【正文】 中國金融集成電路（IC）卡借記/ 貸記應(yīng)用個人化指南中國金融集成電路（IC）卡標(biāo)準(zhǔn)修訂工作組二零零四年九月1 / 33目 次1 文檔概覽 .........................................................................................................................................2 目的 .........................................................................................................................................2 面向?qū)ο?.................................................................................................................................2 參考信息 .................................................................................................................................2 參考資料.........................................................................................................................2 符號約定.........................................................................................................................3 縮略語和符號表示 .................................................................................................................32 個人化過程概述 .............................................................................................................................63 初始化 .............................................................................................................................................84 數(shù)據(jù)準(zhǔn)備 .......................................................................................................................................11 創(chuàng)建個人化數(shù)據(jù) ...................................................................................................................11 發(fā)卡行主密鑰及其相關(guān)數(shù)據(jù).......................................................................................11 應(yīng)用密鑰和證書...........................................................................................................11 應(yīng)用數(shù)據(jù).......................................................................................................................11 記錄格式 ...............................................................................................................................12 結(jié)束個人化處理...........................................................................................................12 中國金融集成電路（IC）卡的數(shù)據(jù)分組 ...........................................................................125 中國金融集成電路（IC）卡借記貸記應(yīng)用需求 .......................................................................18 中國金融集成電路（IC）卡借記/貸記應(yīng)用必須滿足在通用個人化中規(guī)定的所有要求18 中國金融集成電路（IC）卡借記/貸記應(yīng)用必須滿足在中國金融集成電路（IC）卡借記貸記卡片規(guī)范中規(guī)定的所有要求 ........................................................................................................18 中國金融集成電路（IC）卡借記/貸記應(yīng)用必須將中國金融集成電路（IC）卡借記貸記卡片規(guī)范中強(qiáng)制規(guī)定的所有數(shù)據(jù)個人化 ............................................................................................186 安全規(guī)范 .......................................................................................................................................19 安全綜述 ...............................................................................................................................19 初始化安全 ...........................................................................................................................19 密鑰定義 ...............................................................................................................................20 個人化密鑰描述...........................................................................................................20 中國金融集成電路（IC）卡借記/貸記應(yīng)用密鑰描述 .............................................21 管理要求 ...............................................................................................................................22 環(huán)境...............................................................................................................................22 操作...............................................................................................................................25 管理規(guī)范.......................................................................................................................28 安全模塊 ...............................................................................................................................29 物理安全屬性...............................................................................................................30 邏輯安全屬性...............................................................................................................30 功能需求.......................................................................................................................30 安全模塊等級...............................................................................................................30 風(fēng)險審計 ...............................................................................................................................302 / 331 文檔概覽 目的EMV通用個人化規(guī)范（EMVCPS）提供了一個適用于任何智能卡應(yīng)用的通用個人化方案。它同時包含了兼容EMV標(biāo)準(zhǔn)的金融應(yīng)用，如中國金融集成電路（IC）卡借記/貸記應(yīng)用的個人化的具體需求。中國金融集成電路（IC）卡借記貸記應(yīng)用個人化指南描述了中國金融集成電路（IC）卡借記/貸記應(yīng)用特有的個人化指令，包括中國金融集成電路（IC）卡借記/ 貸記應(yīng)用特有的數(shù)據(jù)分組標(biāo)識（DGIs）的定義。 面向?qū)ο蟊疚臋n面向的對象是：1. 數(shù)據(jù)準(zhǔn)備系統(tǒng)輸入提供商和個人化中心? 為中國金融集成電路（IC）卡借記/貸記應(yīng)用定義數(shù)據(jù)準(zhǔn)備階段的要求2. 中國金融集成電路（IC）卡借記/貸記應(yīng)用的設(shè)計者? 為中國金融集成電路（IC）卡借記/貸記應(yīng)用規(guī)定默認(rèn)文件和記錄結(jié)構(gòu) 參考信息 參考資料1. EMV Card Personalization Specification – June 2022（可于EMVCo網(wǎng)站獲?。?/）2. EMV Issuer and Application Security Guidelines – July 20223. EMV 2022 支付系統(tǒng)集成電路卡規(guī)范，第 1冊 第4冊4. Common Personalization Technical Requirements for Visa Smart Deb