by CEN/TC224, “Machine readable cards, related device interfaces and operati

12、ons”. According to the CEN/CENELEC Internal Regulations, the national standards organizations of the following countries are bound to implement this document: Austria, Belgium, the CzechRepublic, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Netherlands, Norway, Por

13、tugal, Spain, Sweden, Switzerland, and the UnitedKingdom. A financial transaction between a retailer and the financial institutions concerned by a card payment brings into play: a commercial operation giving rise to a payment by card; a relationship between the retailer (card acceptor) and an initia

14、l financial institution (acquirer) in order to ensure the transmission of the elements of the commercial operation; a relationship between the initial financial institution and the banking system. This last relationship has formed the subject of international CEN Reportisation work within the bankin

15、g sector (ISO8583). Since it involved the banking sector, the scope of the ISO8583 CEN Report was unable to be extended in order to constitute an intersector CEN Report taking into account the card acceptor acquirer relationship upstream stage. An attempt along these lines, within the competent ISO

16、committee, which met with a refusal by the national committees, confirmed this assertion. The development of an intersector CEN Report, dealing specifically with the retailer initial financial institution relationship, retranscribing as far as possible the data elements and the syntax of the CEN Rep

17、ortised messages used in the banking sector, was therefore decided upon and undertaken in order to meet the needs of the corresponding European markets. The CEN Report draft submitted to vote gave rise to two types of reactions, on behalf of certain countries, which led to its rejection: such a CEN

18、Report would be unnecessary, as the ISO8583 CEN Report already meets the need; such a CEN Report would be inappropriate for some of the countries which had already heavily invested in their payment terminal software, despite the envisaged transitional period, which might have resulted in a period of

19、 up to five or six years, prior to the putting into application of the CEN Report. This last objection was unable to be resolved. So that all those, incidentally numerous, who, in Europe, wish to implement this specification may nevertheless do it on a joint and coherent basis, it was decided to all

20、ow them to have at their disposal the result of the quality technical work carried out within the framework of this CEN Reportisation work and to render it public in the form of a CEN Report.CR1750:1999 BSI 03-2000 3 Contents Page Foreword 2 Introduction 5 1 Scope 5 2 Normative references 6 3 Terms

21、and definitions 6 4 Message structure 9 5 Data element directory 25 6 Data element usage by message type 31 7 Single transaction flow diagrams 37 8 Multiple transaction flow diagrams 40 9 Message and transaction matching 43 Annex A (normative) Code listings 44 Annex B (informative) Conversion guide

22、54 Annex C (informative) Maintenance Agency 81 Figure 1 Bit map 16 Figure 2 Authorization transactions 37 Figure 3 Financial transactions 38 Figure 4 File action transactions 38 Figure 5 Reversal transactions 39 Figure 6 Reconciliation transactions 39 Figure 7 Administration transactions 39 Figure 8

23、 Network management transactions 40 Figure 9 Upload and download card acceptor initiated 41 Figure 10 Upload and download acquirer initiated 42 Figure 11 Reconciliation acquirer initiated 43 Figure B.1 Conversion to ISO 8583 message format for interchange 55 Figure B.2 Example 1 Diagram 64 Figure B.

24、3 Example 2 Diagram 71 Figure B.4 Example 3 Diagram 75 Table 1 Message type identifiers 01xx 11 Table 2 Message type identifiers 02xx 12 Table 3 Message type identifiers 03xx 12 Table 4 Message type identifiers 04xx 13 Table 5 Message type identifiers 05xx 14 Table 6 Message type identifiers 06xx 15

25、 Table 7 Message type identifiers 08xx 15 Table 8 Bit maps 16 Table 9 Data element directory 26 Table 10 Conditional usage 32 Page Table 11 Authorization message class Dataelement usage by message type 33 Table 12 Financial message class Data element usage by message type 34 Table 13 File action mes

26、sage class Dataelement usage by message type 34 Table 14 Reversal message class Data element usage by message type 35 Table 15 Reconciliation message class Data element usage by message type 36 Table 16 Administrative message class Data element usage by message type 36 Table 17 Network management me

27、ssage class Data element usage by message type 37 Table A.1 Function code (bit 24) 49 Table A.2 Message reason code (bit 25) 51 Table A.3 Amount type code (sub-data element of bit 54) 54 Table B.1 Relationship to ISO 8583 (1987 b) satisfy the needs of a wide variety of retail markets; c) provide fle

28、xibility to accommodate emerging technologies, and associated CEN Reports; d) reduce procurement costs; e) accommodate cross-border acceptance; f) facilitate message conversion by the acquirer in processing messages received from the card acceptor into the format suitable for onward transmission, vi

29、a the respective payments system, to the card issuer. This CEN Report has potential implications for existing commercial investment in card handling systems throughout Europe. It is recognised within CEN that, in the face of such substantial investment, an EN is not appropriate. It is also recognise

30、d that the relationship between this CEN Report and existing national practices varies widely between one country and another. Successful implementation will, therefore only occur when implementors are themselves able to determine clear commercial benefits. For these reasons, this document is publis

31、hed as a CEN Report. The differences between this CEN Report and EN 28583 are limited to those needed to support the many different environments found between the acceptor and the acquirer. These differences are detailed in clauseB.1. In summary these deal with batch uploading/downloading; the need

32、to minimize message length when the communications costs are high and transmission speeds low; there are some specific data elements only relevant to the acceptor to acquirer link. It is furthermore recognized that some system have been implemented using EN28583between the acceptor to the acquirer.

33、Particular attention has been paid in the design of this CEN Report to ensure its suitability for progression beyond Europe and into the global community. The close association of the global payments systems has ensured its applicability to other areas throughout the world. 1 Scope This CEN Report s

34、pecifies a common interface for the exchange of messages between card acceptors and acquirers or their agents. It defines the message structure, format and content, data elements, and values for data elements. It is based upon the same principles as EN28583 (ISO8583) and is intended to be used when

35、EN28583 is not appropriate. Where possible, data element names and attributes common to ISO usage are employed. Data representation and communication related characteristics such as protocol, header and trailer information, and transmission control are outside the scope of this CEN Report. Data repr

36、esentation used in individual systems is subject to the commercial relationships between the parties contracting to each system. The message formats specified in this CEN Report are designed to ensure that compatibility between systems conforming to this CEN Report is always feasible.CR1750:1999 6 B

37、SI 03-2000 2 Normative references This CEN Report incorporates, by dated or undated reference, provisions from other publications. These normative references are cited at the appropriate places in the text and the publications are listed hereafter. For dated references, subsequent amendments to or r

38、evisions of any of these publications apply to this CEN Report only when incorporated in it by amendment or revision. For undated references the latest edition of the publication referred to applies. EN 24909:1989, Bank cards Magnetic stripe data content for track 3 (ISO 4909:1987, ed. 2). EN 27813:

39、1992, Identification cards Financial transaction cards (ISO 7813:1990, ed. 3). EN 28583, Financial transaction card originated messages Interchange message specifications. EN 28601:1992, Data elements and interchange formats Information interchange Representation of dates and times (ISO 8601:1998 an

40、d its technical corrigendum 1:1991). EN 29564-1:1993, Banking Personal Identification Number management and security Part 1: PIN protection principles and techniques (ISO 9564-1:1991). ISO 4217:1995, Codes for the representation of currencies and funds. ISO 13489, Banking Data elements to be used in

41、 international interchange in relation to bit 55 (ICCsystem related data) of ISO8583. EN ISO 3166-1:1997, Codes for the representation of names of countries and their subdivisions Part 1: Country codes (ISO 3166-1:1997). EN ISO 8583-2:1998, Financial transaction card originated messages Interchange

42、message specifications Part 2: Application and registration procedures for Institution Identification Codes (IIC) (ISO8583-2:1998). EN ISO 8583-3:1998, Financial transaction card originated messages Interchange message specifications Part 3: Maintenance procedures for codes (ISO 8583-3:1998). EN ISO

43、 9807:1996, Banking and related financial services Requirements for message authentication (retail) (ISO 9807:1991). EN ISO/IEC 7812-1:1995, Identification cards Identification of issuers Part 1: Numbering system (ISO/IEC 7812-1:1993). 3 Terms and definitions For the purposes of this CEN Report, the

44、 following terms and definitions apply: 3.1 Definitions 3.1.1 acquirer the financial institution or its agent that acquires from the card acceptor the data relating to the transaction 3.1.2 advice a message where the sender notifies the receiver of an action that has been taken, requiring no approva

45、l but requiring a response 3.1.3 authorization the approval or guarantee of funds given to the card acceptor 3.1.4 bit map a series of64 bits used to identify the presence (denoted by1) or absence (denoted by0) of each data element in a message 3.1.5 card accepting device (CAD) the logical terminal (transaction terminal, electronic cash register, computer or other device or system) used at the card acceptor location to enter transaction data to be communicated to an acquirer