1、 KSKSKSKSKSKSKSK KSKSKS KSKSK KSKS KSK KS KS X 6922 4 IC 4： , KS X 6922 4:2008 2008 12 19 http:/www.kats.go.krKS X 6922 4:2008 : e- ( ) ( ) () () ( ) : (http:/www.standard.go.kr) ： ：2003 12 30 ：2008 12 19 2008-0935 ： e- ： ( 02-509-7262) (http:/www.kats.go.kr). 10 5 , . KS X 6922 4:2008 i ii .1 1 1 2
2、 2 3 .2 4 .5 1 1 .6 2 8 3 .18 2 1 20 2 25 3 .26 3 , 1 .28 2 .32 A( ) 45 B( ) .50 C( ) .51 D( ) 53 E( ) .55 KS X 6922 4:2008 .58 KS X 6922 4:2008 ii . KS X 6922 4： 2008 . A( ) B( ) C( ) D( ) E( ) KS X 6922 4 “ IC ” . 1： IC 2： 3： 4： , KS X 6922 4:2008 IC 4： , Integrated circuit card specification for
3、payment systems Part 4： Cardholder, attendant, and acquirer interface requirements 2000 EMV 2000 4, Integrated circuit card specification for payment systems Part 4： Cardholder, attendant, and acquirer interface requirements , . 1 , IC , IC (Integrated Circuit Cards： IC ) , . . , , , . . . (ATM), ,
4、(cardholder activated) , , (POS) . IC , IC IC . KS X 6922 4:2008 2 . IC . IC , IC . , IC . (shall) IC , IC . (should) (may) . . . , . . . 2 . . ( ) . KS X 6511, KS X ISO 9564 1, 1： ATM POS PIN KS X ISO 9564 2, 2： PIN ISO 8583： 1987, Bank card originated messages Interchange message specifications Co
5、ntent for financial transactions(KS X ISO 8583 23 ) ISO 8859： 1987, Information processing 8-bit single-byte coded graphic character sets(KS X ISO/IEC 8859 3 6 ) Europay, MasterCard, and Visa(EMV)： December 2000 Application Independant IC Card and Terminal Interface Specification for Payment Systems
6、 Security Architecture Specification for Payment Systems ICC Application Specification for Payment Systems 3 . KS X 6922 4:2008 3 3.1 (application) 3.2 (byte) 8 . 3.3 (card) 3.4 (certification authority) 3 3.5 (command) IC IC 3.6 (cryptogram) 3.7 (exclusive OR) (carry) , . 0 0 0 0 1 1 1 0 1 1 1 0 3.
7、8 (function) . 3.9 (integrated circuit) 3.10 IC (integrated circuit card) 3.11 (interface device) IC , KS X 6922 4:2008 4 . 3.12 (kernel) . , (routines), (virtual machine) . , . 3.13 (key pad) , / . 3.14 (library) (high-level) , / . 3.15 (magnetic stripe) 3.16 (nibble) 4 3.17 (payment system) , Euro
8、pay International S.A., MasterCard International Incorporated Visa International Service Association . 3.18 PIN (pad) (personal identification number： PIN) 3.19 (response) IC IC 3.20 (script) IC 3.21 (socket) (execution vector) KS X 6922 4:2008 5 3.22 (terminal) IC . . 3.23 (transaction) . (POS) . .
9、 3.24 (virtual machine) , . 4 . AAC (Application Authentication Cryptogram) AAR (Application Authorization Referral) AC (Application Cryptogram) AID (Application Identifier) API (Application Program Interface) ARQC (Authorization Request Cryptogram) ATM (Automatic Teller Machine) CAD (Card Accepting
10、 Device) CPU (Central Processing Unit) CVM (Cardholder Verification Method) DDOL (Dynamic Data Authentication Data Object List) IC (Integrated Circuit) ICC IC (Integrated Circuit Card) IEC (International Electrotechnical Commission) IFD (Interface Device) I/O / (Input/Output) ISO (International Orga
11、nisation for Standardisation) MMDD , (Month, Day) PAN (Primary Account Number) PDOL (Processing Options Data Object List) PIN (Personal Identification Number) POS (Point of Service) pos (Position) RFU (Reserved for Future Use). RID ID(Registered Application provider Identification) SW1 1(Status word
12、 1) SW2 2(Status word 2) TC (Transaction Certificate) KS X 6922 4:2008 6 YYMM , (Year, Month) YYMMDD , , (Year, Month, Day) 1 1 1.1 (terminal types) , . , . ： ： ： , , ( ) . ( ) . (terminal type) . A . , , , . a) ( ) . (face to face) . b) ( ) . (face to face) . c) , . d) , . . e) . f) . . 1.2 (termin
13、al capabilities) , (terminal capabilities) (additional terminal capabilities) . . . (CVM) . KS X 6922 4:2008 7 . . . . ISO 8859 A . 1.3 (terminal configuration) . . I 1 , (IC) (IFD) PIN POS ( ). I 1 I 2 , . IC POS FID C E KS X 6922 4:2008 8 I 2 , POS , POS ( 2 3. ). I 3 , . I 3 2 IC , IC , . POS C E
14、 KS X 6922 4:2008 9 3 1.2 . , CVM . A . 2.1 IC IC . 2.3 . 2.2 . 2.3 . 2.3 IC IC . 2.3 . 2.3.12.3.9 IC . 2.3.1 (PDOL) ( , , ) , ( 2x) . , . . IC , GET PROCESSING OPTIONS SW1 SW2 6985 , . . . 2.3.2 , . 1 . IC . IC . 2.3.3 KS X 6922 4:2008 10 . . . , ATM . ATM A . , . 2.3.4 CVM . , CVM . CVM , CVM . 2.
15、3.4.1 CVM CVM PIN , VERIFY GET CHALL ENGE GET DATA PIN . PIN IC GET DATA , PIN . PIN 0 PIN PIN . PIN . 1 . PIN , CVM , CVM . PIN 0 PIN , PIN . PIN . IC PIN , CVM 3 . , CVM , CVM . 2.3.4.2 CVM CVM PIN , VERIFY . , PIN PIN PIN . PIN PIN . CVM 3 . . 2.3.4.3 PIN KS X 6922 4:2008 11 CVM PIN , PIN PIN PIN .1) , PIN , PIN PIN . 1 , PIN . 1 . CVM , CVM , CVM . 2.3.4.4 ( ) CVM , CVM 3 . . ( CVM A ). 2.3.4.5 CVM CVM CVM . CVM 3 . CVM CVM CVM 3 . . CVM 1 2 CVM . CVM (CVM 3 . ), CVM
