JR/T 0088.1-2012 in English
VALIDChina financial mobile payment. Application basis. Part 1: Terminology
- Issued on:2012-12-12
- Implemented on:2012-12-12
- File Format:PDF
- Delivery:Via email within 5 business days
$301.00
| Standard No: | JR/T 0088.1-2012 |
| Document status: | VALID |
| Title in English: | China financial mobile payment. Application basis. Part 1: Terminology |
| Title in Chinese: | 中国金融移动支付 应用基础 第1部分:术语 |
| Language: | English |
| File Format: | Electronic (PDF) |
| Delivery: | Via email within 5 business days |
| Issued on: | 2012-12-12 |
| Implemented on: | 2012-12-12 |
| Professional Classification: | JR-Finance |
| Related Keywords: | remote payment near-field payment
financial mobile payment mobile payment transactions first mobile payment terminology system payment system |
| Related Topics: | mobile payment
german mobile technology Analytical Application Fundamentals jr/t+0074-2012 jr/t 0071-2012 application base to pay China Mobile application basis China Gold application basis pay National Finance jr/t0074-2012 JR/t en10216-1 corresponds to China China Financial Mobile Payment jr/t 0099-2012 |
Introduction
Standard Development Background and Technology Evolution
With the popularization of mobile Internet and NFC technology, the scale of mobile payment transactions in my country exceeded 100 billion yuan in 2012. However, the industry faces problems such as poor compatibility of POS terminals and inconsistent standards for SE security units. As the first mobile payment terminology system in the financial industry, this standard fills the domestic gap and lays the foundation for the subsequent formulation of the JR/T 0088 series of standards.
Analysis of the core terminology system
| Classification | Number of terms | Typical terms | Technical relevance |
|---|---|---|---|
| Payment method | 6 | Near field payment/remote payment/SMS payment | NFC and mobile network |
| Hardware equipment | 9 | Mobile terminal/split terminal/smart SD card | SE carrier form |
| Security mechanism | 13 | Dynamic password/two-factor authentication/anti-collision mechanism | Financial-grade security |
Comparison of key technology definitions
1. Near-field payment vs. remote payment
Near-field payment (Article 2.5) requires the physical proximity (usually ≤10cm) between the mobile terminal and the acceptance terminal, and completes the transaction through NFC or radio frequency technology. The typical scenario is supermarket POS payment.
Remote payment (Article 2.6) relies on the mobile network to connect to the backend system, including QR code payment, APP payment and other modes.
2. Security Unit Architecture
The standard clearly defines the three-layer architecture of the SE security unit (Article 2.11):
- Primary Security Domain (ISD) (Article 2.48): the core security area controlled by the SE issuer
- Secondary Security Domain (SSD) (Article 2.49): the independent security space of the application provider
- Security Carrier (Article 2.57): the physical carrier medium of the SE (such as SIM card, eSE chip)
Implementation Recommendations
- System Development: The design of the payment system must strictly follow the four major system architectures defined in Articles 2.14-2.17 (remote payment/acquiring/account management/transfer and clearing)
- Security certification: SE products should meet the requirements of COS operating system in Article 2.18 and KMS key management in Article 2.19
- Interoperability: Institution code (Article 2.53) and PAID payment application identifier (Article 2.51) are key identifiers for cross-institution transactions
Direction of standard evolution
With the development of biometrics and tokenization technology, it is recommended to add the following to subsequent versions:
- Face/fingerprint payment terminology
- Payment tokenization definition
- IoT payment scenario expansion
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