银联企业标准

目 次
前言................................................................................. IV
1 范围................................................................................ 1
2 术语和定义.......................................................................... 1
2.1 ARPC authorization response cryptogram................................................ 1
2.2 ARQC authorization request cryptogram................................................. 1
2.3 EMV 标准 EMV standard ............................................................ 1
2.4 MAC 密钥 message authentication code key; MAK........................................ 1
2.5 PIN 加密密钥 personal identification number key; PIK ..................................... 1
2.6 报文 message ..................................................................... 1
2.7 报文鉴别码 message authentication code; MAC.......................................... 1
2.8 查询/查复 inquiry/inquiry response .................................................... 1
2.9 差错交易 adjustment ............................................................... 1
2.10 差错例外 exception ............................................................... 2
2.11 长连接 persistent link .............................................................. 2
2.12 成员主密钥 member master key; MMK ............................................... 2
2.13 冲正 reversal ..................................................................... 2
2.14 磁条卡 magnetic stripe card ......................................................... 2
2.15 存储转发 store and forward ......................................................... 2
2.16 存款交易 deposit transaction ........................................................ 2
2.17 存款确认 deposit confirmation....................................................... 2
2.18 代付交易 payment ................................................................ 2
2.19 代收交易 collection ............................................................... 2
2.20 代授权 stand-in authorization ........................................................ 2
2.21 贷记调整 credit adjustment ......................................................... 2
2.22 单信息交易 single-message transaction ................................................ 2
2.23 调单/调单回复 retrieval request/retrieval response ....................................... 3
2.24 调单展期 retrieval postponement ..................................................... 3
2.25 短连接 transitory link .............................................................. 3
2.26 对称加密技术 symmetric cryptographic technique ....................................... 3
2.27 二次退单 second chargeback ........................................................ 3
2.28 发卡方 issuer..................................................................... 3
2.29 发卡机构 issuer................................................................... 3
2.30 发卡行标识代码 bank identification number; BIN ....................................... 3
2.31 非对称加密技术 asymmetric cryptographic technique .................................... 3
2.32 个人标识码 personal identification number; PIN......................................... 3
2.33 工作密钥 working key; WK......................................................... 3
2.34 公共服务平台 public services platform ................................................ 3
2.35 公钥 public key ................................................................... 4
2.36 公钥证书 public key certification..................................................... 4
Q/CUP 001—2004
II
2.37 哈什函数 hash function ............................................................ 4
2.38 哈什结果 hash result............................................................... 4
2.39 集成电路卡 integrated circuit card.................................................... 4
2.40 集成电路模块 integrated circuit module ............................................... 4
2.41 加密机主密钥 master key; MK ...................................................... 4
2.42 加密算法 cryptographic algorithm .................................................... 4
2.43 间联 indirect connection ............................................................ 4
2.44 建立/撤销委托关系交易 Setup/Cancellation Clientage Transaction.......................... 4
2.45 交易 transaction .................................................................. 4
2.46 交易处理码 transaction processing code ............................................... 4
2.47 结算通知 settlement advice ......................................................... 4
2.48 金融类撤销交易 financial cancellation transaction ....................................... 5
2.49 金融类交易 financial transaction ..................................................... 5
2.50 卡号 card number ................................................................. 5
2.51 例外协商/例外协商回复 exception consultation/exception consultation response ............... 5
2.52 密文 cipher text................................................................... 5
2.53 密钥 key ........................................................................ 5
2.54 明文 plaintext .................................................................... 5
2.55 清分 clearing..................................................................... 5
2.56 清算 settlement ................................................................... 5
2.57 清算数据 settlement data ........................................................... 5
2.58 请款 presentment ................................................................. 5
2.59 请求类交易 request transaction ...................................................... 5
2.60 取现交易 cash withdraw............................................................ 6
2.61 圈存 load........................................................................ 6
2.62 圈提 unload...................................................................... 6
2.63 认证机构 certification authority ...................................................... 6
2.64 日期切换通知 date switch advice..................................................... 6
2.65 入网机构标识码 member institution identification code ................................... 6
2.66 商户类别代码 merchant category code ................................................ 6
2.67 涉嫌卡交易监控 suspicious card transaction monitoring .................................. 6
2.68 收/付费交易 charge/pay transaction................................................... 6
2.69 收单机构 acquirer................................................................. 6
2.70 受理方 acceptor .................................................................. 6
2.71 授权撤销交易 authorization cancellation transaction ..................................... 6
2.72 授权交易 authorization transaction ................................................... 6
2.73 授权码 authorization code .......................................................... 7
2.74 数据包 datagram.................................................................. 7
2.75 数据密钥 data key ................................................................ 7
2.76 数字签名 digital signature .......................................................... 7
2.77 双信息交易 dual message transaction ................................................. 7
2.78 私有密钥 private key .............................................................. 7
2.79 特约商户 merchant ................................................................ 7
2.80 通知 advice ...................................................................... 7
Q/CUP 001—2004
III
2.81 通知类交易 advice transaction ....................................................... 7
2.82 退单 chargeback .................................................................. 7
2.83 退货（联机）交易 (online) refund transaction .......................................... 7
2.84 网络管理通知交易 network management advice transaction ............................... 7
2.85 响应码 response code .............................................................. 8
2.86 消费交易 purchase transaction ....................................................... 8
2.87 消费撤销交易 purchase cancellation transaction ......................................... 8
2.88 销售点终端 point of sale; POS....................................................... 8
2.89 银联标识......................................................................... 8
2.90 银联卡........................................................................... 8
2.91 银联信息处理中心 CUP information switch center ...................................... 8
2.92 银行卡 bank card ................................................................. 8
2.93 硬件加密机 hardware and security module; HSM........................................ 8
2.94 余额查询交易 balance inquiry transaction.............................................. 8
2.95 预授权交易 pre-authorization transaction .............................................. 8
2.96 预授权撤销交易 pre-auth cancellation transaction ....................................... 8
2.97 预授权完成（离线）交易 (offline) pre-authorization completion transaction.................. 9
2.98 预授权完成（联机）交易 (online) pre-authorization completion transaction .................. 9
2.99 预授权完成（手工） pre-authorization completion (manual) .............................. 9
2.100 预授权完成撤销交易 pre-authorization completion cancellation transaction .................. 9
2.101 再请款 re-presentment ............................................................ 9
2.102 直联 direct connection ............................................................ 9
2.103 终端MAC 密钥 terminal MAC key; TAK ............................................ 9
2.104 终端PIN 密钥 terminal PIN key; TPK............................................... 9
2.105 终端工作密钥 terminal working key; TWK ........................................... 9
2.106 终端主密钥 terminal master key; TMK ............................................... 9
2.107 重置密钥 key reset ............................................................... 9
2.108 主账号 primary account number..................................................... 9
2.109 转出方 transfer-out ............................................................... 9
2.110 转入方 transfer-in ............................................................... 10
2.111 转入确认 transfer-in confirmation .................................................. 10
2.112 转账交易 transfer transaction ...................................................... 10
2.113 资金结算交易 settlement transaction ................................................ 10
2.114 自动柜员机 automated teller machine; ATM.......................................... 10
3 缩略语 Abbreviations ................................................................. 10