JR/T 0093.1-2012 in English
VALIDChina Financial Mobile Payment-Remote Payment Applications-Part 1:Data Elements
- Issued on:2012-12-12
- Implemented on:2012-12-12
- File Format:PDF
- Delivery:Via email within 1~3 business days
$321.00
| Standard No: | JR/T 0093.1-2012 |
| Document status: | VALID |
| Title in English: | China Financial Mobile Payment-Remote Payment Applications-Part 1:Data Elements |
| Title in Chinese: | 中国金融移动支付 远程支付应用 第1部分：数据元 |
| Language: | English |
| File Format: | Electronic (PDF) |
| Delivery: | Via email within 1~3 business days |
| Issued on: | 2012-12-12 |
| Implemented on: | 2012-12-12 |
| Professional Classification: | JR-Finance |
| Related Topics: | Pay again and again
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Introduction
Standard Background and Significance
With the rapid development of mobile payment business, the demand for information exchange between different institutions is growing. The formulation of JR/T 0093.1-2012 standard aims to unify the definition of data elements of remote payment system and solve the interconnection and interoperability problems between banks and non-financial payment institutions. The standard is led by the People's Bank of China and jointly compiled with major commercial banks and third-party payment institutions.
Core Data Element Classification System
| Classification | Subclass | Typical Data Element | Application Scenarios |
|---|---|---|---|
| Basic Information | Public Information | Interface Version Number, Transaction Serial Number | System Connection Basic Identifier |
| Transaction Information | Transaction Amount, Account Type | Payment Business Processing | |
| Security Information | Digital Signature, Encryption Algorithm | Transaction Security Assurance | |
| Extended Information | Business Information | Order description, service type | Business scenario extension |
Key technical specifications
Data element attribute definition
The standard adopts the five-dimensional attribute model to define data elements:
- Chinese name: a name with clear business semantics (such as "primary account")
- Identifier: an English camel case name (such as AccountNumber)
- Data format: an/n/m and other type tags are used (for example: nMAX(19) indicates a maximum of 19 digits)
- Value range: a clear value range (such as currency code reference GB/T 12406)
- Description: a detailed explanation of the business meaning
Security control requirements
The standard puts forward specific technical requirements for the SE security carrier:
- Support 6 types of carriers such as NFC-SIM and dual-interface SD card
- Dynamic key data is stored in H16 format
- Digital signature supports three algorithms: RSA/DSA/HMAC
Typical case: Cross-border payment needs to include both the transaction currency (TrxCurrencyCode) and settlement exchange rate (SettlementExchangeRate) data elements
Implementation suggestions
Key points for system transformation
- Transaction messages must include the interface version number (Version) and the message authentication code (MAC)
- Account data elements need to distinguish between bank and non-bank types (AccountType)
- Extended information uses ansMAX(1024) format to ensure compatibility
Evolution direction
Subsequent versions should consider:
- Inclusion of biometric authentication data elements
- Blockchain payment scenario expansion
- Mapping relationship with the international standard EMVCo
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