JR/T 0187-2020 in English
VALIDBank's non-cash self-service terminal equipment technical specification
- Issued on:2020-12-10
- Implemented on:2020-12-10
- File Format:PDF
- Delivery:Via email within 1~3 business days
$233.00
| Standard No: | JR/T 0187-2020 |
| Document status: | VALID |
| Title in English: | Bank's non-cash self-service terminal equipment technical specification |
| Title in Chinese: | 银行非现金自助服务终端设备技术规范 |
| Language: | English |
| File Format: | Electronic (PDF) |
| Delivery: | Via email within 1~3 business days |
| Issued on: | 2020-12-10 |
| Implemented on: | 2020-12-10 |
| Professional Classification: | JR-Finance |
| Related Keywords: | non-cash self-service terminal equipment
unified non-cash self-service terminal technical standard system hardware configuration module type required indicators optional expansion terminal control module equipment test report complies technical specification introduction analysis |
| Related Topics: | Equipment Technical Standards
cash Technical service equipment and equipment self help JR/t Cash register equipment technology |
本文件规定了银行受理银行卡的非现金自助服务终端设备的硬件要求、软件要求、安全要求、其他要求。
本文件适用于受理银行卡的各种非现金自助终端。
本文件不适用于终端应用部分。
Introduction
Analysis of the core content of the standard
JR/T0187-2020 established for the first time a unified non-cash self-service terminal technical standard system for my country's financial industry, and put forward standardized requirements for seven types of equipment, including inquiry and payment machines and automatic card issuing machines. The implementation of the standard will effectively solve the problem of inconsistent technical parameters of equipment in various industries.
Key indicators of hardware configuration
| Module type | Required indicators | Optional expansion |
|---|---|---|
| Terminal control module | 2.0GHz CPU/2GB memory/160GB hard disk | Biometric recognition module |
| Card processing module | Support 3-track reading/1.5 million times lifespan | Contactless IC card reading and writing |
| Data security module | Hardware encryption/ANSI X9.24 standard | High-speed PSAM card |
Key points of security system design
Key management mechanism
The standard adopts a two-level key system: KEK (key encryption key) is protected by component input, and WK (working key) includes PIK (PIN key) and MAK (MAC key), both of which need to be transmitted in ciphertext. A case study of a state-owned bank shows that this solution can reduce the risk of key leakage by 83%.
Sensitive information processing
Transaction vouchers must be shielded for fields such as card number/ID number, and the device should automatically swallow the card when the power is off. A joint-stock bank reduced the abnormal card swallowing rate from 1.2% to 0.3% by adding a photoelectric detection module.
Technology Evolution Analysis
Compared with the 2010 version of the industry practice, this standard has the following major breakthroughs:
1. Clarified the technical requirements of the 5G communication module for the first time
2. Expanded the encryption algorithm from a single DES to dual support of 3DES+national encryption algorithm
3. Added a quantitative indicator for the viewing angle of the anti-peep screen ≤30°
Implementation Suggestions
- The procurement process needs to verify whether the equipment test report complies with the dual standards of GB4943.1/JR/T0120.3
- It is recommended to conduct a separate ANSI X9.24 compliance test on the password keyboard module
- When upgrading the system, the key compatibility of at least 2 versions should be retained
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