AS 2805.

1—1997

Australian Standard
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Electronic funds transfer —

Requirements for interfaces

Part 1: Communications
 This Australian Standard was prepared by Committee IT/5, Financial Transaction
Systems. It was approved on behalf of the Council of Standards Australia on 30 July
1997 and published on 5 November 1997.

The following interests are represented on Committee IT/5:

Australian Association of Permanent Building Societies
Australian Bankers Association
Australian Electrical and Electronic Manufacturers Association
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Australian Information Industry Association

Australian Institute of Petroleum
Credit card industry
Credit Union Services
Independent EFT Services
Reserve Bank of Australia
Retailers Council of Australia
Telstra Corporation

Review of Australian Standards. To keep abreast of progress in industry, Australi an Standards are subject
to periodic review and are kept up to date by the issue of amendments or new edit ions as necessary. It is
important therefore that Standards users ensure that they are in possession of the latest edition, and any
amendments thereto.
Full details of all Australian Standards and related publications wil l be found in the Standards Australia
Catalogue of Publications; this informati on is supplemented each month by the magazine ‘The Australian
Standard’, which subscribing members receive, and which gives details of new publications, new editi ons
and amendments, and of wit hdrawn Standards.
Suggestions for improvements to Australian Standards, addressed to the head office of Standards Australia,
are welcomed. Notification of any inaccuracy or ambiguity found in an Australi an Standard should be made
without delay in order that the matter may be investigated and appropriate acti on taken.

This Standard was issued in draft form for comment as DR 94415.

 AS 2805.1—1997

Australian Standard
This is a free 7 page sample. Access the full version at http://infostore.saiglobal.com.

Electronic funds transfer —

Requirements for interfaces

Part 1: Communications

Originated as AS 2805.1 —1985.

Previous edition 1991.
Third edition 1997.

PUBLISHED BY STANDARDS AUSTRALIA

(STANDARDS ASSOCIATION OF AUSTRALIA)
1 THE CRESCENT, HOMEBUSH, NSW 2140
ISBN 0 7337 1448 X
 AS 2805.1 — 1997 2

PREFACE

This Standard was prepared by the Standards Australia Committee IT/5, Financial
Transaction Systems, on the subject of electronic funds transfer (EFT). It supersedes
AS 2805.1 — 1991.
The AS 2805 series of Standards comprises of the following:
AS
2805 Electronic funds transfer — Requirements for interfaces
2805.1 Part 1: Communications (this Standard)
2805.2 Part 2: Message structure, format and content
2805.3 Part 3: PIN management and security
2805.4 Part 4: Message authentication
2805.5.1 Part 5.1: Ciphers — Data encipherment algorithm 1
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2805.5.2 Part 5.2: Ciphers — Modes of operation for a n-bit block cipher algorithm
2805.5.3 Part 5.3: Ciphers — Data encipherment algorithm 2
2805.6.1 Part 6.1: Key management— Principles
2805.6.2 Part 6.2: Key management— Transaction keys
2805.6.3 Part 6.3: Key management— Session keys —Node to node
2805.6.4 Part 6.4: Key management— Session keys —Terminal to acquirer
2805.6.5.1 Part 6.5.1: Key management— TCU initialization— Principles
2805.6.5.3 Part 6.5.3: Key management— TCU initialization— Asymmetric
2805.9 Part 9: Privacy of communications
2805.10 Part 10: File transfer integrity validation
Additional parts entitled Key management —TCU initialization — Symmetric and Card
parameter table will be published soon after this Standard.
It should be noted that in this AS 2805 series of Standards, definitions are specific to the
Part in which they appear.
This Standard has been revised in the light of experience gained by existing providers of
electronic funds transfer at point of service (EFTPOS) systems and subsequent
international developments. It is not intended to invalidate existing EFTPOS systems, but
to provide a formal specification for the standardization of future EFTPOS systems.
The main changes from the previous editions are in the revision of the functions of the
network layer. In particular, a protocol profile has been added in Appendix D that
specifies minimum requirements using ISDN as a sub-network.
In this Standard, previously known ‘CCITT Recommendations’ have been redesignated
‘ITU-T Recommendations’ as a result of decisions made at the 1993 World
Telecommunications Standardization Conference in Helsinki.
The terms ‘normative’ and ‘informative’ have been used in this Standard to define the
application of the appendices to which they apply. A ‘normative’ appendix is an integral
part of a Standard, whereas an ‘informative’ appendix is only for information and
guidance.
 3 AS 2805.1 — 1997

CONTENTS
Page

FOREWORD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

1 SCOPE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
2 REFERENCED AND RELATED DOCUMENTS . . . . . . . . . . . . . . . . . . . . . . . 5
3 ACRONYMS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
4 DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
5 SERVICE DEFINITION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
6 EFT PROTOCOL STRUCTURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
7 NETWORK LAYER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
8 DATA LINK LAYER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
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9 PHYSICAL LAYER—COMPLIANCE WITH V AND

X RECOMMENDATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
10 CONFORMANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

APPENDICES
A SERVICE REQUIREMENTS FOR THE EFT APPLICATION . . . . . . . . . . . . 20
B PROTOCOL PROFILE FOR USE WITH HDLC SUB-NETWORKS . . . . . . . 24
C PROTOCOL PROFILE FOR USE WITH X.25 SUB-NETWORKS . . . . . . . . . 26
D PROTOCOL PROFILE FOR USE WITH ISDN SUB-NETWORKS . . . . . . . . 28

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 AS 2805.1 — 1997 4

FOREWORD

This Standard addresses special requirements for the use of communication networks that
apply between electronic funds transfer system terminals and application nodes. It does
not address network level requirements for node-to-node communication as existing
general purpose Standards adequately cover such cases.
Care has been taken to allow for the greatest possible flexibility in the implementation of
network and user functions. The construction of this Standard is such as to allow multiple
choices in sub-network implementation. This permits networks exhibiting a range of
performance and cost to be realized and provides for orderly and timely adoption of new
technology as it becomes available.
Special network implementations are not required because of the requirements for
addressing and for internetwork protocols. Also, system implementations are not
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constrained to using an addressing scheme designed to suit a special network architecture.

 5 AS 2805.1 — 1997

STANDARDS AUSTRALIA

Australian Standard
Electronic funds transfer— Requirements for interfaces

Part 1: Communications

1 SCOPE This Standard defines the communications services provided for electronic
funds transfer (EFT) applications. It specifies common communication interfaces by which
electronic messages relating to EFT services may be exchanged between terminals and
application nodes. Services supplied by financial service providers to their customers or
clients are not the subject of this Standard.
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2 REFERENCED AND RELATED DOCUMENTS

2.1 Referenced documents The following documents are referred to in this Standard:
AS
1189 Data processing — Vocabulary
1189.9 Part 9: Data communication
2748 Information technology — Data communication — 25-pole DTE/DCE
interface connector and contact number assignments
AS/NZS
2571 Information technology —Telecommunications and information exchange
between systems— High-level data link control procedures — Elements of
procedures
2572 Information technology— Telecommunications and information exchange
between systems — High-level data link control procedures — Frame
structure
2751 Information technology —Telecommunications and information exchange
between systems— High-level data link control procedures — Classes of
procedures
2777 Information processing systems —Open Systems Interconnection — Basic
reference model
2777.1 Part 1: The basic model
2994 Information technology— Open Systems Interconnection— Network service
definition
3512 Information processing systems— Data communications— High-level data
link control procedures —Description of the X.25 LAPB-compatible DTE
data link procedures
3612 Information technology — Data communication — 37-pole DTE/DCE
interface connector and contact number assignments
3621 Information technology — Data communications— X.25 packet layer
protocol for data terminal equipment
3682 Information processing systems — Data communications— Protocol for
providing the connectionless-mode network service
ISO
8802 Information technology— Local area networks

COPYRIGHT
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AS 2805.1-1997, Electronic funds transfer -

Requirements for interfaces Communications
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