JR/T 0093.3-2012 in English
VALIDChina Financial Mobile Payment-Remote Payment Applications-Part 3:Message Structure and Elements
- Issued on:2012-12-12
- Implemented on:2012-12-12
- File Format:PDF
- Delivery:Via email within 1~3 business days
$262.00
| Standard No: | JR/T 0093.3-2012 |
| Document status: | VALID |
| Title in English: | China Financial Mobile Payment-Remote Payment Applications-Part 3:Message Structure and Elements |
| Title in Chinese: | 中国金融移动支付 远程支付应用 第3部分：报文结构及要素 |
| 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 Keywords: | china financial mobile payment
china financial mobile payment-remote payment applications-part mobile payment business message structure remote payment applications |
| Related Topics: | Pay again and again
mobile payment jr/t+0074-2012 jr/t 0071-2012 hard to pay Hundreds of billions of payments to pay Fu Ting Transfer Payment Transfer Payment China Mobile China Gold Fu Kun pay jr/t0074-2012 iec62443-3-2 corresponds to China JR/t jr/t 0099-2012 |
Introduction
Standard Background and Technology Evolution
With the rapid development of mobile payment business, the People's Bank of China issued the "China Financial Mobile Payment" series of standards in 2012, among which JR/T 0093.3 specifically regulates the message structure and elements of remote payment applications. This standard realizes the interconnection and interoperability between banks, payment institutions and merchants through a unified message interface, reducing transaction costs by 30%.
Core Message Design Methods
| Design Phase | Main Output | UML Modeling Requirements |
|---|---|---|
| Business Analysis | Business Process Definition | Use Case Diagram + Activity Diagram |
| Requirements Analysis | Information Exchange Requirements | Sequence Diagram |
| Logical Analysis | Message Flow Rules | Hierarchical Class Diagram |
| Technical Design | XML Schema | Physical Implementation Mapping |
Application case: Consumer transaction messages must contain dynamic key data (16-bit HEX), and sensitive information such as PIN must be encrypted through the SE security unit to ensure transaction security.
Message Structure Specification
The standard stipulates that XML messages are composed of three parts:
- XML indicator: declare version and encoding (such as GBK)
- Document Type Declaration: reference DTD or Schema
- Business Data: including Public header and Biz business body
<TPX> <Public>...</Public> <Biz> <TrxAmount>100.00</TrxAmount> </Biz> </TPX>
Analysis of key data items
| Transaction Type | Required Fields | Special Cross-border Requirements |
|---|---|---|
| Account Query | TrxSerialNumber | - |
| Consumption | MerchantID | Currency Code + Exchange Rate |
| Transfer | TargetAccountName | Clearing Exchange Rate |
Implementation Suggestions
1. Message Security: MAC values must be calculated for key fields such as TrxDateTime. It is recommended to use the SM3 algorithm
2. Version control: The message identifier must contain a 4-digit business code + a 3-digit function code + a version number (such as CCMP.001.01.02)
3. Exception handling: When ResponseCode returns "9999", the specific error must be located in combination with RespInfoCode
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