Standard number: JR/T 0052-2020
Standard name: Bank card specification
English name: Bank card specification
Standard format: PDF
Release time: 2020-03-10
Implementation time: 2020-03-10
Standard size: 792K
Standard introduction: This standard specifies the card shape and size, card design elements, card media, card physical characteristics, card character printing and card security requirements of bank cards.
This standard applies to all ID-1 bank cards issued in the People's Republic of China.
This standard was drafted in accordance with the rules given in GB/T1.1-2009. ||
tt||This standard replaces JR/T0052-2009 "Bank Card Specification". Compared with JRT0052-2009, the main technical changes are as follows, except for editorial changes:
Deleted "identification card" in terms and definitions (see 3.2 of the 2009 edition). Modified the English name of "magnetic stripe" in terms and definitions (see 3.3, 3.4 of the 2009 edition).
Modified the definition of "card verification code 2" in terms and definitions (see 3.11, 3.12 of the 2009 edition).
Added "card shape and size" (see Chapter 4, 5.1 of the 2009 edition).
Added "any unauthorized pictures that may involve personal privacy disclosure" (see 5.1, 4.1 of the 2009 edition).
Modified the card design elements, and merged the card front and back design elements into the necessary card design elements (see 5.2, 4.2 and 4.3 of the 2009 edition).
Modified the overview of "chip medium" in the card medium (see 6.3.1, 6.2 of the 2009 edition);
Modified the requirements for "contact type" in the card medium (see 6.3.2, 6.2.1 of the 2009 edition); Modified the card
security requirements, and divided them into anti-counterfeiting elements and security elements (see 9, 8 of the 2009 edition). ||
tt||Modified the requirements for "fluorescent anti-counterfeiting marks" in the anti-counterfeiting elements (see 9.2.1, 8.3 of the 2009 edition).
Added the anti-counterfeiting function of the signature strip (see 9.2.3, 8.5 of the 2009 edition)
The requirements for "Card Verification Code" in the security elements have been modified (see 9.3.1, 8.1 of the 2009 edition);
The requirements for "Chip" in the security elements have been modified (see 9.3.3, 8.6 of the 2009 edition)
This standard specifies the card shape and size, card design elements, card media, card physical characteristics, card character printing and card security requirements of bank cards. This standard applies to all ID-1 bank cards issued within the territory of the People's Republic of China. This standard was
drafted in accordance with the rules given in GB/T 1.1-2009.
This standard replaces JR/T 0052-2009 "Bank Card Specifications". Compared with JR/T 0052-2009, the main technical changes are as follows, except for editorial changes:
——Deleted "identification card" in terms and definitions (see 3.2 of the 2009 edition);
——Modified the English name of "magnetic stripe" in terms and definitions (see 3.3, 3.4 of the 2009 edition);
——Modified the definition of "card verification code 2" in terms and definitions (see 3.11, 3.12 of the 2009 edition);
——Added "card appearance and size" (see Chapter 4, 5.1 of the 2009 edition);
——Added "any unauthorized pictures that may involve personal privacy disclosure" (see 5.1, 4.1 of the 2009 edition);
——Modified the card design elements, and merged the card front and back design elements into the necessary card design elements (see 5.2, 4.2 and 4.3 of the 2009 edition);
——Modified the overview of “chip media” in card media (see 6.3.1, 6.2 of the 2009 edition);
——Modified the requirements for “contact” in card media (see 6.3.2, 6.2.1 of the 2009 edition);
——Modified the card security requirements, dividing them into anti-counterfeiting elements and security elements (see 9, 8 of the 2009 edition);
——Modified the requirements for “fluorescent anti-counterfeiting mark” in anti-counterfeiting elements (see 9.2.1, 8.3 of the 2009 edition);
——Added the anti-counterfeiting function of the signature strip (see 9.2.3, 8.5 of the 2009 edition);
——Modified the requirements for “card verification code” in security elements (see 9.3.1, 8.1 of the 2009 edition);
——The requirements for "chip" in the security elements have been modified (see 9.3.3, 8.6 of the 2009 edition).
This standard is proposed by the People's Bank of China.
This standard is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC 180).
The drafting units of this standard: Technology Department of the People's Bank of China, China Financial Electronicization Company, China UnionPay Co., Ltd., Beijing UnionPay Gold Card Technology Co., Ltd., Industrial and Commercial Bank of China Co., Ltd., Agricultural Bank of China Co., Ltd., Bank of China Co., Ltd., China Construction Bank Co., Ltd., China Merchants Bank Co., Ltd., China Minsheng Banking Corporation Co., Ltd., China Everbright Bank Co., Ltd., Bank of Beijing Co., Ltd., China Banking Credit Card Industry Development Co., Ltd., Beijing Zhongjin Guosheng Certification Co., Ltd., China Payment and Clearing Association, Jide (China) Information Technology Co., Ltd., Eastcompeace Technology Co., Ltd.
The main drafters of this standard are Li Wei, Li Xingfeng, Zhang Wenjun, Song Hanshi, Qu Shaoguang, Guo Dong, Duan Lihong, Ma Xiaoqiong, Tao Ranzhi, Yu Qin, Cui Peng, Liu Jiayao, Zhang Shuo, Wang Dong, Ye Xu, Wang Laimeng, Wang Fei, Deng Linying, Zheng Chao, Yan Xinlun, Tan Li, Shen Pengyang, Zhao Siyuan, Jia Jing, Hou Xiaochen, Xiangqian, Chen Xudong, Shen Guosong, Tang Zhongze, Zhang Hongyan, Li Qingchuan, Zhang Haochen. The
previous versions of JR/T 0052—2020 are as follows:
——JR/T 0052—2009.
The following documents are indispensable for the application of this document. For any dated referenced document, only the dated version applies to this document. For any undated referenced document, the latest version (including all amendments) applies to this document.
GB/T 14916 Physical characteristics of identification cards
GB/T 15120.1 Identification card recording technology Part 1: Embossing
GB/T 15120.6 Identification card recording technology Part 6: Magnetic stripe - high coercivity
GB/T 19584 Bank card magnetic stripe information format and use specification
JR/T 0025 (all parts) China Financial Integrated Circuit (IC) Card Specification

ICS03.060
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Financial Industry Standard of the People's Republic of China
JR/T0052—2020
Replaces JR/T0052—2009
Bank card specification
Bank card specification
2020-3-10 release
People's Bank of China
2020-3-10 implementation
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Normative reference documents
Terms and definitions
Card shape and size
5 Card surface design elements
6 Card medium.
Card physical characteristics,
Card surface character printing,
Card security requirements
References
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JR/T00522020
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This standard was drafted in accordance with the rules given in GB/T1.1-2009. This standard replaces JR/T0052—2009 "Bank Card Specification". Compared with JR/T0052—2009, the main technical changes are as follows, except for editorial changes:
- The "identification card" in the terms and definitions is deleted (see 3.2 of the 2009 edition): - The English name of "magnetic stripe" in the terms and definitions is modified (see 3.3, 3.4 of the 2009 edition): - Modified the definition of "Card Verification Code 2" in the Terms and Definitions (see 3.11, 3.12 of the 2009 Edition); - Added "Card Appearance and Size" (see Chapter 4, 5.1 of the 2009 Edition); - Added "Any unauthorized image that may involve personal privacy disclosure" (see 5.1, 4.1 of the 2009 Edition); - Modified the card design elements, merging the card front and back design elements into the necessary card design elements (see 5.2, 4.2 and 4.3 of the 2009 Edition);
Modified the overview of "chip medium" in the card medium (see 6.3.1, 6.2 of the 2009 Edition); - Modified The requirements for "contact" in the card medium (see 6.3.2, 6.2.1 of the 2009 edition): - Modified the card security requirements, dividing them into anti-counterfeiting elements and security elements (see 9, 8 of the 2009 edition); - Modified the requirements for "fluorescent anti-counterfeiting marks" in the anti-counterfeiting elements (see 9.2.1, 8.3 of the 2009 edition): Added the anti-counterfeiting function of the signature strip (see 9.2.3, 8.5 of the 2009 edition); Modified the requirements for "card verification code" in the security elements (see 9.3.1, 8.1 of the 2009 edition); Modified the requirements for "chip" in the security elements (see 9.3.3, 8.6 of the 2009 edition). This standard is proposed by the People's Bank of China.
This standard is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC180). The drafting units of this standard are: Science and Technology Department of the People's Bank of China, China Financial Electronicization Company, China UnionPay Co., Ltd., Beijing UnionPay Gold Card Technology Co., Ltd., Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, China Merchants Bank, China Minsheng Bank, China Everbright Bank, Bank of Beijing, China Bank Credit Card Industry Development Co., Ltd., Beijing Zhongjin Guosheng Certification Co., Ltd., China Payment and Clearing Association, Jide (China) Information Technology Co., Ltd., Eastcompeace Technology Co., Ltd. The main drafters of this standard are: Li Wei, Li Xingfeng, Zhang Wenjun, Song Hanshi, Qu Shaoguang, Guo Dong, Duan Liyan, Ma Xiaoqiong, Tao Ranzhi, Yu Qin, Cui Peng, Liu Jiayao, Zhang Shuo, Wang Dong, Ye Xiang, Wang Laimeng, Wang Fei, Deng Linying, Zheng Chao, Yan Xinlun, Tan Li, Shen Pengyang, Zhao Siyuan, Jia Jing, Hou Xiaochen, Xiang Qian, Chen Xudong, Shen Guosong, Tang Zhongze, Zhang Hongyan, Li Qingchuan, Zhang Haochen. The previous versions of JR/T0052—2020 are:—JR/T0052—2009.
1 Scope
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Bank card specifications
JR/T0052—2020
This standard specifies the card shape and size, card design elements, card media, card physical characteristics, card character printing and card security requirements of bank cards.
This standard applies to all ID-1 bank cards issued in the People's Republic of China. 2 Normative references
The following documents are indispensable for the application of this document. For all dated references, only the dated version applies to this document. For all undated references, the latest version (including all amendments) applies to this document. GB/T14916 Identification card physical characteristics
GB/T15120.1 Identification card recording technology Part 1: EmbossingGB/T15120.6 Identification card recording technology Part 6: Magnetic stripe - high coercivityGB/T19584 Bank card magnetic stripe information format and usage specificationJR/T0025 (all parts) China Financial Integrated Circuit (IC) Card Specification Terms and Definitions
The following terms and definitions apply to this document. 3.1
ID-1 cardID-1card
Identification card with nominal dimensions: width 85.60mm, height 53.98mm, thickness 0.76mm, chamfer radius 3.18mm. 3.2
Bank cardbank card
A payment tool issued to the public by commercial banks and other financial institutions, with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Magnetic stripe
A strip containing magnetically encoded information.
integratedcircuit;Ic
Integrated circuit
An electronic device used to perform processing and (or) storage functions. 1
JR/T0052—2020
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Integrated circuit card
integrated circuit card;Icc
A card that contains one or more integrated circuits for processing and storage functions. 3.6
cardnumber
A number used to identify the issuing institution and the card, consisting of the issuing institution identification code, the issuing institution's custom digit, and the check digit. Note: The card number is equivalent to the card number defined in JR/T0008 and the primary account number defined in GB/T19584. 3.7
Jembossing
Making characters prominently protrude from the front of the card. 3.8
Signature strip
signaturepanel
Specific area on the card used for signature
warpage
Deviation from the plane.
Card verification number
cardverified number;CVN
Code for verifying the legitimacy of the magnetic stripe information. 3.11
2cardverifiednumber2;CVN2
Card verification code 2
Code for verifying the legitimacy of the bank card. 4Card shape and size
The shape of the standard bank card is rectangular. The shape and size are shown in Figure 1 and Table 1 respectively. The burrs on the edge of the card should comply with the provisions of GB/T14916. 2
Note:
Card width.
Card height.
T——Card thickness.
R——Chamfer radius.
Card width
Card height
Card thickness
Chamfer radius
Card surface design elements
5.1Overview
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Standard size
Appearance of bank card
Dimensions of bank card
Maximum size
JR/T0052—2020
Unit: mm
Minimum size
Design elements of the card surface are divided into necessary design elements of the card surface and other design elements. When designing card patterns, card issuers should not include any of the following content:
Images of sexual, violent themes and other themes that can be identified as "socially unacceptable". -Images of political themes (except for joint or recognized cooperative institutions that are political organizations). Images of racial discrimination and religious discrimination. Images that infringe intellectual property rights.
-Images with advertising, promotion and solicitation. -Images that may cause confusion among merchants in accepting cards. Images that may cause bank card fraud.
Images that may cause adverse effects on brand trademarks and services, or contain hostile or sarcastic meanings. Unauthorized images that may involve the disclosure of personal privacy. 3
JR/T0052—2020
5.2 Necessary design elements of the card surface
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Necessary design elements of the card surface should include the card organization logo, the name and (or) logo of the issuing institution, the card number, the validity (expiration) period, and the card type. For integrated circuit cards with contact functions, contacts should also be included. Note: Card types include debit cards, credit cards, quasi-credit cards, etc. 5.3 Other design elements
For credit cards and quasi-credit cards, the cardholder's name, CVN2, signature strip, and holographic anti-counterfeiting mark should be included. Other design elements of the card surface should include fluorescent anti-counterfeiting marks and the first 4 digits of the pre-printed card number. 6 Card media
6.1 Overview
Card media are divided into magnetic stripe media and chip media. 6.2 Magnetic stripe media
6.2.1 Coding technology and specifications
The coding technology and specifications of magnetic materials shall comply with the provisions of GB/T15120.6. 6.2.2 Coding specifications of tracks and the positions of tracks The coding specifications of the 1st, 2nd and 3rd tracks and the positions of magnetic materials in each track shall comply with the provisions of GB/T15120.6. 6.2.3 Magnetic stripe information format
The magnetic stripe information format shall comply with the provisions of GB/T19584. 6.2.4 Error detection technology
The error detection technology of magnetic stripe data encoding includes parity check and longitudinal redundancy check, and the specific content shall comply with the provisions of GB/T15120.6.
6.3 Chip media
6.3.1 Overview
Chip media are divided into contact and contactless types according to the communication method. 6.3.2 Contact type
The relevant requirements of contact type shall comply with the provisions of JR/T0025.3. 6.3.3 Contactless type
The relevant requirements of contactless type shall comply with the provisions of JR/T0025.8. 6.3.4 Chip card data elements
Card data elements shall comply with the provisions of JR/T0025, 4
7 Card physical characteristics
7.1 Card structure
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JR/T0052—2020
The card can be made of integral materials, laminated materials or glued materials, and its structure shall comply with the provisions of GB/T14916. 7.2 Card materials and characteristics
7.2.1 Card materials
Card materials should specifically comply with the provisions of GB/T14916. 7.2.2 General characteristics
General characteristics of card materials, except for peel strength, should comply with the provisions of GB/T14916: Peel strength refers to the layers of materials that constitute the card structure should be bonded together, and each layer should have a minimum peel strength of 4.5N/cm. 7.2.3 Physical and performance characteristics of magnetic stripes The physical and performance characteristics of magnetic stripes should comply with the provisions of GB/T15120.6. 7.2.4 Physical and performance characteristics of chips The physical and performance characteristics of chips should comply with the provisions of JR/T0025. 8 Card surface character printing
8.1 Embossed
Embossed content
Embossed content should include:
Card number.
-Card validity (expiration) date.
---Cardholder's name, etc.
8.1.2 Embossed characters and general requirements
The visually or machine-readable character set and font, character spacing, character height, and undulating height of embossed characters in embossed characters shall comply with the provisions of GB/T15120.1.
8.1.3 Position of embossed characters
The content designated for embossed area on the card surface includes card number, card validity (expiration) date, cardholder's name, etc., which shall specifically comply with the provisions of GB/T15120.1.
8.2 Non-embossed (intaglio, flat)
Except for the embossed content included in 8.1.1, the card surface information may be printed in a non-embossed (intaglio, flat) manner. The non-embossed (intaglio, flat) elements on the card surface shall be printed in a contrasting color to the card base color. 9 Card security requirements
JR/T0052—2020
9.1 Overview
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Card security should include anti-counterfeiting elements and security elements. 9.2
Anti-counterfeiting elements
Fluorescent anti-counterfeiting mark
On the front or back of credit cards and quasi-credit cards, it is advisable to print a fluorescent anti-counterfeiting mark. Holographic anti-counterfeiting mark
Credit cards and quasi-credit cards should use a holographic anti-counterfeiting mark. 9.2.3 Signature strip
The signature strip appears on the back of the bank card and is a place reserved for the cardholder to sign. The signature strip should have a security background text pattern and an anti-alteration function. The signature strip of credit cards and quasi-credit cards should have a fluorescent anti-counterfeiting pattern. 9.3 Security elements
9.3.1 Card Verification Number
The Card Verification Number (CVN) algorithm complies with the provisions of GB/T19584. 9.3.2 Card Verification Number 2
The Card Verification Number 2 (CVN2) algorithm is the same as the CVN algorithm, but the CVN calculation factors are the primary account number, expiration date and service code, and the CVN2 calculation factors are the primary account number, expiration date and a constant customized by the issuing bank. CVN2 is a 3-digit number printed on the back of the card. 9.3.3 Chip-related security content
Chip-related security content complies with the provisions of JR/T00256
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References
[1]】JR/T0008-2000 Bank card issuing bank identification code and card number JR/T0052—20203 Contactless
The relevant requirements for contactless shall comply with the provisions of JR/T0025.8. 6.3.4 Chip card card data elements
Card data elements shall comply with the provisions of JR/T0025, 4
7 Card physical characteristics
7.1 Card structure
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JR/T0052—2020
The card can be made of integral materials, laminated materials or glued materials, and its structure shall comply with the provisions of GB/T14916. 7.2 Card materials and characteristics
7.2.1 Card materials
The specific card materials shall comply with the provisions of GB/T14916. 7.2.2 General characteristics
General characteristics of card materials, except for peel strength, shall comply with the provisions of GB/T14916: Peel strength refers to the fact that the various layers of materials constituting the card structure should be bonded together, and each layer should have a minimum peel strength of 4.5N/cm. 7.2.3 Physical and performance characteristics of magnetic stripe The physical and performance characteristics of magnetic stripe shall comply with the provisions of GB/T15120.6. 7.2.4 Physical and performance characteristics of chip The physical and performance characteristics of chip shall comply with the provisions of JR/T0025. 8 Character printing on card surface
8.1 Embossed
Embossed content
Embossed content should include:
Card number.
-Card validity (expiration) date.
-Cardholder's name, etc.
8.1.2 Embossed characters and general requirements
The visually or machine-readable character set and font, character spacing, character height, and undulating height of embossed characters in embossed characters shall comply with the provisions of GB/T15120.1.
8.1.3 Position of embossed characters
The content designated for embossed areas on the card surface includes the card number, card validity (expiration) date, cardholder name, etc., which shall specifically comply with the provisions of GB/T15120.1.
8.2 Non-embossed (intaglio, flat)
In addition to the embossed content included in 8.1.1, the card surface information may be printed in a non-embossed (intaglio, flat) manner. Non-embossed (intaglio, flat) elements on the card surface shall be printed in a contrasting color to the card base color. 9 Card security requirements
JR/T0052—2020
9.1 Overview
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Card security should include anti-counterfeiting elements and security elements. 9.2
Anti-counterfeiting elements
Fluorescent anti-counterfeiting mark
On the front or back of credit cards and quasi-credit cards, it is advisable to print a fluorescent anti-counterfeiting mark. Holographic anti-counterfeiting mark
Credit cards and quasi-credit cards should use a holographic anti-counterfeiting mark. 9.2.3 Signature strip
The signature strip appears on the back of the bank card and is a place reserved for the cardholder to sign. The signature strip should have a security background text pattern and an anti-alteration function. The signature strip of credit cards and quasi-credit cards should have a fluorescent anti-counterfeiting pattern. 9.3 Security elements
9.3.1 Card Verification Number
The Card Verification Number (CVN) algorithm complies with the provisions of GB/T19584. 9.3.2 Card Verification Number 2
The Card Verification Number 2 (CVN2) algorithm is the same as the CVN algorithm, but the CVN calculation factors are the primary account number, expiration date and service code, and the CVN2 calculation factors are the primary account number, expiration date and a constant customized by the issuing bank. CVN2 is a 3-digit number printed on the back of the card. 9.3.3 Chip-related security content
Chip-related security content complies with the provisions of JR/T00256
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References
[1]】JR/T0008-2000 Bank card issuing bank identification code and card number JR/T0052—20203 Contactless
The relevant requirements for contactless shall comply with the provisions of JR/T0025.8. 6.3.4 Chip card card data elements
Card data elements shall comply with the provisions of JR/T0025, 4
7 Card physical characteristics
7.1 Card structure
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JR/T0052—2020
The card can be made of integral materials, laminated materials or glued materials, and its structure shall comply with the provisions of GB/T14916. 7.2 Card materials and characteristics
7.2.1 Card materials
The specific card materials shall comply with the provisions of GB/T14916. 7.2.2 General characteristics
General characteristics of card materials, except for peel strength, shall comply with the provisions of GB/T14916: Peel strength refers to the fact that the various layers of materials constituting the card structure should be bonded together, and each layer should have a minimum peel strength of 4.5N/cm. 7.2.3 Physical and performance characteristics of magnetic stripe The physical and performance characteristics of magnetic stripe shall comply with the provisions of GB/T15120.6. 7.2.4 Physical and performance characteristics of chip The physical and performance characteristics of chip shall comply with the provisions of JR/T0025. 8 Character printing on card surface
8.1 Embossed
Embossed content
Embossed content should include:
Card number.
-Card validity (expiration) date.
-Cardholder's name, etc.
8.1.2 Embossed characters and general requirements
The visually or machine-readable character set and font, character spacing, character height, and undulating height of embossed characters in embossed characters shall comply with the provisions of GB/T15120.1.
8.1.3 Position of embossed characters
The content designated for embossed areas on the card surface includes the card number, card validity (expiration) date, cardholder name, etc., which shall specifically comply with the provisions of GB/T15120.1.
8.2 Non-embossed (intaglio, flat)
In addition to the embossed content included in 8.1.1, the card surface information may be printed in a non-embossed (intaglio, flat) manner. Non-embossed (intaglio, flat) elements on the card surface shall be printed in a contrasting color to the card base color. 9Card security requirements
JR/T0052—2020
9.1Overview
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Card security should include anti-counterfeiting elements and security elements. 9.2
Anti-counterfeiting elements
Fluorescent anti-counterfeiting mark
On the front or back of credit cards and quasi-credit cards, it is advisable to print a fluorescent anti-counterfeiting mark. Holographic anti-counterfeiting mark
Credit cards and quasi-credit cards should use a holographic anti-counterfeiting mark. 9.2.3Signature strip
The signature strip appears on the back of the bank card and is a place reserved for the cardholder to sign. The signature strip should have a security background text pattern and an anti-alteration function. The signature strip of credit cards and quasi-credit cards should have a fluorescent anti-counterfeiting pattern. 9.3 Security elements
9.3.1 Card Verification Number
The Card Verification Number (CVN) algorithm complies with the provisions of GB/T19584. 9.3.2 Card Verification Number 2
The Card Verification Number 2 (CVN2) algorithm is the same as the CVN algorithm, but the CVN calculation factors are the primary account number, expiration date and service code, and the CVN2 calculation factors are the primary account number, expiration date and a constant customized by the issuing bank. CVN2 is a 3-digit number printed on the back of the card. 9.3.3 Chip-related security content
Chip-related security content complies with the provisions of JR/T00256
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References
[1]】JR/T0008-2000 Bank card issuing bank identification code and card number JR/T0052—2020
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