外卡收单那点事儿之Visa篇（3）
- VisaNet交易直连消息结构
- 消息结构说明
VisaNet 直连交易消息遵循 ISO 8583:1993 (Visa Extended Format) 标准，结合 Visa 自定义的报文头（Message Header）、专用私有域（如 Field 63 等）及 VisaNet 路由标识信息。
一条完整的 Visa 交易请求或应答消息通常由以下部分组成：
序号 | 结构部分 | 说明 |
1 | Message Header（消息头） | VisaNet 在 ISO8583 报文前增加的专有头部，用于标识报文方向、来源及目标系统。主要字段包括： - Destination Station ID（目的站点号） - Source Station ID（源站点号） - Message Status Indicator（消息状态） - Round Trip Control Information (用于匹配请求应答) - Message Format Indicator (MFI) - Message Function Code 等 |
2 | MTI（Message Type Identifier）消息类型标识 | 表示交易报文的类型，例如： 0100 – 授权请求（Authorization Request） 0110 – 授权应答（Authorization Response） 0200 – 财务请求（Financial Request） 0210 – 财务应答（Financial Response） 0420 – 冲正通知（Reversal Advice） 0430 – 冲正应答（Reversal Response） 等 |
3 | Primary Bitmap & Secondary Bitmap & ThirdBitmap | 位图用于标识报文中实际存在的 Data Element 字段。每个 bit 对应 1 个 ISO 字段，当 bit 值为 1 时表示该字段存在。 |
4 | Data Elements (ISO Fields) | 报文主体数据，包含 DE 1 至 DE 128 等标准域，常见字段包括： - DE 2 主账号（PAN） - DE 3 处理码（Processing Code） - DE 4 交易金额（Amount, Transaction） - DE 7 传输日期时间（Transmission Date & Time） - DE 11 系统跟踪号（STAN） - DE 37 检索参考号（RRN） - DE 41 终端标识号（TID） - DE 43 商户名称与地址 - DE 49 交易货币代码（Currency Code） 等 |
5 | Private Data Fields (Visa Private Use) | Visa 专用私有域，包括但不限于： - DE 62 Visa Private Data（可包含各类控制数据） - DE 63 VIP Private Use Field（用于 VisaNet 内部标识及控制信息） - DE 126 Private Data（根据产品/业务类型定义） 等 |
补充说明：
- VisaNet 采用 Big-Endian 编码，字符串为 EBCDIC及自定义字段编码、解码格式；
- 消息头根据请求、响应其头的长度及字段类型不同，具体请参考Visa相关文档；
- VisaNet 消息通过 TCP/IP 或 TLS 直连方式传输，采用 VisaNet Session Control 协议（VSCP）进行会话管理；
- 在开发与调试时，应优先确认 Header、MTI 与 Bitmap 的正确性，以确保 Visa 可识别报文类型与字段结构；
+------------------------+
| Reject Message Header | <-- VisaNet 加的(Header field 1 length must be 26 or higher)
+------------------------+
| Original Msg Header | <-- 原始发过来的报文头
+------------------------+
| Original Msg Data | <-- 原始发过来的数据部分（如 Bitmap + Data Elements）
+------------------------+
3.1.1 消息结构概述
VISA的授权类消息采用ISO 8583标准格式，主要由以下部分组成：
- 消息类型标识符（MTI）：指示消息的类型，如0100表示授权请求。
- 位图（Bitmap）：指示后续数据字段的存在与否。
- 数据字段（Data Elements）：包含具体的交易信息，如卡号、金额、交易时间等。
3.1.2 主要消息类型
常见的ISO 8583消息类型包括：
- 0100：授权请求（Authorization Request）
- 0110：授权请求响应（Authorization Request Response）
- 0400：授权撤销请求（Authorization Reversal Request）
- 0420：授权撤销请求响应（Authorization Reversal Request Response）
3.1.2.1 授权请求
0100：授权请求（Authorization Request）对应关系：
案例：
StandardMessageHeader.[1](headerLength): 16 StandardMessageHeader.[2](headerFlagAndFormat): 01 StandardMessageHeader.[3](textFormat): 02 StandardMessageHeader.[4](totalMessageLength): 009E StandardMessageHeader.[5](destinationStationId): 000000 StandardMessageHeader.[6](sourceStationId): 132550 StandardMessageHeader.[7](roundTripControlInformation): 00 StandardMessageHeader.[8](vipFlags): 0000 StandardMessageHeader.[9](messageStatusFlags): 000000 StandardMessageHeader.[10](batchNumber): 00 StandardMessageHeader.[11](reserved): 000000 StandardMessageHeader.[12](userInformation): 00 ------------------------------------------------------------------------------------ Message Type Indicator (MTI): 0100 Bitmap[64]: 723C648108608012 Active Fields ✅: [2, 3, 4, 7, 11, 12, 13, 14, 18, 19, 22, 25, 32, 37, 42, 43, 49, 60, 63] DE [ 2] (primaryAccountNumber): 4229989999000012 DE [ 3] (processingCode): 000000 DE [ 4] (amountTransaction): 000000012345 DE [ 7] (transmissionDateAndTime): 1015061340 DE [ 11] (systemTraceAuditNumber): 999999 DE [ 12] (timeLocalTransaction): 141340 DE [ 13] (dateLocalTransaction): 1015 DE [ 14] (dateExpiration): 2512 DE [ 18] (merchantType): 5311 DE [ 19] (acquiringInstitutionCountryCode): 840 DE [ 22] (pointOfServiceEntryModeCode): 0000 DE [ 25] (pointOfServiceConditionCode): 59 DE [ 32] (acquiringInstitutionIdentificationCode): 401228 DE [ 37] (retrievalReferenceNumber): 528806999999 DE [ 42] (cardAcceptorIdentificationCode): 123456789111111 DE [ 43] (acceptorNameAndLocation): John London US DE [ 49] (currencyCodeTransaction): 840 DE [ 60] (additionalPosInformation): 010000000730 DE [ 63] (vipPrivateUseField): 8000000002 ------------------------------------------------------------------------------------ DE 63 详情： DE 63.[2](timeLimit): 0002 |
字段编号 | 字段名称 | 名称 | 长度 | 描述 |
2 | primaryAccountNumber | 主账号（PAN） | 19 | 卡片的主账号 |
3 | processingCode | 处理码 | 6 | 指示交易类型和处理方式 |
4 | amountTransaction | 交易金额 | 12 | 交易金额，单位为分 |
7 | transmissionDateAndTime | 交易日期时间 | 10 | 交易发生的日期和时间 |
11 | systemTraceAuditNumber | 系统跟踪号 | 6 | 唯一标识一次交易的编号 |
12 | timeLocalTransaction | 本地时间 | 6 | 交易发生地的本地时间 |
13 | dateLocalTransaction | 本地日期 | 4 | 交易发生地的本地日期 |
14 | dateExpiration | 卡片有效期 | 4 | 卡片的有效期 |
18 | merchantType | 商户类型 | 4 | 商户类型 |
19 | acquiringInstitutionCountryCode | 收单机构国家代码 | 3 | 收单机构国家的标识码 |
22 | pointOfServiceEntryModeCode | 输入方式码 | 3 | 指示卡片输入方式，如刷卡、插卡、挥卡等 |
25 | pointOfServiceConditionCode | 点服务条件代码 | 2 | 点服务条件代码 |
32 | acquiringInstitutionIdentificationCode | 受理机构标识码 | 11 | 受理机构的标识码 |
37 | retrievalReferenceNumber | 参考号 | 12 | 交易的参考号 |
42 | cardAcceptorIdentificationCode | 受理机构标识码 | 15 | 受理机构的标识码 |
43 | acceptorNameAndLocation | 受理机构名称/位置 | 40 | 受理机构的名称和位置 |
49 | currencyCodeTransaction | 交易货币代码 | 3 | 交易使用的货币代码 |
60 | additionalPosInformation | 附加位置信息 | 可变 | 附加位置信息 |
63 | vipPrivateUseField | VIP专用场地 | 可变 | VIP专用场地 |
3.1.2.2 授权响应
0110：授权请求响应（Authorization Request Response）对应关系
案例：
StandardMessageHeader.[1](headerLength): 16 StandardMessageHeader.[2](headerFlagAndFormat): 01 StandardMessageHeader.[3](textFormat): 02 StandardMessageHeader.[4](totalMessageLength): 00ED StandardMessageHeader.[5](destinationStationId): 132550 StandardMessageHeader.[6](sourceStationId): 000000 StandardMessageHeader.[7](roundTripControlInformation): 01 StandardMessageHeader.[8](vipFlags): 1000 StandardMessageHeader.[9](messageStatusFlags): 479410 StandardMessageHeader.[10](batchNumber): 05 StandardMessageHeader.[11](reserved): 013801 StandardMessageHeader.[12](userInformation): 00 ------------------------------------------------------------------------------------ Message Type Indicator (MTI): 0110 Bitmap[128]: F22020810E5081060000000001020000 Active Fields ✅: [2, 3, 4, 7, 11, 19, 25, 32, 37, 38, 39, 42, 44, 49, 56, 62, 63, 104, 111] DE [ 2] (primaryAccountNumber): 4229989999000012 DE [ 3] (processingCode): 003600 DE [ 4] (amountTransaction): 000000012345 DE [ 7] (transmissionDateAndTime): 1015061340 DE [ 11] (systemTraceAuditNumber): 999999 DE [ 19] (acquiringInstitutionCountryCode): 840 DE [ 25] (pointOfServiceConditionCode): 59 DE [ 32] (acquiringInstitutionIdentificationCode): 401228 DE [ 37] (retrievalReferenceNumber): 528806999999 DE [ 38] (authorizationIdentificationResponse): 057658 DE [ 39] (responseCode): 00 DE [ 42] (cardAcceptorIdentificationCode): 123456789111111 DE [ 44] (additionalResponseData): V DE [ 49] (currencyCodeTransaction): 840 DE [ 56] (customerRelatedData): 01001F011DE5F0F0F1F0F0F1F3F0F2F0F1F6F1F4F8F9F7F5F9F5F1F7F9F8F0F6F0F3 DE [ 62] (customPaymentServiceFieldsBitmapFormat): E000020000000000C40305288224235660D2F4F7E5E2F1 DE [ 63] (vipPrivateUseField): 8000000002 DE [104] (transactionDescriptionAndTransactionSpecificData): 57000483025298 DE [111] (additionalTransactionSpecificData): 01002E8018E589A28140C995834B6B40C5A783888195878540D981A3858105C1F1F1F6F38208F5F0F4F2F3F5F4F98E01F1 ------------------------------------------------------------------------------------ DE 44 详情： DE 44.[1](responseSourceReasonCode): V DE 44.[2](addressVerificationResultCode): null DE 44.[3](additionalTokenResponseInformation): null DE 44.[4](extendedSTIPReasonCode): null DE 44.[5](cvvICVVResultsCode): null DE 44.[6](pacmDiversionLevel): null DE 44.[7](pacmDiversionReasonCode): null DE 44.[8](cardAuthenticationResultsCode): null DE 44.[9](reserved): null DE 44.[10](cvv2ResultCode): null DE 44.[11](originalResponseCode): null DE 44.[12](reserved2): null DE 44.[13](cavvResultCode): null DE 44.[14](responseReasonCode): null DE 44.[15](primaryAccountNumberLastFourDigitsForReceipt): null DE 44.[16](cvmRequirementForPinLess): null DE 56 详情： DE56Dataset[01].Tag[01](paymentAccountReference): V0010013020161489759517980603 DE 62 详情： DE 62.[1](authorizationCharacteristicsIndicator): D DE 62.[2](transactionIdentifier): 305288224235660 DE 62.[3](validationCode): K47V DE 62.[23](productId): S1 DE 63 详情： DE 63.[2](timeLimit): 0002 DE 104 详情： DE104Dataset[57].Tag[83](unknownField): êq DE 111 详情： Dataset ID: 01 Dataset Length: 002E TLV Length: 46 ➤ Tag: 80, Length: 18, Value: E589A28140C995834B6B40C5A783888195878540D981A385，真实值：Visa Inc., Exchange Rate ➤ Tag: 81, Length: 05, Value: C1F1F1F6F3，真实值：A1163 ➤ Tag: 82, Length: 08, Value: F5F0F4F2F3F5F4F9，真实值：50423549 ➤ Tag: 8E, Length: 01, Value: F1，真实值：1 |
字段编号 | 字段名称 | 名称 | 长度 | 描述 |
2 | primaryAccountNumber | 主账号（PAN） | 19 | 卡片的主账号 |
3 | processingCode | 处理码 | 6 | 指示交易类型和处理方式 |
4 | amountTransaction | 交易金额 | 12 | 交易金额，单位为分 |
7 | transmissionDateAndTime | 交易日期时间 | 10 | 交易发生的日期和时间 |
11 | systemTraceAuditNumber | 系统跟踪号 | 6 | 唯一标识一次交易的编号 |
19 | acquiringInstitutionCountryCode | 收单机构国家代码 | 3 | 收单机构国家的标识码 |
25 | pointOfServiceConditionCode | 点服务条件代码 | 2 | 点服务条件代码 |
32 | acquiringInstitutionIdentificationCode | 受理机构标识码 | 11 | 受理机构的标识码 |
37 | retrievalReferenceNumber | 参考号 | 12 | 交易的参考号 |
38 | authorizationIdentificationResponse | 授权识别响应 | 6 | 授权识别响应码 |
39 | responseCode | 响应代码 | 2 | 响应标识码 |
42 | cardAcceptorIdentificationCode | 受理机构标识码 | 15 | 受理机构的标识码 |
44 | additionalResponseData | 附加响应数据 | 25 | 包含各种各样的响应消息数据。在所有0110授权响应中 |
49 | currencyCodeTransaction | 交易货币代码 | 3 | 交易使用的货币代码 |
56 | customerRelatedData | 客户相关数据 | 可变 | 该数据集以单字节格式存储客户数据 |
62 | customPaymentServiceFieldsBitmapFormat | 自定义支付服务字段位图格式 | 可变 | 自定义支付服务字段位图格式 |
63 | vipPrivateUseField | VIP专用场地 | 可变 | VIP专用场地 |
104 | transactionDescriptionAndTransactionSpecificData | 事务描述和事务特定数据 | 可变 | 事务描述和事务特定数据 |
111 | additionalTransactionSpecificData | 其他交易特定数据(TLV格式） | 可变 | 事务数据集 |
3.1.2.3 授权撤销请求
0420：授权撤销请求（Authorization Reversal Request）对应关系
案例：
StandardMessageHeader.[1](headerLength): 16 StandardMessageHeader.[2](headerFlagAndFormat): 01 StandardMessageHeader.[3](textFormat): 02 StandardMessageHeader.[4](totalMessageLength): 00CE StandardMessageHeader.[5](destinationStationId): 000000 StandardMessageHeader.[6](sourceStationId): 132550 StandardMessageHeader.[7](roundTripControlInformation): 00 StandardMessageHeader.[8](vipFlags): 0000 StandardMessageHeader.[9](messageStatusFlags): 000000 StandardMessageHeader.[10](batchNumber): 00 StandardMessageHeader.[11](reserved): 000000 StandardMessageHeader.[12](userInformation): 00 ------------------------------------------------------------------------------------ Message Type Indicator (MTI): 0420 Bitmap[128]: F23C6481086080160000004000000000 Active Fields ✅: [2, 3, 4, 7, 11, 12, 13, 14, 18, 19, 22, 25, 32, 37, 42, 43, 49, 60, 62, 63, 90] DE [ 2] (primaryAccountNumber): 4229989999000012 DE [ 3] (processingCode): 000000 DE [ 4] (amountTransaction): 000000012345 DE [ 7] (transmissionDateAndTime): 1015071325 DE [ 11] (systemTraceAuditNumber): 999998 DE [ 12] (timeLocalTransaction): 151325 DE [ 13] (dateLocalTransaction): 1015 DE [ 14] (dateExpiration): 2512 DE [ 18] (merchantType): 5311 DE [ 19] (acquiringInstitutionCountryCode): 840 DE [ 22] (pointOfServiceEntryModeCode): 0000 DE [ 25] (pointOfServiceConditionCode): 59 DE [ 32] (acquiringInstitutionIdentificationCode): 401228 DE [ 37] (retrievalReferenceNumber): 528807999998 DE [ 42] (cardAcceptorIdentificationCode): 123456789111111 DE [ 43] (acceptorNameAndLocation): John London US DE [ 49] (currencyCodeTransaction): 840 DE [ 60] (additionalPosInformation): 010000000730 DE [ 62] (customPaymentServiceFieldsBitmapFormat): 40000000000000000305288224235660 DE [ 63] (vipPrivateUseField): A0000000022501 DE [ 90] (originalDataElements): 010099999910150613400000040122800000000000 ------------------------------------------------------------------------------------ DE 62 详情： DE 62.[2](transactionIdentifier): 305288224235660 DE 63 详情： DE 63.[2](timeLimit): 0002 DE 63.[4](switchReasonCode): 2501 |
字段编号 | 字段名称 | 名称 | 长度 | 描述 |
2 | primaryAccountNumber | 主账号（PAN） | 19 | 卡片的主账号 |
3 | processingCode | 处理码 | 6 | 指示交易类型和处理方式 |
4 | amountTransaction | 交易金额 | 12 | 交易金额，单位为分 |
7 | transmissionDateAndTime | 交易日期时间 | 10 | 交易发生的日期和时间 |
11 | systemTraceAuditNumber | 系统跟踪号 | 6 | 唯一标识一次交易的编号 |
12 | timeLocalTransaction | 本地时间 | 6 | 交易发生地的本地时间 |
13 | dateLocalTransaction | 本地日期 | 4 | 交易发生地的本地日期 |
14 | dateExpiration | 卡片有效期 | 4 | 卡片的有效期 |
18 | merchantType | 商户类型 | 4 | 商户类型 |
19 | acquiringInstitutionCountryCode | 收单机构国家代码 | 3 | 收单机构国家的标识码 |
22 | pointOfServiceEntryModeCode | 输入方式码 | 3 | 指示卡片输入方式，如刷卡、插卡、挥卡等 |
25 | pointOfServiceConditionCode | 点服务条件代码 | 2 | 点服务条件代码 |
32 | acquiringInstitutionIdentificationCode | 受理机构标识码 | 11 | 受理机构的标识码 |
37 | retrievalReferenceNumber | 参考号 | 12 | 交易的参考号 |
42 | cardAcceptorIdentificationCode | 受理机构标识码 | 15 | 受理机构的标识码 |
43 | acceptorNameAndLocation | 受理机构名称/位置 | 40 | 受理机构的名称和位置 |
49 | currencyCodeTransaction | 交易货币代码 | 3 | 交易使用的货币代码 |
60 | additionalPosInformation | 附加位置信息 | 可变 | 附加位置信息 |
63 | vipPrivateUseField | VIP专用场地 | 可变 | VIP专用场地 |
90 | originalDataElements | 原始数据元素 | 42 | 原始数据元素 |
3.1.2.4 授权撤销响应
0420：授权撤销请求响应（Authorization Reversal Request Response）
案例：
StandardMessageHeader.[1](headerLength): 16 StandardMessageHeader.[2](headerFlagAndFormat): 01 StandardMessageHeader.[3](textFormat): 02 StandardMessageHeader.[4](totalMessageLength): 00E4 StandardMessageHeader.[5](destinationStationId): 132550 StandardMessageHeader.[6](sourceStationId): 000000 StandardMessageHeader.[7](roundTripControlInformation): 01 StandardMessageHeader.[8](vipFlags): 1000 StandardMessageHeader.[9](messageStatusFlags): 479410 StandardMessageHeader.[10](batchNumber): 07 StandardMessageHeader.[11](reserved): 013801 StandardMessageHeader.[12](userInformation): 00 ------------------------------------------------------------------------------------ Message Type Indicator (MTI): 0430 Bitmap[128]: E22020810A5001060000004000020000 Active Fields ✅: [2, 3, 7, 11, 19, 25, 32, 37, 39, 42, 44, 56, 62, 63, 90, 111] DE [ 2] (primaryAccountNumber): 4229989999000012 DE [ 3] (processingCode): 003600 DE [ 7] (transmissionDateAndTime): 1015071325 DE [ 11] (systemTraceAuditNumber): 999998 DE [ 19] (acquiringInstitutionCountryCode): 840 DE [ 25] (pointOfServiceConditionCode): 59 DE [ 32] (acquiringInstitutionIdentificationCode): 401228 DE [ 37] (retrievalReferenceNumber): 528807999998 DE [ 39] (responseCode): 00 DE [ 42] (cardAcceptorIdentificationCode): 123456789111111 DE [ 44] (additionalResponseData): V DE [ 56] (customerRelatedData): 01001F011DE5F0F0F1F0F0F1F3F0F2F0F1F6F1F4F8F9F7F5F9F5F1F7F9F8F0F6F0F3 DE [ 62] (customPaymentServiceFieldsBitmapFormat): 40000200000000000305288224235660E2F1 DE [ 63] (vipPrivateUseField): 8000000002 DE [ 90] (originalDataElements): 010099999910150613400000040122800000000000 DE [111] (additionalTransactionSpecificData): 01002B8018E589A28140C995834B6B40C5A783888195878540D981A3858105C1F1F1F6F38208F5F0F4F2F3F5F4F9 ------------------------------------------------------------------------------------ DE 44 详情： 2025-10-15 15:13:26.322 INFO 10004 --- [nio-8006-exec-7] c.s.payment.utils.VisaNetPrintLogs : DE 44.[1](responseSourceReasonCode): V DE 44.[2](addressVerificationResultCode): null DE 44.[3](additionalTokenResponseInformation): null DE 44.[4](extendedSTIPReasonCode): null DE 44.[5](cvvICVVResultsCode): null DE 44.[6](pacmDiversionLevel): null DE 44.[7](pacmDiversionReasonCode): null DE 44.[8](cardAuthenticationResultsCode): null DE 44.[9](reserved): null DE 44.[10](cvv2ResultCode): null DE 44.[11](originalResponseCode): null DE 44.[12](reserved2): null DE 44.[13](cavvResultCode): null DE 44.[14](responseReasonCode): null DE 44.[15](primaryAccountNumberLastFourDigitsForReceipt): null DE 44.[16](cvmRequirementForPinLess): null DE 56 详情： DE56Dataset[01].Tag[01](paymentAccountReference): V0010013020161489759517980603 DE 62 详情： DE 62.[2](transactionIdentifier): 305288224235660 DE 62.[23](productId): S1 DE 63 详情： DE 63.[2](timeLimit): 0002 DE 111 详情： Dataset ID: 01 Dataset Length: 002B TLV Length: 43 ➤ Tag: 80, Length: 18, Value: E589A28140C995834B6B40C5A783888195878540D981A385，真实值：Visa Inc., Exchange Rate ➤ Tag: 81, Length: 05, Value: C1F1F1F6F3，真实值：A1163 ➤ Tag: 82, Length: 08, Value: F5F0F4F2F3F5F4F9，真实值：50423549 |
字段编号 | 字段名称 | 名称 | 长度 | 描述 |
2 | primaryAccountNumber | 主账号（PAN） | 19 | 卡片的主账号 |
3 | processingCode | 处理码 | 6 | 指示交易类型和处理方式 |
4 | amountTransaction | 交易金额 | 12 | 交易金额，单位为分 |
7 | transmissionDateAndTime | 交易日期时间 | 10 | 交易发生的日期和时间 |
11 | systemTraceAuditNumber | 系统跟踪号 | 6 | 唯一标识一次交易的编号 |
19 | acquiringInstitutionCountryCode | 收单机构国家代码 | 3 | 收单机构国家的标识码 |
25 | pointOfServiceConditionCode | 点服务条件代码 | 2 | 点服务条件代码 |
32 | acquiringInstitutionIdentificationCode | 受理机构标识码 | 11 | 受理机构的标识码 |
37 | retrievalReferenceNumber | 参考号 | 12 | 交易的参考号 |
39 | responseCode | 响应代码 | 2 | 响应标识码 |
42 | cardAcceptorIdentificationCode | 受理机构标识码 | 15 | 受理机构的标识码 |
44 | additionalResponseData | 附加响应数据 | 25 | 包含各种各样的响应消息数据。在所有0110授权响应中 |
49 | currencyCodeTransaction | 交易货币代码 | 3 | 交易使用的货币代码 |
56 | customerRelatedData | 客户相关数据 | 可变 | 该数据集以单字节格式存储客户数据 |
62 | customPaymentServiceFieldsBitmapFormat | 自定义支付服务字段位图格式 | 可变 | 自定义支付服务字段位图格式 |
63 | vipPrivateUseField | VIP专用场地 | 可变 | VIP专用场地 |
90 | originalDataElements | 原始数据元素 | 42 | 原始数据元素 |
111 | additionalTransactionSpecificData | 其他交易特定数据(TLV格式） | 可变 | 事务数据集 |
注：具体字段长度和内容可能根据不同的交易类型和实现方式有所调整。
3.1.3 消息构成
Visa的报文主要由两个主要部分组成：报文头（12或14个字段）、报文体；其中请求参数中作为标准报文组装，但响应参数分为两种：正常响应、异常响应；
正常响应：12个字段的请求头、报文体（MTI、Bitmap、Fields）；
异常响应：14个字段的请求头（含错误码）、12个字段的请求头（原始请求头）、报文体（MTI、Bitmap、Fields）；
其中无论是Message Header还是Message Type Indicator (MTI)、BitMap、Fields都是按照固定格式组装的报文数据；组装完成的数据在上送Visa VTS或者VCMS交易模拟器之前必须按照对应数据长度配置格式（2 或 4个byte）填充数据长度位标识；
3.1.3.1 位图组成格式：
3.1.3.2 消息头组成格式
3.1.3.3 报文组装 - 参数注解通用版
@Getter
public enum VisaFldFlag {
/**
* 十六进制
* */
HEX_DECIMAL,
/**
* 固定长度字段，使用 ASCII 编码
* */
ASCII_FIXED,
/**
* 1位byte可变长度的 ASCII 编码
* */
ASCII_VAR1,
/**
* 2位byte可变长度的 ASCII 编码
* */
ASCII_VAR2,
/**
* 3位byte可变长度的 ASCII 编码
* */
ASCII_VAR3,
/**
* 固定长度的 EBCDIC 编码
* */
EBCDIC_FIXED,
/**
* 1位byte可变长度的 EBCDIC 编码
* */
EBCDIC_VAR1,
/**
* 2位byte可变长度的 EBCDIC 编码
* */
EBCDIC_VAR2,
/**
* 3位byte可变长度的 EBCDIC 编码
* */
EBCDIC_VAR3,
/**
* 固定长度的 BCD 编码
* */
BCD_FIXED,
/**
* 1位byte可变长度的 BCD 编码
* */
BCD_VAR1,
/**
* 2位byte可变长度的 BCD 编码
* */
BCD_VAR2,
/**
* 3位byte可变长度的 BCD 编码
* */
BCD_VAR3,
/**
* 固定长度的 binary 编码
* */
BINARY_FIXED,
/**
* 1位byte可变长度的 binary 编码
* */
BINARY_VAR1,
/**
* 2位byte可变长度的 binary 编码
* */
BINARY_VAR2,
/**
* 3位byte可变长度的 binary 编码
* */
BINARY_VAR3,
/**
* BINARY_EBCDIC_FIXED 编码
* */
BINARY_EBCDIC_FIXED;
}
@Target({ElementType.FIELD, ElementType.ANNOTATION_TYPE})
@Retention(RetentionPolicy.RUNTIME)
@Documented
public @interface IsoVisa8583Annotation {
/**
* 域索引
* @return
*/
int fldIndex();
/**
* 域字段标识
* FIXED:固定长度；UNFIXED_2:2位变长；UNFIXED_3:3位变长
* @return
*/
VisaFldFlag fldFlag();
/**
* 数据域长度
* @return
*/
int dataFldLength();
/**
* 字段描述
*/
String filedDescription();
/**
* 数据域字节长度
*/
// String dataByteLength();
}
3.1.3.4 报文组装 - Header通用版
@Data
@Builder
@NoArgsConstructor
@AllArgsConstructor
@JsonIgnoreProperties(ignoreUnknown = true)
public class StandardMessageHeader {
//+------------------------+
//| Reject Message Header | <-- VisaNet 加的(Header field 1 length must be 26 or higher)
//+------------------------+
//| Original Msg Header | <-- 原始发过来的报文头
//+------------------------+
//| Original Msg Data | <-- 原始发过来的数据部分（如 Bitmap + Data Elements）
//+------------------------+
/**
* Field 1 – Header Length
* fixed length：报头字段 1 以十六进制指定此报头中的字节数
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 1, dataFldLength = 1, fldFlag = VisaFldFlag.HEX_DECIMAL, filedDescription = "头长度")
private String headerLength;
/**
* Header Field 2 – Header Flag and Format
* 8 N, bit string
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 2, dataFldLength = 1, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "头标识和格式")
private String headerFlagAndFormat;
/**
* Header Field 3 – Text Format
* 1B (binary)
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 3, dataFldLength = 1, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "文本格式")
private String textFormat;
/**
* Header Field 4 – Total Message Length
* 2B (binary)
* 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 4, dataFldLength = 2, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "消息总长度")
private String totalMessageLength;
/**
* Header Field 5 – Destination Station ID
* 6 N, 4-bit Binary-Coded Decimal Notation (BCD) (unsigned packed)
* 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 5, dataFldLength = 3, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "目的地ID")
private String destinationStationId;
/**
* Header Field 6 – Source Station ID
* 6 N, 4-bit BCD (unsigned packed)
* 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 6,
dataFldLength = 6, // �� 明确指明数字长度为 6（将会编码为 3 字节）
fldFlag = VisaFldFlag.BCD_FIXED,
filedDescription = "源站 ID"
)
private String sourceStationId;
/**
* Header Field 7 – Round-Trip Control Information
* 8 N, bit string
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 7, dataFldLength = 1, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "往返控制信息")
private String roundTripControlInformation;
/**
* Header Field 8 – V.I.P. Flags
* 16 N, bit string
* 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 8, dataFldLength = 2, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "VIP标识")
private String vipFlags;
/**
* Header Field 9 – Message Status Flags:此字段用于控制消息的处理。当前定义的标志在图中以复选标记标识
* 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 9, dataFldLength = 3, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "消息状态标志")
private String messageStatusFlags;
/**
* Header Field 10 – Batch Number
* 此字段包含 VisaNet 为该报文分配的批次号。VisaNet 收到每个新的请求或通知时，都会将当前的对账批次号插入此字段。
* 当 VisaNet 收到之前已处理的重复报文时，批次号和字段 15 中的结算日期将设置为先前处理时确定的值。
* VisaNet 为来自清算端点的交易创建的通知分配批次号 255
* 1B (binary)
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 10, dataFldLength = 1, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "批次号")
private String batchNumber;
/**
* Header Field 11 – Reserved
* 3B (binary)
* 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 11, dataFldLength = 3, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "保留字段")
private String reserved;
/**
* Header Field 12 – User Information
* 1B (binary)
* 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 12, dataFldLength = 1, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "用户信息")
private String userInformation;
/**
* Header Field 13 – Bitmap
* 16 N, bit string 拒绝的头中才会有此数据信息
* 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 13, dataFldLength = 2, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "位图")
private String bitmap;
/**
* Header Field 14 – Bitmap, Reject Data Group
* 4 N, 4-bit BCD (unsigned packed) 拒绝的头中才会有此数据信息
* 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 14, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "位图，拒绝数据组")
private String bitmapRejectDataGroup;
}
3.1.3.5 报文组装 - Body通用版
@Data
@Builder
@NoArgsConstructor
@AllArgsConstructor
@JsonIgnoreProperties(ignoreUnknown = true)
public class VisaIso8583InterfaceDTO {
/**
* 位图域
*/
private int bitMapLength;
/**
* 完整位图
*/
private String bitMap;
/**
* 消息类型
* fixed length
* 4 N, 4–bit BCD (unsigned packed), 2 bytes
*/
// @IsoVisa8583Annotation(
// fldIndex = 0, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "Message Type Identifier Structure")
private String messageTypeIdentifierStructure;
/**
* Field 2 – Primary Account Number
* variable length
* 1 byte, binary +
* 19 N, 4-bit BCD (unsigned packed); maximum 11 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 2, dataFldLength = 19, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "卡号")
private String primaryAccountNumber;
/**
* Field 3 – Processing Code 使用枚举 VisaProcessingCodeEnum 组装此字段
* fixed length
* 6 N, 4-bit BCD (unsigned packed); 3 bytes
* Positions 1-2, Transaction Type: A 2-digit code identifying the customer transaction type or the center function being processed.
* Positions 3-4, Account Type (From): A 2-digit code identifying the account type affected by this transaction or from which an account transfer is made.
* Positions 5-6, Account Type (To): For ATM account transfers, a two-digit code identifying the account type to which an account transfer is made.
*/
@IsoVisa8583Annotation(
fldIndex = 3, dataFldLength = 6, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "处理码"
)
private String processingCode;
private ProcessingCode processingCodeObj;
/**
* Field 4 – Amount, Transaction
* fixed length
* 12 N, 4-bit BCD (unsigned packed); 6 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 4, dataFldLength = 12, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "交易金额"
)
private String amountTransaction;
/**
* Field 6 – Amount, Cardholder Billing
* fixed length
* 12 N, 4-bit BCD (unsigned packed); 6 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 6, dataFldLength = 12, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "持卡人账单金额"
)
private String amountCardholderBilling;
/**
* Field 7 – Transmission Date and Time
* fixed length
* 10 N, 4-bit BCD (unsigned packed); 5 bytes
* format: MMDDhhmmss
*/
@IsoVisa8583Annotation(
fldIndex = 7, dataFldLength = 10, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "传输日期和时间"
)
private String transmissionDateAndTime;
/**
* Field 9 – Conversion Rate, Settlement
* fixed length
* 8 N, 4-bit BCD (unsigned packed); 4 bytes
* 示例：69985022 = 9.985022
*/
@IsoVisa8583Annotation(
fldIndex = 9, dataFldLength = 8, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "结算转换率"
)
private String conversionRateSettlement;
/**
* Field 10 – Conversion Rate, Cardholder Billing
* fixed length
* 8 N, 4-bit BCD (unsigned packed); 4 bytes
* 示例：69985022 = 9.985022
*/
@IsoVisa8583Annotation(
fldIndex = 10, dataFldLength = 8, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "持卡人账单转换率"
)
private String conversionRateCardholderBilling;
/**
* Field 11 – System Trace Audit Number
* fixed length
* 6 N, 4-bit BCD (unsigned packed); 3 bytes
* Visa 明确要求：冲正（Reversal）或撤销（Cancellation）必须使用原始授权请求中的 Field 11（System Trace Audit Number, STAN），而不是新生成的 STAN。
* 所有属于同一笔交易生命周期的消息（授权、撤销、冲正、完成、完成冲正等）都必须复用相同的 Field 11 值
*/
@IsoVisa8583Annotation(
fldIndex = 11, dataFldLength = 6, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "系统跟踪审计号"
)
private String systemTraceAuditNumber;
/**
* Field 12 – Time, Local Transaction
* fixed length
* 6 N, 4-bit BCD (unsigned packed); 3 bytes
* format: hhmmss
*/
@IsoVisa8583Annotation(
fldIndex = 12, dataFldLength = 6, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "本地交易时间"
)
private String timeLocalTransaction;
/**
* Field 13 – Date, Local Transaction
* fixed length
* 4 N, 4-bit BCD (unsigned packed); 2 bytes
* format: mmdd
*/
@IsoVisa8583Annotation(
fldIndex = 13, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "本地交易日期"
)
private String dateLocalTransaction;
/**
* Field 14 – Date, Expiration
* fixed length
* 4 N, 4-bit BCD (unsigned packed); 2 bytes
* format: yymm
*/
@IsoVisa8583Annotation(
fldIndex = 14, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "卡号过期日期"
)
private String dateExpiration;
/**
* Field 15 – Date, Settlement
* fixed length
* 4 N, 4-bit BCD (unsigned packed); 2 bytes
* format: mmdd
*/
@IsoVisa8583Annotation(
fldIndex = 15, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "结算日期"
)
private String dateSettlement;
/**
* Field 18 – Merchant Type
* fixed length
* 4 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 18, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "商户类型"
)
private String merchantType;
/**
* Field 19 – Acquiring Institution Country Code
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 19, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "收单机构国家代码"
)
private String acquiringInstitutionCountryCode;
/**
* Field 20 – PAN Extended, Country Code
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 20, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "PAN扩展国家代码"
)
private String panExtendedCountryCode;
/**
* Field 22 – Point-of-Service Entry Mode Code
* fixed length
* 4 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 22, dataFldLength = 4, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "服务点输入模式代码"
)
private String pointOfServiceEntryModeCode;
/**
* Field 23 – Card Sequence Number
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 23, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "卡序列号"
)
private String cardSequenceNumber;
/**
* Field 25 – Point-of-Service Condition Code
* fixed length
* 2 N, 4-bit BCD (unsigned packed); 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 25, dataFldLength = 2, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "服务点条件代码"
)
private String pointOfServiceConditionCode;
/**
* Field 26 – Point-of-Service PIN Capture Code
* fixed length
* 2 N, 4-bit BCD (unsigned packed); 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 26, dataFldLength = 2, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "服务点PIN捕获代码"
)
private String pointOfServicePinCaptureCode;
/**
* Field 28 – Amount, Transaction Fee
* fixed length
* 1 AN, EBCDIC +
* 8 N, EBCDIC
* total: 9 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 28, dataFldLength = 9, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "交易费用金额"
)
private String amountTransactionFee;
/**
* Field 32 – Acquiring Institution Identification Code
* variable length
* 1 byte, binary +
* 11 N, 4-bit BCD (unsigned packed); maximum 7 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 32, dataFldLength = 11, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "收单机构标识代码"
)
private String acquiringInstitutionIdentificationCode;
/**
* Field 33 – Forwarding Institution Identification Code
* variable length
* 1 byte, binary +
* 11 N, 4-bit BCD (unsigned packed); maximum 7 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 33, dataFldLength = 11, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "转发机构标识代码"
)
private String forwardingInstitutionIdentificationCode;
/**
* Field 34 – Acceptance Environment Data (TLV Format)
* variable length
* 2 bytes, binary
* 1535 bytes, variable by usage, maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 34, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "接受环境数据(TLV格式)"
)
private String acceptanceEnvironmentData;
// private CustomerRelatedData acceptanceEnvironmentDataObj;
private AcceptanceEnvironmentDataTlvFormat acceptanceEnvironmentDataTlvFormatObj;
/**
* Field 35 – Track 2 Data
* variable length
* 1 byte, binary +
* 37 N, 4-bit BCD (unsigned packed); maximum 20 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 35, dataFldLength = 37, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "磁道2数据"
)
private String track2Data;
/**
* Field 37 – Retrieval Reference Number
* fixed length
* 12 AN [content limited to numerics], EBCDIC; 12 bytes
* format: ydddnnnnnnnn
* Positions 1-4: the yddd equivalent of the field 7 date，字段 7对应的yddd 日期（儒略日期格式）
* Positions 5-6: the hours from the time in field 7，字段 7 中时间的小时数
* Positions 7-12: the value from field 11，字段 11 中的值
*/
@IsoVisa8583Annotation(
fldIndex = 37, dataFldLength = 12, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "检索参考号"
)
private String retrievalReferenceNumber;
/**
* Field 38 – Authorization Identification Response
* fixed length
* 6 AN, EBCDIC; 6 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 38, dataFldLength = 6, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "授权标识响应"
)
private String authorizationIdentificationResponse;
/**
* Field 39 – Response Code
* fixed length
* 2 AN, EBCDIC; 2 bytes
*
*/
@IsoVisa8583Annotation(
fldIndex = 39, dataFldLength = 2, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "响应代码"
)
private String responseCode;
/**
* Field 41 – Card Acceptor Terminal Identification
* fixed length
* 8 ANS, EBCDIC; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 41, dataFldLength = 8, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "卡接受器终端标识"
)
private String cardAcceptorTerminalIdentification;
/**
* Field 42 – Card Acceptor Identification Code
* fixed length
* 15 ANS, EBCDIC; 15 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 42, dataFldLength = 15, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "卡接受者标识代码/子商户号"
)
private String cardAcceptorIdentificationCode;
/**
* Field 43 – Card Acceptor Name/Location
* fixed length
* 40 ANS, EBCDIC; 40 bytes
* - Positions: 1-25 : card acceptor name or Automated Teller Machine (ATM) location
* - Positions: 26-38 : city name
* - Positions: 39-40 : country code
*/
@IsoVisa8583Annotation(
fldIndex = 43, dataFldLength = 40, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "卡接受者名称/位置"
)
private String acceptorNameAndLocation;
/**
* Field 44 - Additional Response Data
* variable length
* 1 byte, binary +
* 25 ANS, EBCDIC; maximum 26 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 44, dataFldLength = 25, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "附加响应数据"
)
private String additionalResponseData;
private AdditionalResponseData additionalResponseDataObj;
/**
* Field 45 – Track 1 Data
* variable length
* 1 byte, binary +
* 76 ANS, EBCDIC; maximum 77 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 45, dataFldLength = 76, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "磁道1数据"
)
private String track1Data;
/**
* Field 46 – Amounts, Fees
* variable length
* 1 byte, binary +
* 216 bytes ANS, EBCDIC; maximum 217 bytes
* Subfield format = 36 ANS, EBCDIC
*/
@IsoVisa8583Annotation(
fldIndex = 46, dataFldLength = 216, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "费用金额"
)
private String amountFee;
/**
* Field 48 – Additional Data - Private
* variable length
* 1 byte, binary +
* 255 bytes, variable by usage; maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 48, dataFldLength = 255, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "私有附加数据"
)
private String additionalData;
/**
* Field 49 – Currency Code, Transaction
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 49, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "交易货币代码"
)
private String currencyCodeTransaction;
/**
* Field 50 – Currency Code, Settlement
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 50, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "结算货币代码"
)
private String currencyCodeSettlement;
/**
* Field 51 – Currency Code, Cardholder Billing
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 51, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "持卡人账单货币代码"
)
private String currencyCodeCardholderBilling;
/**
* Field 52 – Personal Identification Number (PIN) Data
* fixed length
* 64 N, bit string; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 52, dataFldLength = 8, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "个人标识号码数据"
)
private String personalIdentificationNumberData;
/**
* Field 53 – Security-Related Control Information
* fixed length
* 16 N, 4-bit BCD (unsigned packed); 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 53, dataFldLength = 16, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "安全相关控制信息"
)
private String securityRelatedControlInformation;
/**
* Field 54 – Additional Amounts
* variable length
* 1 byte, binary +
* 20 ANS, EBCDIC; 21 bytes total
* or 40 ANS, EBCDIC; 41 bytes total
* or 60 ANS, EBCDIC; 61 bytes total
* or 80 ANS, EBCDIC; 81 bytes total
* or 100 ANS, EBCDIC; 101 bytes total
* or 120 ANS, EBCDIC; 121 bytes total
* maximum: 121 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 54, dataFldLength = 240, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "附加金额"
)
private String additionalAmounts;
private AdditionalAmounts additionalAmountsObj;
/**
* Field 55 – Integrated Circuit Card (ICC)-Related Data
* variable length
* 1 byte binary +
* 255 bytes, variable by usage; maximum 256 bytes
* 解法同：CustomerRelatedData
*/
@IsoVisa8583Annotation(
fldIndex = 55, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "集成电路卡相关数据"
)
private String intergratedCircuitCardRelatedData;
private VsdcChipDataOld chipCardDataUsage1;
private ChipCardDataOld chipCardDataUsage2;
/**
* Field 56 – Customer Related Data
* variable length
* 1 byte, binary +
* 255 ANS, EBCDIC; maximum: 256 bytes
* or
* variable length
* 2 byte, binary +
* 1535 bytes, variable by usage, maximum 1537 bytes
*
* Acquirer (收单方) 提交 Account Owner Data 必须使用 2 字节长度前缀
* 1 字节提交 V.I.P. 忽略字段，或者 拒绝交易（跨境加拿大 OCT）
* 加拿大跨境 OCT 的 AML 合规 不满足两字节格式 → 返回码 64
* 加拿大 Issuer 必须支持两字节 不支持则交易失败，返回码 57
*/
// @IsoVisa8583Annotation(
// fldIndex = 56, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "客户相关数据"
// )
@IsoVisa8583Annotation(
fldIndex = 56,
dataFldLength = 1537,
fldFlag = VisaFldFlag.BINARY_VAR2, // 二字节长度前缀
// fldFlag = VisaFldFlag.EBCDIC_VAR2, // 二字节长度前缀
filedDescription = "客户相关数据"
)
private String customerRelatedData;
private CustomerRelatedDataOld customerRelatedDataOldObj;
private CustomerRelatedData customerRelatedDataObj;
/**
* Field 59 – National Point-of-Service Geographic Data
* variable length
* 1 byte, binary +
* 14 ANS, EBCDIC; maximum 15 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 59, dataFldLength = 14, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "国家POS地理数据"
)
private String nationalPointOfServiceGeographicData;
/**
* Field 60 – Additional POS Information
* variable length
* 1 byte, binary +
* 12 N, 4-bit BCD (unsigned packed), 7 bytes total
*/
@IsoVisa8583Annotation(
fldIndex = 60, dataFldLength = 6, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "附加POS信息"
)
private String additionalPosInformation;
private AdditionalPosInformation additionalPosInformationObj;
// /**
// * Field 60 – Additional POS Information
// * variable length
// * 1 byte, binary +
// * 12 N, 4-bit BCD (unsigned packed), 7 bytes total
// */
// @IsoVisa8583Annotation(
// fldIndex = 60, dataFldLength = 12, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "附加POS信息"
// )
// private String additionalPosInformation;
/**
* Field 61 – Other Amounts
* 1 byte, binary +
* 12 N, 4-bit BCD (unsigned packed), 7 bytes total
* or 24 N, 4-bit BCD (unsigned packed), 13 bytes total
* or 36 N, 4-bit BCD (unsigned packed), 19 bytes total
*/
@IsoVisa8583Annotation(
fldIndex = 61, dataFldLength = 36, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "其他金额"
)
private String otherAmounts;
/**
* Field 62 – Custom Payment Service Fields (Bitmap Format)
* 1 byte, binary +
* variable by subfield
* maximum: 255 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 62, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "自定义支付服务字段（位图格式）"
)
private String customPaymentServiceFieldsBitmapFormat;
private CustomPaymentServiceField customPaymentServiceFieldObj;
/**
* Field 63 – VIP Private-Use Field
* variable length
* 1 byte, binary +
* 255 bytes, variable; maximum: 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 63, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "VIP专用字段"
)
private String vipPrivateUseField;
private VipPrivateUseField vipPrivateUseFieldObj;
/**
* Field 68 – Receiving Institution Country Code
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 68, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "接收机构国家代码"
)
private String receivingInstitutionCountryCode;
/**
* Field 70 – Network Management Information Code
* fixed length
* 3 N, 4-bit BCD (unsigned packed); 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 70, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "网络管理信息代码"
)
private String networkManagementInformationCode;
/**
* Field 73 – Date, Action
* fixed length
* 6 N, 4-bit BCD (unsigned packed); 3 bytes
* format: variable yymmdd
*/
@IsoVisa8583Annotation(
fldIndex = 73, dataFldLength = 6, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "操作日期"
)
private String dateAction;
/**
* Field 90 – Original Data Elements
* fixed length
* 42 N, 4-bit BCD (unsigned packed); 21 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 90, dataFldLength = 42, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "原始数据元素"
)
private String originalDataElements;
private OriginalDataElements originalDataElementsObj;
/**
* Field 91 – File Update Code
* fixed length
* 1 AN, EBCDIC; 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 91, dataFldLength = 1, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "文件更新代码"
)
private String fileUpdateCode;
/**
* Field 92 – File Security Code
* fixed length
* 2 AN, EBCDIC; 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 92, dataFldLength = 2, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "文件安全代码"
)
private String fileSecurityCode;
/**
* Field 95 – Replacement Amounts
* fixed length
* 42 AN, EBCDIC; 42 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 95, dataFldLength = 42, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "替换金额"
)
private String replacementAmounts;
private ReplacementAmounts replacementAmountsObj;
/**
* Field 96 – Reserved
* fixed length
* 64 N, bit string; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 96, dataFldLength = 8, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "保留字段"
)
private String reserved;
/**
* Field 99 – Settlement Institution Identification Code
* variable length
* 1 byte, binary +
* 11 N, 4-bit BCD (unsigned packed); maximum: 7 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 99, dataFldLength = 11, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "结算机构标识代码"
)
private String settlementInstitutionIDCode;
/**
* Field 100 – Receiving Institution Identification Code
* variable length
* 1 byte, binary +
* 11 N, 4-bit BCD (unsigned packed); maximum: 7 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 100, dataFldLength = 11, fldFlag = VisaFldFlag.BCD_VAR1, filedDescription = "接收机构标识代码"
)
private String receivingInstitutionIdCode;
/**
* Field 101 – File Name
* variable length
* 1 byte, binary +
* up to 17 ANS, EBCDIC; maximum: 18 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 101, dataFldLength = 17, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "文件名"
)
private String fileName;
/**
* Field 102 – Account Identification 1
* variable length
* 1 byte, binary +
* 1-28 ANS, EBCDIC; maximum: 29 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 102, dataFldLength = 28, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "账户标识1"
)
private String accountIdentification1;
/**
* Field 103 – Account Identification 2
* variable length
* 1 byte, binary +
* 1-28 ANS, EBCDIC; maximum: 29 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 103, dataFldLength = 28, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "账户标识2"
)
private String accountIdentification2;
/**
* Field 104 – Transaction Description and Transaction-Specific Data
* variable length
* 1 byte, binary +
* 255 bytes; variable by usage; maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 104, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "交易描述和交易特定数据"
)
private String transactionDescriptionAndTransactionSpecificData;
// private CustomerRelatedDataOld transactionSpecificDataObj;
private TransactionSpecificData transactionSpecificDataObj;
/**
* Field 105 – Double-Length DES Key (Triple DES)
* fixed length
* 128 N, bit string; 16 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 105, dataFldLength = 16, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "双倍长度DES密钥（三重DES）"
)
private String doubleLengthDesKey;
/**
* Field 108 – Data in Local Language (TLV Format)
* variable length
* 2 bytes, binary+
* 1535 bytes, variable by usage, maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 108, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "本地语言数据（TLV格式）"
)
private String dataInLocalLanguageTLVFormat;
/**
* Field 110 – Encryption Data (TLV Format)
* variable length
* 2-byte, binary
* 1535 bytes, variable by usage; maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 110, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "加密数据（TLV格式）"
)
private String encryptionDataTLVFormat;
/**
* Field 111 – Additional Transaction Specific Data (TLV Format)
* variable length
* 2-byte, binary
* 1535 bytes, variable by usage; maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 111, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "附加交易特定数据（TLV格式）"
)
private String additionalTransactionSpecificData;
private CustomerRelatedDataOld additionalTransactionSpecificDataObj;
/**
* Field 114 – Domestic and Localized Data (TLV Format)
* variable length
* 2 bytes, binary
* 1535 bytes, variable by usage, maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 114, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "国内和本地化数据（TLV格式）"
)
private String domesticAndLocalizedData;
/**
* Field 115 – Additional Trace Data
* variable length
* 1 byte, binary +
* up to 24 ANS, EBCDIC; maximum: 25 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 115, dataFldLength = 24, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "附加跟踪数据"
)
private String additionalTraceData;
/**
* Field 116 – Card Issuer Reference Data
* variable length
* 1 byte, binary +
* 255 bytes; variable by usage; maximum: 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 116, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "发卡机构参考数据"
)
private String cardIssuerReferenceData;
/**
* Field 117 – National Use
* variable length
* 1 byte, binary +
* 3 ANS, EBCDIC, +
* 252 ANS, EBCDIC, variable by usage;
* maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 117, dataFldLength = 255, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "国家使用"
)
private String nationalUse;
/**
* Field 118 – Intra-Country Data
* variable length
* 1 byte, binary +
* 3 ANS, EBCDIC, +
* 252 ANS, EBCDIC
* maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 118, dataFldLength = 255, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "国内数据"
)
private String intraCountryData;
/**
* Field 120 – Auxiliary Transaction Data (TLV Format)
* variable length
* 2 bytes binary
* 1535 bytes, variable by usage; maximum 1537 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 120, dataFldLength = 1535, fldFlag = VisaFldFlag.BINARY_VAR2, filedDescription = "辅助交易数据（TLV格式）"
)
private String auxiliaryTransactionData;
/**
* Field 121 – Issuing Institution Identification Code
* variable length
* 1 byte, binary +
* 3-11 AN, EBCDIC; maximum: 12 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 121, dataFldLength = 11, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "发卡机构识别代码"
)
private String issuingInstitutionIdCode;
/**
* Field 123—Verification Data
* variable length
* 1 byte, binary +
* 255 bytes, variable by usage; maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 123, dataFldLength = 29, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "验证数据"
// fldIndex = 123, dataFldLength = 255, fldFlag = VisaFldFlag.EBCDIC_VAR1, filedDescription = "验证数据"
)
private String verificationData;
private CustomerRelatedDataOld verificationDataObj;
private VerificationDataFixedFormat verificationDataFixedFormatObj;
/**
* Field 125 – Supporting Information
* variable length
* 1 byte, binary +
* 255 bytes, variable by usage and subfield; maximum: 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 125, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "支持信息"
)
private String supportingInformation;
private CustomerRelatedDataOld supportingInformationObj;
/**
* Field 126 – Visa Private-Use Fields
* 1 byte, binary +
* variable by field
* minimum: 10 bytes
* maximum: 255 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 126, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "VISA专用字段"
)
private String visaPrivateUseFields;
private VisaPrivateUseFields VisaPrivateUseFieldsObj;
/**
* Field 127 – File Record(s): Action and Data
* variable length
* 1 byte, binary +
* 255 bytes, variable by subfield; maximum: 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 127, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "文件记录：操作和数据"
)
private String fileRecordActionAndData;
/**
* ield 130 – Terminal Capability Profile
* fixed length
* 24 bit string; 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 130, dataFldLength = 24, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "终端能力配置文件"
)
private String terminalCapabilityProfile;
/**
* Field 131 – Terminal Verification Results (TVR)
* fixed length
* 40 bit string; 5 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 131, dataFldLength = 40, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "终端验证结果（TVR）"
)
private String terminalVerificationResults;
/**
* Field 132 – Unpredictable Number
* fixed length
* 8 hexadecimal digits; 4 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 132, dataFldLength = 8, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "不可预测的随机数"
)
private String unpredictableNumber;
/**
* Field 133 – Reserved for Future Use
* fixed length
* 8 AN, EBCDIC; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 133, dataFldLength = 8, fldFlag = VisaFldFlag.EBCDIC_FIXED, filedDescription = "保留供将来使用"
)
private String reservedForFutureUse;
/**
* Field 134 – Visa Discretionary Data
* variable length
* 1 byte binary +
* 255 data bytes; variable by usage and subfield;
* maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 134, dataFldLength = 255, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "VISA专用数据"
)
private String visaDiscretionaryData;
/**
* Field 135 – Issuer Discretionary Data
* variable length
* 1 byte binary + 30 hexadecimal digits; maximum 16 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 135, dataFldLength = 31, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "发卡方专用数据"
)
private String issuerDiscretionaryData;
/**
* Field 136 – Cryptogram
* fixed length
* 16 hexadecimal digits; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 136, dataFldLength = 16, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "密文"
)
private String cryptogram;
/**
* Field 137 – Application Transaction Counter
* fixed length
* 4 hexadecimal digits; a 2-byte binary value
*/
@IsoVisa8583Annotation(
fldIndex = 137, dataFldLength = 4, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "应用交易计数器"
)
private String applicationTransactionCounter;
/**
* Field 138 – Application Interchange Profile
* fixed length
* 16 bit string; 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 138, dataFldLength = 16, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "应用交换配置文件"
)
private String applicationInterchangeProfile;
/**
* Field 139 – ARPC Response Cryptogram and Code
* fixed length
* 16 hexadecimal digits + 2 AN EBCDIC; 10 bytes total
*/
@IsoVisa8583Annotation(
fldIndex = 139, dataFldLength = 10, fldFlag = VisaFldFlag.BINARY_EBCDIC_FIXED, filedDescription = "ARPC + 授权响应码"
)
private String arpcResponseCryptogramAndCode;
/**
* Field 140 – Issuer Authentication Data
* variable length
* 1 byte binary +
* 255 bytes variable by usage;
* maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 140, dataFldLength = 255, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "发卡方认证数据"
)
private String issuerAuthenticationData;
/**
* Field 142 – Issuer Script
* variable length
* 1 byte +
* 510 hexadecimal digits; maximum 256 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 142, dataFldLength = 510, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "发卡方脚本"
)
private String issuerScript;
/**
* Field 143 – Issuer Script Results
* variable length
* 1 byte binary +
* 40 hexadecimal digits; maximum 21 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 143, dataFldLength = 40, fldFlag = VisaFldFlag.BINARY_VAR1, filedDescription = "发卡方脚本结果"
)
private String issuerScriptResults;
/**
* Field 144 – Cryptogram Transaction Type
* fixed length
* 2N, 4 bit BCD (unsigned packed); 1 byte
*/
@IsoVisa8583Annotation(
fldIndex = 144, dataFldLength = 2, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "密文交易类型"
)
private String cryptogramTransactionType;
/**
* Field 145 – Terminal Country Code
* fixed length
* 3N, 4 bit BCD; 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 145, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "终端国家代码"
)
private String terminalCountryCode;
/**
* Field 146 – Terminal Transaction Date
* fixed length
* 6N, 4 bit BCD; 3 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 146, dataFldLength = 6, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "终端交易日期"
)
private String terminalTransactionDate;
/**
* Field 147 – Cryptogram Amount
* fixed length
* 12N, 4 bit BCD (unsigned packed); 6 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 147, dataFldLength = 12, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "密文金额"
)
private String cryptogramAmount;
/**
* Field 148 – Cryptogram Currency Code
* fixed length
* 3N, 4 bit BCD; 2 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 148, dataFldLength = 3, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "密文货币代码"
)
private String cryptogramCurrencyCode;
/**
* Field 149 – Cryptogram Cashback Amount
* fixed length
* 12N, 4 bit BCD (unsigned packed); 6 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 149, dataFldLength = 12, fldFlag = VisaFldFlag.BCD_FIXED, filedDescription = "密文现金回退金额"
)
private String cryptogramCashbackAmount;
/**
* Field 152 – Secondary PIN Block
* fixed length
* 64 N, bit string; 8 bytes
*/
@IsoVisa8583Annotation(
fldIndex = 152, dataFldLength = 8, fldFlag = VisaFldFlag.BINARY_FIXED, filedDescription = "辅助PIN块"
)
private String secondaryPinBlock;
}
3.1.3.6 TCP交互 - socket短连接交互版
/**
* @description : 发送请求
* @author : scott
* @date : 2025/6/25 - 18:21
* @params : [config, requestBytes]
* @return : byte[]
*/
private static byte[] sendVisaNetSocketRequest(VisaNetClientConfig config, byte[] iso8583BodyBytes) throws Exception {
Socket socket = null;
try {
// 是否使用证书交互
if (config.isUseSSL()) {
SSLSocketFactory sslFactory = createSSLSocketFactory(config);
log.debug("Connecting to {}:{} using SSL" , config.getHost(), config.getPort());
socket = sslFactory.createSocket(config.getHost(), config.getPort());
((SSLSocket) socket).startHandshake();
log.debug("SSL handshake success");
} else {
log.debug("Connecting to {}:{} using plain socket" , config.getHost(), config.getPort());
socket = new Socket(config.getHost(), config.getPort());
log.debug("Plain socket connected");
}
socket.setSoTimeout(config.getTimeoutMillis() * 1000);
OutputStream out = socket.getOutputStream();
InputStream in = socket.getInputStream();
// === ✅ 添加VMLH Visa framing header === 4个字节：00 3E（长度标识） 00 00（保留位）
int bodyLen = iso8583BodyBytes.length;
ByteBuffer sendBuffer = ByteBuffer.allocate(4 + bodyLen);
sendBuffer.putShort((short) bodyLen); // 报文长度（不包含 framing 自身）
sendBuffer.putShort((short) 0); // 保留字段（默认 0x0000）
sendBuffer.put(iso8583BodyBytes);
byte[] finalRequest = sendBuffer.array();
log.debug("✅开始发送VisaNet网络包: {}", toHex(finalRequest));
out.write(finalRequest);
out.flush();
byte[] buffer = new byte[4096];
int read = in.read(buffer);
if (read == -1) {
throw new IOException("No response from Visa");
}
byte[] rawResponse = Arrays.copyOf(buffer, read);
log.debug("✅成功收到VisaNet原始响应: {}", toHex(rawResponse));
// === ✅ 去掉前导 header（前4字节） ===
if (rawResponse.length < 4) {
throw new IOException("VisaNet response too short");
}
byte[] iso8583Response = Arrays.copyOfRange(rawResponse, 4, rawResponse.length);
return iso8583Response;
} finally {
if (socket != null) {
socket.close();
}
}
}
3.1.3.6 TCP交互 - Netty长连接交互版
代码太长：略；
3.2 卡组基础业务阐述
卡组织介绍：
国际信用卡组织，国际上六大信用卡组织分别是VISA、MasterCard（万事达卡）、American Express（美国运通）、UnionPay（银联）、JCB和Diners Club。除银联和JCB外，其余四大信用卡均起源于美国。
6大卡组全称：Visa Card、Master Card、Japan Credit Bureau、Diners Club、America Express、Union Pay；
卡组织定义：
全称银行卡转接清算机构（又称信用卡组织/银行卡组织），由成员组成的国际性或区域性支付卡组织，授权成员发卡，受理商户的卡交易，拥有并经营自己的国际区域处理网络。
卡组职责：
1、卡组织负责建设和运营全球或区域统一的支付卡信息交换网络，负责支付卡交易的信息转换和资金清算， 制定并推行支付卡跨行交易业务规范和技术标准。
2、卡组织成立后要做的第一件事就是吸收会员或成员并建设和运营一个庞大的网络（如visa的visanet，中国银联的跨行交易清算系统CUPS等等），这个网络主要负责银行卡交易的信息交换、资金清算等等很多功能。
而加入银行卡组织的会员（比如银行）一般也有自己的网络，比如支付网络或交易清算网络等等，当会员加入银行卡组织后，该会员的网络就会与银行卡组织的国际网络进行联网，与银行卡组织进行全球的信息交换、交易处理、资金清算等业务。
所以，一个银行卡组织的会员越多，会员遍布范围越广，那么这个银行卡组织的国际性和全球性就越强，服务就更加便利，总之，银行卡组织的国际网络和其会员的自有网络进行联网，共同构成遍布全世界的金融交易网络。
卡组织银行卡组织本身并不发卡，而是由加入银行卡组织的金融类机构会员（主要是银行）来发行各种卡片，并且会提示其会员机构们开发新的支付产品和技术。持卡人的相关关系也由各金融机构自己负责管理。
卡组交易流程：
OPGS系统和卡组交易过程中，其交易核心使用TCP长连接方式进行数据交互，报文以8583格式进行交互；报文提需要根据不同卡组相关规范进行拆包解包；其OPGS提供交易业务流程如下所示：
- 商户发起授权请求进入OPGS对外API中：http-json；
- OPGS处理参数，完成基础参数封包，并通过TCP长连接上送至卡组：TCP-8583；
- 卡组完成交易，并通过TCP长连接返回给OPGS；OPGS通过拆包完成数据解析，并同步更新交易信息；
- OPGS根据交易结果封装为JSON报文返回给商户/调用方：http-json；
TCP报文编写规范：
- 每一个卡组一种独立处理映射AOP处理器；
- 卡组规范（数据类型、编码、长度）使用统一枚举；
- 报文拆包粘包每个卡组均使用统一规范；
卡组交易流程：
OPGS系统和卡组交易过程中，其交易核心使用TCP长连接方式进行数据交互，报文以8583格式进行交互；报文提需要根据不同卡组相关规范进行拆包解包；其OPGS提供交易业务流程如下所示：
- 商户发起授权请求进入OPGS对外API中：http-json；
- OPGS处理参数，完成基础参数封包，并通过TCP长连接上送至卡组：TCP-8583；
- 卡组完成交易，并通过TCP长连接返回给OPGS；OPGS通过拆包完成数据解析，并同步更新交易信息；
- OPGS根据交易结果封装为JSON报文返回给商户/调用方：http-json；
TCP报文编写规范：
- 每一个卡组一种独立处理映射AOP处理器；
- 卡组规范（数据类型、编码、长度）使用统一枚举；
- 报文拆包粘包每个卡组均使用统一规范；