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SmartCOS®V3.1ApplicationGuideCPU卡应用指南July31,1999M&W®ShenZhenMingwahAohanScience&TechnologyCO．，LTD．深圳市明华澳汉科技有限公司©1999ShenZhenMingwahAohanScience&TechnologyCO．，LTD．Allrightsreserved.Permissiontocopyandimplementthematerialcontainedhereinisgrantedsubjecttotheconditionsthat(i)anycopyorre-publicationmustbearthislegendinfull,(ii)anyderivativeworkmustbearanoticethatitisnottheSmartCOS®V3.1ApplicationGuidejointlypublishedbythecopyrightholders,and(iii)thatnoneofthecopyrightholdersshallhaveanyresponsibilityorliabilitywhatsoevertoanyotherpartyarisingfromtheuseorpublicationofthematerialcontainedherein.©1999ShenZhenMingwahAohanScience&TechnologyCO.,LTD．Allrightsreserved.TheinformationcontainedinthisdocumentrepresentsthecurrentviewofM&Wontheissuesdiscussedasofthedateofpublication.BecauseM&Wmustrespondtochangingmarketconditions,itshouldnotbeinterpretedtobeacommitmentonthepartofM&Wt,andM&Wcannotguaranteetheaccuracyofanyinformationpresentedafterthedateofpublication.ThisDocumentisforinformationalpurposesonly.M&WMAKESNOWARRANTIES,EXPRESSORIMPLIED,INTHISDOCUMENT.M&W,SmartCOSareeitherregisteredtrademarksortrademarksofMingwahTechnologyCorporationintheP.R.Cand/orothercountries.Otherproductorcompanynamesmentionedhereinmaybethetrademarksoftheirrespectiveowners.应用指南1目录第一篇CPU卡应用的基本概念..................................................................................................3第一章CPU卡简介............................................................................................................3第二章COS概况................................................................................................................4第二篇COS的基本组织............................................................................................................10第一章文件系统...............................................................................................................10第一节文件系统基本结构......................................................................................10第二节文件的引用方法..........................................................................................12第三节EF的结构...................................................................................................15第二章COS的安全架构（SECURITYARCHITECTURE）......................................................20第一节安全架构组成的定义（根据ISO7816/4）................................................20第二节SmartCOS的安全架构.................................................................................21第三章命令应答.............................................................................................................22第三篇CPU卡的规划与发行综述............................................................................................23第四篇应用卡的规划...............................................................................................................24第一章用卡要求...............................................................................................................24第二章根据《人行规范》所做的设计...........................................................................24第五篇发用户卡.......................................................................................................................29第一章命令列表.............................................................................................................29第二章建立支付系统环境的命令分析.........................................................................33第一节建立支付系统环境DDF...............................................................................33第二节选择支付系统环境......................................................................................34第三节建立支付系统环境密钥文件.......................................................................35第四节装入支付系统环境密钥...............................................................................36第五节建立支付系统目录DIR文件......................................................................38第六节创建支付系统环境DDF结束.......................................................................39第三章建立一个金融应用的命令分析.........................................................................40第一节选择支付系统环境......................................................................................40第二节支付系统环境下的内部认证.......................................................................41第三节支付系统环境下的外部认证.......................................................................42第四节建立一个金融应用......................................................................................44第五节在支付系统环境登记金融应用...................................................................45第六节选择金融应用..............................................................................................46第五节建立金融应用的基本数据文件...................................................................47第八节写入金融应用的基本信息...........................................................................50第九节建立金融应用（ADF）的密钥文件.............................................................52第十节安装金融应用的密钥..................................................................................53第十一节建立电子存折ED.........................................................................................76第十二节建立电子钱