中国金融集成电路(IC)卡电子钱包/电子存折规范第二部分:应用规范中国金融集成电路(IC)卡标准修订工作组二零零四年九月目次1.范围.....................................................................................................42.参考资料..............................................................................................43.定义.....................................................................................................44.缩略语和符号表示..................................................................................65.电子存折/电子钱包应用..........................................................................75.1文件...............................................................................................75.1.1文件结构...................................................................................75.1.2专用文件...................................................................................75.1.3基本数据文件............................................................................75.1.4文件选择...................................................................................75.2命令...............................................................................................85.2.1概述.........................................................................................85.2.2CHANGEPIN命令....................................................................95.2.3CREDITFORLOAD命令.........................................................105.2.4DEBITFORPURCHASE/CASHWITHDRAW命令......................125.2.5DEBITFORUNLOAD命令.......................................................135.2.6GETBALANCE命令................................................................145.2.7GETTRANSACTIONPROVE命令............................................155.2.8INITIALIZEFORCASHWITHDRAW命令..................................165.2.9INITIALIZEFORLOAD命令.....................................................175.2.10INITIALIZEFORPURCHASE命令............................................195.2.11INITIALIZEFORUNLOAD命令................................................205.2.12INITIALIZEFORUPDATE命令.................................................215.2.13RELOADPIN命令...................................................................235.2.14UPDATEOVERDRAWLIMIT命令............................................245.3安全.............................................................................................255.3.1密钥管理概述..........................................................................255.3.2密钥管理.................................................................................255.4终端.............................................................................................265.4.1功能.......................................................................................265.5交易流程......................................................................................265.5.1交易预处理.............................................................................275.5.2圈存交易.................................................................................295.5.3圈提交易.................................................................................325.5.4消费交易.................................................................................365.5.5取现...