Я начинающий Java-карты, скопировал код ниже из образца. каким-то образом я смог, как часть кода работает. Но все равно запутался в следующем.

.Как работает шпилька владельца и как и когда булавка установлена. Как оформить кредит и дебет работает

Я понимаю, как работает баланс, и этот аспект хорош. Ниже приведен код

wallet.java

/*
 * To change this template, choose Tools | Templates
 * and open the template in the editor.
 */
package classicapplet1;

import javacard.framework.APDU;
import javacard.framework.Applet;
import javacard.framework.ISO7816;
import javacard.framework.ISOException;
import javacard.framework.OwnerPIN;

public class Wallet extends Applet {

    /* constants declaration */
    // code of CLA byte in the command APDU header
    final static byte Wallet_CLA = (byte) 0x80;
    // codes of INS byte in the command APDU header
    final static byte VERIFY = (byte) 0x20;
    final static byte CREDIT = (byte) 0x30;
    final static byte DEBIT = (byte) 0x40;
    final static byte GET_BALANCE = (byte) 0x50;
    // maximum balance
    final static short MAX_BALANCE = 0x7FFF;
    // maximum transaction amount
    final static byte MAX_TRANSACTION_AMOUNT = 127;
    // maximum number of incorrect tries before the
    // PIN is blocked
    final static byte PIN_TRY_LIMIT = (byte) 0x03;
    // maximum size PIN
    final static byte MAX_PIN_SIZE = (byte) 0x08;
    // signal that the PIN verification failed
    final static short SW_VERIFICATION_FAILED = 0x6300;
    // signal the the PIN validation is required
    // for a credit or a debit transaction
    final static short SW_PIN_VERIFICATION_REQUIRED = 0x6301;
    // signal invalid transaction amount
    // amount > MAX_TRANSACTION_AMOUNT or amount < 0
    final static short SW_INVALID_TRANSACTION_AMOUNT = 0x6A83;
    // signal that the balance exceed the maximum
    final static short SW_EXCEED_MAXIMUM_BALANCE = 0x6A84;
    // signal the the balance becomes negative
    final static short SW_NEGATIVE_BALANCE = 0x6A85;

    /* instance variables declaration */
    OwnerPIN pin;
    short balance;

    private Wallet(byte[] bArray, short bOffset, byte bLength) {

        // It is good programming practice to allocate
        // all the memory that an applet needs during
        // its lifetime inside the constructor
        pin = new OwnerPIN(PIN_TRY_LIMIT, MAX_PIN_SIZE);

        byte iLen = bArray[bOffset]; // aid length
        bOffset = (short) (bOffset + iLen + 1);
        byte cLen = bArray[bOffset]; // info length
        bOffset = (short) (bOffset + cLen + 1);
        byte aLen = bArray[bOffset]; // applet data length

        // The installation parameters contain the PIN
        // initialization value
        pin.update(bArray, (short) (bOffset + 1), aLen);
        register();

    } // end of the constructor

    public static void install(byte[] bArray, short bOffset, byte bLength) {
        // create a Wallet applet instance
        new Wallet(bArray, bOffset, bLength);
    } // end of install method

    public boolean select() {

        // The applet declines to be selected
        // if the pin is blocked.
        if (pin.getTriesRemaining() == 0) {
            return false;
        }

        return true;

    }// end of select method

    public void deselect() {

        // reset the pin value
        pin.reset();

    }

    public void process(APDU apdu) {

        // APDU object carries a byte array (buffer) to
        // transfer incoming and outgoing APDU header
        // and data bytes between card and CAD

        // At this point, only the first header bytes
        // [CLA, INS, P1, P2, P3] are available in
        // the APDU buffer.
        // The interface javacard.framework.ISO7816
        // declares constants to denote the offset of
        // these bytes in the APDU buffer

        byte[] buffer = apdu.getBuffer();
        // check SELECT APDU command

        if (apdu.isISOInterindustryCLA()) {
            if (buffer[ISO7816.OFFSET_INS] == (byte) (0xA4)) {
                return;
            }
            ISOException.throwIt(ISO7816.SW_CLA_NOT_SUPPORTED);
        }

        // verify the reset of commands have the
        // correct CLA byte, which specifies the
        // command structure
        if (buffer[ISO7816.OFFSET_CLA] != Wallet_CLA) {
            ISOException.throwIt(ISO7816.SW_CLA_NOT_SUPPORTED);
        }

        switch (buffer[ISO7816.OFFSET_INS]) {
            case GET_BALANCE:
                getBalance(apdu);
                return;
            case DEBIT:
                debit(apdu);
                return;
            case CREDIT:
                credit(apdu);
                return;
            case VERIFY:
                verify(apdu);
                return;
            default:
                ISOException.throwIt(ISO7816.SW_INS_NOT_SUPPORTED);
        }

    } // end of process method

    private void credit(APDU apdu) {

        // access authentication
        if (!pin.isValidated()) {
            ISOException.throwIt(SW_PIN_VERIFICATION_REQUIRED);
        }

        byte[] buffer = apdu.getBuffer();

        // Lc byte denotes the number of bytes in the
        // data field of the command APDU
        byte numBytes = buffer[ISO7816.OFFSET_LC];

        // indicate that this APDU has incoming data
        // and receive data starting from the offset
        // ISO7816.OFFSET_CDATA following the 5 header
        // bytes.
        byte byteRead = (byte) (apdu.setIncomingAndReceive());

        // it is an error if the number of data bytes
        // read does not match the number in Lc byte
        if ((numBytes != 1) || (byteRead != 1)) {
            ISOException.throwIt(ISO7816.SW_WRONG_LENGTH);
        }

        // get the credit amount
        byte creditAmount = buffer[ISO7816.OFFSET_CDATA];

        // check the credit amount
        if ((creditAmount > MAX_TRANSACTION_AMOUNT) || (creditAmount < 0)) {
            ISOException.throwIt(SW_INVALID_TRANSACTION_AMOUNT);
        }

        // check the new balance
        if ((short) (balance + creditAmount) > MAX_BALANCE) {
            ISOException.throwIt(SW_EXCEED_MAXIMUM_BALANCE);
        }

        // credit the amount
        balance = (short) (balance + creditAmount);

    } // end of deposit method

    private void debit(APDU apdu) {

        // access authentication
        if (!pin.isValidated()) {
            ISOException.throwIt(SW_PIN_VERIFICATION_REQUIRED);
        }

        byte[] buffer = apdu.getBuffer();

        byte numBytes = (buffer[ISO7816.OFFSET_LC]);

        byte byteRead = (byte) (apdu.setIncomingAndReceive());

        if ((numBytes != 1) || (byteRead != 1)) {
            ISOException.throwIt(ISO7816.SW_WRONG_LENGTH);
        }

        // get debit amount
        byte debitAmount = buffer[ISO7816.OFFSET_CDATA];

        // check debit amount
        if ((debitAmount > MAX_TRANSACTION_AMOUNT) || (debitAmount < 0)) {
            ISOException.throwIt(SW_INVALID_TRANSACTION_AMOUNT);
        }

        // check the new balance
        if ((short) (balance - debitAmount) < (short) 0) {
            ISOException.throwIt(SW_NEGATIVE_BALANCE);
        }

        balance = (short) (balance - debitAmount);

    } // end of debit method

    private void getBalance(APDU apdu) {

        byte[] buffer = apdu.getBuffer();

        // inform system that the applet has finished
        // processing the command and the system should
        // now prepare to construct a response APDU
        // which contains data field
        short le = apdu.setOutgoing();

        if (le < 2) {
            ISOException.throwIt((byte) 0x6A86);
        }

        // informs the CAD the actual number of bytes
        // returned
        apdu.setOutgoingLength((byte) 2);

        // move the balance data into the APDU buffer
        // starting at the offset 0
        buffer[0] = (byte) (balance >> 8);
        buffer[1] = (byte) (balance & 0xFF);

        // send the 2-byte balance at the offset
        // 0 in the apdu buffer
        apdu.sendBytes((short) 0, (short) 2);

    } // end of getBalance method

    private void verify(APDU apdu) {

        byte[] buffer = apdu.getBuffer();
        // retrieve the PIN data for validation.
        byte byteRead = (byte) (apdu.setIncomingAndReceive());

        // check pin
        // the PIN data is read into the APDU buffer
        // at the offset ISO7816.OFFSET_CDATA
        // the PIN data length = byteRead
        if (pin.check(buffer, ISO7816.OFFSET_CDATA, byteRead) == false) {
            ISOException.throwIt(SW_VERIFICATION_FAILED);
        }

    } // end of validate method
} // end of class Wallet

и ниже файл scr wallet.scr

    //Test script for Applet 'Wallet'

powerup;
// Select Wallet //aid/27ADED2B70/39
0x00 0xA4 0x04 0x00 0X06 0X27 0XAD 0XED 0X2B 0X70 0X3A 0x7F;

//Send the APDU here
//0x80 0xCA 0x00 0x00   0x7F;
0x80 0x50 0x00 0x00 0x00 0x7F;
powerdown;

Выше Wallet.scr, я использовал для проверки баланса и выход:

CLA: 80, INS: 50, P1: 00, P2: 00, Lc: 00, Le: 02, 00, 00, SW1: 90, SW2: 00

что ожидается. Но когда я пытаюсь кредитовать и дебетовать, как мне это сделать? заранее спасибо