中国银联直联POS终端规范

编写说明........................................................................5
1．范围.........................................................................6
2．引用标准.....................................................................7
3．定义.........................................................................8
4．POS终端硬件要求.............................................................11
4.1 显示屏..............................................................................11
4.2 键盘................................................................................11
4.3 密码键盘............................................................................11
4.4 磁条阅读器..........................................................................11
4.5 交易存储量..........................................................................11
4.6 通讯................................................................................11
4.7 打印机..............................................................................12
4.8 电源.................................................................................12
4.9 安全性...............................................................................12
4.10 电磁兼容性..........................................................................12
4.10.1 无线电干扰极限值.............................................................12
4.10.2 电磁敏感度...................................................................12
4.11 可靠性..............................................................................12
5．POS终端硬件要求.............................................................13
5.1 系统软件............................................................................13
5.2 二次开发平台.......................................................................13
5.3 安全加密............................................................................13
6．POS终端安全要求.............................................................14
6.1 操作员密码..........................................................................14
6.2 POS终端密钥管理...................................................................14
6.2.1 二级密钥体系...................................................................14
6.2.2 POS终端MAC的算法.............................................................14
6.2.3 PIN加密.......................................................................14
7．POS终端管理功能.............................................................15
7.1 系统管理.............................................................................15
7.1.1 自检...........................................................................15
7.1.2 程序下载管理...................................................................15
7.1.3 参数管理.......................................................................15
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POS终端规范
7.1.4 终端状态管理...................................................................17
7.2 操作员管理...........................................................................17
7.2.1 系统管理员.....................................................................18
7.2.2 操作员管理.....................................................................18
7.3 应用管理.............................................................................18
7.3.1 签到管理.......................................................................18
7.3.2 批结算管理（0500/0510）........................................................19
7.3.3 批上送（0320/0330）............................................................19
7.3.4 签退管理（0820/0830）..........................................................20
7.3.5回响测试（0820/0830）..........................................................20
7.3.6 参数传递（0800/0810）..........................................................20
7.3.7 POS终端状态上送（0820/0830） ..................................................20
7.3.8 交易查阅功能...................................................................21
7.3.9 锁定功能.......................................................................21
7.3.10 清除POS记录..................................................................21
8．POS 终端交易功能............................................................. 22
8.1 联线交易功能........................................................................22
8.1.1 余额查询（0200/0210）..........................................................22
8.1.2 消费（0200/0210）..............................................................22
8.1.3 消费撤消（0200/0210）..........................................................22
8.1.4 退货（0220/0230）..............................................................22
8.1.5 预授权（0100/0110）............................................................22
8.1.6 预授权撤消（0100/0110）........................................................23
8.1.7 预授权完成（0200/0210）........................................................23
8.1.8 预授权完成撤消（0200/0210）....................................................23
8.1.9自动冲正（0400/0410）..........................................................23
8.2 离线交易功能........................................................................24
8.2.1 离线结算（0220/0230）..........................................................24
8.2.2 结算调整（0220/0230）..........................................................24
9．POS 终端交易处理流程................................ ......................... 25
9.1余额查询.............................................................................25
9.2消费..................................................................................26
9.3消费撤消.............................................................................27
9.4退货..................................................................................28
9.5预授权................................................................................29
9.6预授权撤消...........................................................................30
9.7预授权完成...........................................................................31
9.8预授权完成撤消.......................................................................32
9.9离线结算.............................................................................33
9.10 结算调整............................................................................34
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POS终端规范
9.11 批结算..............................................................................35
10 ．消息域说明................................ ................................ .. 36
10.1说明.................................................................................36
10.2数据类型............................................................................37
10.3数据元名称及其定义.................................................................38
10.3.1消息类型......................................................................38
10.3.2域2...........................................................................40
10.3.3域3...........................................................................41
10.3.4域4...........................................................................43
10.3.5域11..........................................................................44
10.3.6域12..........................................................................45
10.3.7域13..........................................................................46
10.3.8域14..........................................................................47
10.3.9域15..........................................................................48
10.3.10域22.........................................................................49
10.3.11域25.........................................................................50
10.3.12域26.........................................................................51
10.3.13域32.........................................................................52
10.3.14域35.........................................................................53
10.3.15域36.........................................................................54
10.3.16域37.........................................................................55
10.3.17域38.........................................................................56
10.3.18域39.........................................................................57
10.3.19域41.........................................................................58
10.3.20域42.........................................................................59
10.3.21域44.........................................................................60
10.3.22域48.........................................................................61
10.3.23域49.........................................................................64
10.3.24域52.........................................................................65
10.3.25域53.........................................................................66
10.3.26域54.........................................................................67
10.3.27域60.........................................................................68
10.3.28域61.........................................................................70
10.3.29域62.........................................................................71
10.3.30域63.........................................................................74
10.3.31域64.........................................................................76
11.POS 终端消息交换说明................................ ......................... 77
11.1消息格式说明........................................................................77
11.1.1消息格式......................................................................77
11.1.2 符号定义......................................................................78
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POS终端规范
11.2交易类...............................................................................79
11.2.1 余额查询......................................................................79
11.2.2 消费..........................................................................80
11.2.3 消费冲正......................................................................81
11.2.4 消费撤消......................................................................82
11.2.5 消费撤消冲正..................................................................83
11.2.6 退货..........................................................................84
11.2.7 预授权........................................................................85
11.2.8 预授权冲正....................................................................86
11.2.9 预授权撤消....................................................................87
11.2.10 预授权撤消冲正...............................................................88
11.2.11 预授权完成...................................................................89
11.2.12 预授权完成冲正...............................................................90
11.2.13 预授权完成撤消...............................................................91
11.2.14 预授权完成撤消冲正...........................................................92
11.3离线类...............................................................................93
11.3.1 结算交易......................................................................93
11.3.2 结算调整交易.................................................................94
11.4管理类...............................................................................95
11.4.1 签到..........................................................................95
11.4.2 签退..........................................................................95
11.4.3 批结算........................................................................96
11.4.4 批上送金融交易/批上送结束.....................................................96
11.4.5 批上送通知交易...............................................................97
11.4.6 POS参数传递.................................................................97
11.4.7 回响测试......................................................................97
11.4.8 POS状态上送.................................................................98
12 POS终端凭证要素及格式要求....................................................99
12.1 交易凭证要素......................................................................99
12.2 签购单要求及参考样式.............................................................99
12.2.1 签购单要求...................................................................99
12.2.2 签购单参考样式（套打）......................................................101
12.3 结算总计单参考样式...............................................................102
12.4 结算明细单参考样式...............................................................103
12.5 交易凭证尺寸要求（套打）........................................................104
附1：个人标识（PIN）的加密和解密方法.................................................105
附2：POS终端MAC的算法................................................................107
附3：对应答码的处理....................................................................109
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