中国金融集成电路（IC）卡借记/贷记规范第三部分：应用规范PBOC借记/贷记规范咨询小组二零零三年八月目次1.引言...................................................................................................................................12.范围...................................................................................................................................13.参考资料............................................................................................................................14.定义...................................................................................................................................15.缩略语和符号表示................................................................................................................26.文件、数据元、数据对象列表................................................................................................36.1文件结构.....................................................................................................................36.1.1应用数据文件(ADF)...................................................................................................46.1.2应用基本文件（AEF）...............................................................................................46.1.3文件到ISO/IEC7816-4的文件结构的映射...................................................................46.1.4目录结构..................................................................................................................46.1.5文件引用..................................................................................................................56.2数据元........................................................................................................................56.3数据对象列表（DOL）..................................................................................................57.借记/贷记交易处理流程.........................................................................................................67.1功能概述.....................................................................................................................67.1.1应用选择（M）.........................................................................................................67.1.2应用初始化（M）......................................................................................................67.1.3读应用数据（M）......................................................................................................67.1.4脱机数据认证（O）...................................................................................................77.1.5处理限制（M）.........................................................................................................77.1.6持卡人验证（M）......................................................................................................77.1.7终端风险管理（M）...................................................................................................77.1.8终端行为分析（M）...................................................................................................77.1.9卡片行为分析（M）...................................................................................................87.1.10联机处理（O）..............................................................
