【正文】 中國金融集成電路（IC）卡借記/貸記規(guī)范第三部分：應用規(guī)范PBOC 借記/貸記規(guī)范咨詢小組二零零三年八月目 次ii / 651. 引言 ........................................................................................................................................................................12. 范圍 ........................................................................................................................................................................13. 參考資料 ................................................................................................................................................................14. 定義 ........................................................................................................................................................................15. 縮略語和符號表示 ................................................................................................................................................26. 文件、數據元、數據對象列表 ............................................................................................................................3 文件結構 .......................................................................................................................................................3 應用數據文件(ADF) ................................................................................................................................4 應用基本文件（AEF） ...........................................................................................................................4 文件到 ISO/IEC 78164 的文件結構的映射 ..........................................................................................4 目錄結構 ..................................................................................................................................................4 文件引用 ..................................................................................................................................................5 數據元 ...........................................................................................................................................................5 數據對象列表（DOL） ...............................................................................................................................57. 借記/貸記交易處理流程 .......................................................................................................................................6 功能概述 .......................................................................................................................................................6 應用選擇（M） .......................................................................................................................................6 應用初始化（M） ...................................................................................................................................6 讀應用數據（M） ...................................................................................................................................6 脫機數據認證（O） ................................................................................................................................7 處理限制（M） .......................................................................................................................................7 持卡人驗證（M） ...................................................................................................................................7 終端風險管理（M） ...............................................................................................................................7 終端行為分析（M） ...............................................................................................................................7 卡片行為分析（M） ...............................................................................................................................8 聯(lián)機處理（O） ...................................................................................................................................8 發(fā)卡行腳本處理（O ） .......................................................................................................................8 完成（M） ..........................................................................................................................................8 交易步驟 .....................................................................................................................................................10 應用選擇 ................................................................................................................................................10 應用初始化 ............................................................................................................................................13 讀應用數據 ............................................................................................................................................16 脫機數據認證 ........................................................................................................................................19 處理限制 ................................................................................................................................................26 持卡人驗證 ............................................................................................................................................29 終端風險管理 ........................................................................................................................................36 終端行為分析 ........................................................................................................................................41 卡片行為分析 ........................................................................................................................................45 聯(lián)機處理 ............................................................................................................................................48 發(fā)卡行腳本處理 ..................................