万事达技术标准更新：加密机制与DE变化

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万事达技术标准，尤其是Mastercard在2018年4月10日发布的SingleMessageSystem Specifications更新，涵盖了报文结构、传输方式和加密机制的重要更改。这次更新主要关注了两个关键方面：数据元素定义（Data Element Definitions）和额外数据字段（Additional Data）。 1. **数据元素定义 (Data Element Definitions)**： - DE22中的变化：原有的"价值10"（Point of Service Entry Mode）的子字段1（POS Terminal PAN Entry Mode）描述被从“预留未来使用”更改为“文件上的凭据”。这表明Mastercard对终端设备处理数据的方式有了新的管理规定。 - 删除了DE48（Additional Data）中的子元素11（Key Exchange Data Block [Single-Length Keys]）及相关子字段，如Key Class ID、Key Index Number等，因为Mastercard不再支持单长度加密密钥，这意味着加密策略已经升级到更安全的模式。 2. **加密机制的调整**： - 在加密章节的PIN生成验证部分，IBM3624主题被移除，这是由于它与已弃用的单长度密钥相关。 - 新增了DE48（Additional Data）的子元素27（Transaction Analysis），其中包含测试结果的子字段2（Test Results）, 包括CRN（Controlled Risk Number）和WOC（Warning On Control）两个新值，这可能涉及到交易分析的安全性和合规性检查。 3. **报文布局与传输**： - 报文布局方面，此次更新并未提及任何更改，说明原有消息结构维持不变。 4. **版本与变更总结**： - 这份文档反映了18.Q1和18.Q2两个版本的合并变化，意味着它整合了近期的多项改进和安全增强措施。 Mastercard的技术标准更新旨在提升系统的安全性、合规性和性能，通过移除过时的加密方法，增加新的测试指标，并保持报文结构的稳定性。对于所有与Mastercard系统集成或采用其服务的开发者和商户来说，理解并遵循这些更改至关重要，以确保数据传输的准确性和安全性。

Subfield 4–Rule Reason Code 1.............................................................................491

Subfield 5–Rule Reason Code 2.............................................................................492

Subelement 76—Mastercard Electronic Transaction Indicator..................................... 493

Subfield 1–Mastercard Electronic Program Participation Level................................ 493

Subelement 77—Funding/Payment Transaction Type Indicator................................... 494

Subelement 79—Chip CVR/TVR Bit Error Results Listing.............................................496

Subfield 1–CVR or TVR Identifier........................................................................... 497

Subfield 2–Byte ID.................................................................................................497

Subfield 3–Bit Identifier.........................................................................................498

Subfield 4–Value of Bit in Error..............................................................................498

Subelement 80—PIN Service Code.............................................................................499

Subelement 81—Maestro PIN-less Program Indicator.................................................499

Subelement 82—Address Verification Service Request............................................... 500

Subfield 1–AVS Option Code................................................................................ 501

Subelement 83—Address Verification Service Response............................................. 502

Subfield 1–AVS Result Code..................................................................................502

Subelement 84—Merchant Advice Code................................................................... 503

Subfield 1–Merchant Advice Code........................................................................ 504

Subelement 87—Card Validation Code Result............................................................504

Subfield 1–Code Values........................................................................................ 505

Subelement 88—Magnetic Stripe Compliance Status Indicator.................................. 506

Subfield 1–Monitoring Status................................................................................506

Subelement 89—Magnetic Stripe Compliance Error Indicator.................................... 506

Subfield 1–Data/Code Indicators........................................................................... 507

Subelement 90—Lodging and Auto Rental Indicator..................................................508

Subfield 1–Enrolled Program................................................................................. 508

Subelement 92—CVC 2 Value................................................................................... 508

Subfield 1–CVC 2 Value........................................................................................ 509

Subelement 93—Airline Ticket Number..................................................................... 509

Subfield 1–Ticket Number.....................................................................................510

Subelement 94—Program Participation Indicator....................................................... 510

Subfield 1–CVC 2 Validation Program Indicator.....................................................511

Subfield 2–QPS/Contactless Chargeback Eligibilty..................................................511

Subfields 3–20—Reserved for Future Use.............................................................. 512

Subelement 95—Mastercard Promotion Code........................................................... 512

Subfield 1—Surcharge-Free Alliance......................................................................513

Subelement 98—Mastercard Corporate Fleet Card ID/Driver Number.........................513

Subfield 1—ID/Driver Number............................................................................... 514

Subelement 99—Mastercard Corporate Fleet Card Vehicle Number........................... 514

Subfield 1–Vehicle Number................................................................................... 514

DE 49—Currency Code, Transaction...............................................................................515

DE 50—Currency Code, Settlement............................................................................... 517

DE 51—Currency Code, Cardholder Billing.....................................................................519

Contents

Single Message System Specifications • 10 April 2018

DE 52—Personal Identification Number (PIN) Data..........................................................520

DE 53—Security Related Control Information................................................................. 522

DE 54—Additional Amounts.......................................................................................... 522

Subfield 1–Account Type........................................................................................... 528

Subfield 2–Amount Type............................................................................................529

Subfield 3–Currency Code......................................................................................... 530

Subfield 4–Debit or Credit Indicator...........................................................................530

Subfield 5–Amount................................................................................................... 531

DE 55—Integrated Circuit Card (ICC) System-Related Data.............................................531

DE 56—Payment Account Data......................................................................................537

Subelement 01—Payment Account Data................................................................... 538

Subfield 01—Payment Account Reference (PAR)....................................................538

DE 57—Reserved for National Use..................................................................................539

DE 58—Authorizing Agent Institution ID........................................................................540

DE 59—Reserved for National Use..................................................................................541

DE 60—Advice Reason Code..........................................................................................542

Subfield 1–Advice Reason Code.................................................................................543

Subfield 2–Advice Reason Detail Code.......................................................................544

Subfield 3–Advice Reason Detail Text......................................................................... 545

Subfield 4—Advice Reason Additional Text................................................................ 548

Message Type 0220—Financial Transaction Advice.....................................................549

Message Type 0220—Debit Mastercard Stand-In-Financial Transaction Advice............557

Message Type 0220—Non-Financial Transaction Advice............................................. 561

Message Type 0420—Acquirer Reversal Advice..........................................................561

Message Type 0422—Issuer Reversal Advice.............................................................. 571

Message Type 0620—Administrative Advice.............................................................. 576

Message Type 0644—Administrative Advice.............................................................. 577

DE 61—Point of Service (POS) Data................................................................................ 578

Subfield 1–POS Terminal Attendance......................................................................... 579

Subfield 2–Reserved for Future Use............................................................................580

Subfield 3–POS Terminal Location.............................................................................. 580

Subfield 4–POS Cardholder Presence......................................................................... 581

Subfield 5–POS Card Presence................................................................................... 582

Subfield 6–POS Card Retention..................................................................................582

Subfield 7–POS Transaction Status............................................................................. 583

Subfield 8–POS Transaction Security...........................................................................584

Subfield 9—Reserved for Future Use..........................................................................584

Subfield 10–Cardholder-Activated Terminal Level....................................................... 585

Subfield 11–POS Card Data Terminal Input Capability................................................ 586

Subfield 12–POS Authorization Life Cycle.................................................................. 587

Subfield 13–POS Country Code (or Sub-Merchant Information, if applicable).............588

Subfield 14–POS Postal Code (or Sub-Merchant Information, if applicable)................ 588

DE 62—Intermediate Network Facility (INF) Data............................................................ 588

Contents

Single Message System Specifications • 10 April 2018

DE 63—Network Data....................................................................................................591

Subfield 1–Financial Network Code........................................................................... 594

Subfield 2–Interchange Rate Indicator........................................................................594

Subfield 3–Network Reference Number..................................................................... 595

Subfield 4–Banknet Reference Number......................................................................596

Subfield 5–Acquirer’s Reference Number....................................................................596

Subfield 6–GCMS Processing Date and Cycle Number................................................597

DE 64—Message Authentication Code (MAC)................................................................597

DE 65—Bit Map, Extended.............................................................................................598

DE 66—Settlement Code............................................................................................... 599

DE 67—Extended Payment Code................................................................................... 599

DE 68—Receiving Institution Country Code....................................................................600

DE 69—Settlement Institution Country Code................................................................. 600

DE 70—Network Management Information Code.......................................................... 601

DE 71—Message Number.............................................................................................. 602

DE 72—Message Number Last....................................................................................... 603

DE 73—Date, Action......................................................................................................603

DE 74—Credits, Number................................................................................................604

DE 75—Credits, Reversal Number.................................................................................. 605

DE 76—Debits, Number.................................................................................................605

DE 77—Debits, Reversal Number....................................................................................606

DE 78—Transfers, Number............................................................................................. 606

DE 79—Transfers, Reversal Number................................................................................607

DE 80—Inquiries, Number..............................................................................................607

DE 81—Authorizations, Number.................................................................................... 608

DE 82—Credits, Processing Fee Amount.........................................................................608

DE 83—Credits, Transaction Fee Amount....................................................................... 609

DE 84—Debits, Processing Fee Amount..........................................................................609

DE 85—Debits, Transaction Fee Amount........................................................................ 610

DE 86—Credits, Amount................................................................................................610

DE 87—Credits, Reversal Amount.................................................................................. 611

DE 88—Debits, Amount.................................................................................................611

DE 89—Debits, Reversal Amount................................................................................... 612

DE 90—Original Data Elements......................................................................................612

Subfield 1–Message Type Identifier............................................................................ 614

Subfield 2–System Trace Audit Number......................................................................614

Subfield 3–Transmission Date and Time..................................................................... 615

Subfield 4–Acquiring Institution ID Code................................................................... 615

Subfield 5–Forwarding Institution ID Code.................................................................615

DE 91—File Update Code...............................................................................................616

DE 92—File Security Code..............................................................................................618

DE 93—Response Indicator............................................................................................ 618

DE 94—Service Indicator................................................................................................619

Contents

Single Message System Specifications • 10 April 2018

DE 95—Replacement Amounts...................................................................................... 619

Subfield 1–Actual Amount, Transaction..................................................................... 622

Subfield 2–Actual Amount, Settlement...................................................................... 622

Subfield 3–Actual Amount, Cardholder Billing........................................................... 623

Subfield 4–Zero-filled.................................................................................................623

DE 96—Message Security Code..................................................................................... 624

DE 97—Amount, Net Settlement................................................................................... 625

DE 98—Payee................................................................................................................ 625

DE 99—Settlement Institution Identification Code..........................................................626

DE 100—Receiving Institution Identification Code.......................................................... 626

DE 101—File Name........................................................................................................628

DE 102—Account Identification-1..................................................................................630

DE 103—Account Identification–2................................................................................. 632

DE 104—Transaction Description....................................................................................633

DE 105—Enhanced Identification Data...........................................................................633

Subelement 1—AUA Code........................................................................................ 635

Subelement 2—Sub-AUA Code................................................................................. 636

Subelement 3—Terminal Device ID............................................................................ 636

Subelement 4—Version............................................................................................. 637

Subelement 5—Transaction Identifier.........................................................................638

Subelement 6—Unique Device Code......................................................................... 638

Subelement 7—Fingerprint Device Code....................................................................639

Subelement 8—Reserved for future use.....................................................................639

Subelement 9—Certificate Identifier.......................................................................... 640

Subelement 10—PID Block Type................................................................................ 641

Subelement 11—Primary Biometric Type....................................................................641

Subelement 12—Product Code..................................................................................642

Subelement 13—Return Value...................................................................................643

Subelement 14—Authenticator Code........................................................................ 644

Subelement 15—Time Stamp.................................................................................... 645

Subelement 16—Meta Information........................................................................... 645

Subelement 17—Error Code......................................................................................646

Subelement 18—Internal Mastercard Use.................................................................. 647

Subelement 71—Internal Mastercard Use.................................................................. 647

DE 106—Private Data.....................................................................................................648

Subelement 1—Private Biometric Data.......................................................................649

DE 107—India On-Soil Data........................................................................................... 650

Subelement 1—Accountholder UID Number..............................................................650

Subelement 2—License Key.......................................................................................651

Subelement 3—Public IP Address...............................................................................652

Subelement 4—Key Identifier.................................................................................... 652

Subelement 5—HMAC Value.....................................................................................653

Subelement 6—Encryption Key..................................................................................653

Contents

Single Message System Specifications • 10 April 2018

Subelement 7—Location Type....................................................................................654

Subelement 8—Location Value.................................................................................. 655

DE 108—MoneySend Reference Data............................................................................ 655

Subelement 01—Receiver/Recipient Data...................................................................657

Subfield 01—Receiver/Recipient First Name...........................................................659

Subfield 02—Receiver/Recipient Middle Name...................................................... 659

Subfield 03—Receiver/Recipient Last Name........................................................... 660

Subfield 04—Receiver/Recipient Street Address.....................................................661

Subfield 05—Receiver/Recipient City..................................................................... 661

Subfield 06—Receiver/Recipient State/Province Code............................................ 662

Subfield 07—Receiver/Recipient Country...............................................................662

Subfield 08—Receiver/Recipient Postal Code.........................................................663

Subfield 09—Receiver/Recipient Phone Number.................................................... 664

Subfield 10—Receiver/Recipient Date of Birth....................................................... 664

Subfield 11—Receiver/Recipient Account Number.................................................665

Subfield 12—Receiver/Recipient Identification Type............................................... 665

Subfield 13—Receiver/Recipient Identification Number..........................................666

Subfield 14—Receiver/Recipient Identification Country Code................................ 667

Subfield 15—Receiver/Recipient Identification Expiration Date...............................667

Subfield 16—Receiver/Recipient Nationality...........................................................668

Subfield 17—Receiver/Recipient Country of Birth.................................................. 668

Subelement 02—Sender Data....................................................................................669

Subfield 01—Sender First Name............................................................................670

Subfield 02—Sender Middle Name....................................................................... 671

Subfield 03—Sender Last Name............................................................................ 672

Subfield 04—Sender Street Address......................................................................673

Subfield 05—Sender City...................................................................................... 673

Subfield 06—Sender State/Province Code............................................................. 674

Subfield 07—Sender Country................................................................................674

Subfield 08—Postal Code..................................................................................... 675

Subfield 09—Sender Phone Number..................................................................... 675

Subfield 10—Sender Date of Birth........................................................................ 676

Subfield 11—Sender Account Number..................................................................676

Subfield 12—Sender Identification Type................................................................ 677

Subfield 13—Sender Identification Number...........................................................678

Subfield 14—Sender Identification Country Code................................................. 678

Subfield 15—Sender Identification Expiration Date................................................679

Subfield 16—Sender Nationality............................................................................679

Subfield 17—Sender Country of Birth................................................................... 680

Subelement 03—MoneySend Transaction Data..........................................................680

Subfield 01—Unique Transaction Reference.......................................................... 681

Subfield 02—Additional Message......................................................................... 682

Subfield 03—Funding Source................................................................................682

Contents

Single Message System Specifications • 10 April 2018

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