BS ISO IEC 4909-2006 Identification cards - Financial transaction cards - Magnetic stripe data content for track 3《识别卡 金融交易卡 磁道3的磁条数据内容》.pdf

1、BRITISH STANDARD BS ISO/IEC 4909:2006 Identification cards Financial transaction cards Magnetic stripe data content for track 3 ICS 35.240.15 BS ISO/IEC 4909:2006 This British Standard was published under the authority of the Standards Policy and Strategy Committee on 30 November 2006 BSI 2006 ISBN

2、0 580 49488 8 National foreword This British Standard was published by BSI. It is the UK implementation of ISO/IEC 4909:2006. It supersedes BS ISO 4909:2000 which is withdrawn. The UK participation in its preparation was entrusted to Technical Committee IST/17, Cards and personal identification. A l

3、ist of organizations represented on IST/17 can be obtained on request to its secretary. This publication does not purport to include all the necessary provisions of a contract. Users are responsible for its correct application. Compliance with a British Standard cannot confer immunity from legal obl

4、igations. Amendments issued since publication Amd. No. Date Comments Reference number ISO/IEC 4909:2006(E) ISO/IEC 2006INTERNATIONAL STANDARD ISO/IEC 4909 First edition 2006-07-01 Identification cards Financial transaction cards Magnetic stripe data content for track 3 Cartes didentification Cartes

5、de transactions financires Contenu des donnes de plage magntique pour la piste 3 BS ISO/IEC:2006 ii iii Contents Page Foreword iv Introduction v 1 Scope. 1 2 Normative references. 1 3 Terms and definitions. 1 4 Physical characteristics of the card . 2 5 Location and dimensions of embossed data. 2 6

6、Physical and performance characteristics of the magnetic material 2 6.1 Physical characteristics. 2 6.2 Performance characteristics. 2 7 Encoding specifications 2 8 Data content of track 3 . 3 8.1 Field 1: start sentinel 5 8.2 Field 2: format code 5 8.3 Field 3: primary account number (PAN). 5 8.4 F

7、ield 4: field separator (FS) . 5 8.5 Field 5: country code 5 8.6 Field 6: currency . 5 8.7 Field 7: currency exponent 6 8.8 Field 8: amount authorized per cycle period . 6 8.9 Field 9: amount remaining this cycle 6 8.10 Field 10: cycle begin. 6 8.11 Field 11: cycle length 7 8.12 Field 12: retry coun

8、t 7 8.13 Field 13: personal identification number control parameters (PINPARM) 8 8.14 Field 14: interchange control. 8 8.15 Field 15: type of account (TA) and service restriction (SR) PAN 9 8.16 Field 16: type of account and service restrictions - SAN-1 9 8.17 Field 17: type of account and service r

9、estrictions SAN-2 . 9 8.18 Field 18: expiry date . 10 8.19 Field 19: card sequence number. 10 8.20 Field 20: card security number 10 8.21 Field 21: first subsidiary account number (SAN-1) . 10 8.22 Field 22: field separator . 11 8.23 Field 23: second subsidiary account number (SAN-2) . 11 8.24 Field

10、 24: field separator . 11 8.25 Field 25: relay marker. 11 8.26 Field 26: crypto check digits (CCD) 11 8.27 Field 27: additional data. 12 8.27.1 Field 27.1: transaction date . 12 8.27.2 Field 27.2: additional verification value(s) . 12 8.27.3 Field 27.3: alternative card sequence number. 12 8.27.4 Fi

11、eld 27.4: international network identification code 13 8.27.5 Field 27.5: discretionary data 13 8.28 Field 28: end sentinel . 13 8.29 Field 29: longitudinal redundancy check (LRC) 13 Bibliography . 14 BSI 2006 BS ISO/IEC:2006iv Foreword ISO (the International Organization for Standardization) and IE

12、C (the International Electrotechnical Commission) form the specialized system for worldwide standardization. National bodies that are members of ISO or IEC participate in the development of International Standards through technical committees established by the respective organization to deal with p

13、articular fields of technical activity. ISO and IEC technical committees collaborate in fields of mutual interest. Other international organizations, governmental and non-governmental, in liaison with ISO and IEC, also take part in the work. In the field of information technology, ISO and IEC have e

14、stablished a joint technical committee, ISO/IEC JTC 1. International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 2. The main task of the joint technical committee is to prepare International Standards. Draft International Standards adopted by the joint te

15、chnical committee are circulated to national bodies for voting. Publication as an International Standard requires approval by at least 75 % of the national bodies casting a vote. Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO

16、 and IEC shall not be held responsible for identifying any or all such patent rights. ISO/IEC 4909 was prepared by Joint Technical Committee ISO/IEC JTC 1, Information technology, Subcommittee SC 17, Cards and personal identification. This first edition of ISO/IEC 4909 cancels and replaces the third

17、 edition of ISO 4909:2000, which has been technically revised. BSI 2006 BS ISO/IEC:2006v Introduction This International Standard recognizes the need for formats of track 3 which can be used independently of, or in conjunction with, track 2 as defined in ISO/IEC 7813. This approach is intended to pe

18、rmit the greatest degree of flexibility within the financial community in facilitating international interchange. Using track 3 in conjunction with track 2 is a mode of operation in both on-line and off-line interchange environments. This mode of operation requires that the original encoded data on

19、track 2 be read; the data on track 3 be read; and, if update is required, all the data on track 3 be rewritten. Independent use of track 3 is an alternative mode of operation permitting both on-line interchange and off-line interchange based on mutual agreement between interested parties. It require

20、s reading only of the data on track 3 and, if update is required, the rewriting of all the data on track 3. BSI 2006 BS ISO/IEC:2006blank1 Identification cards Financial transaction cards Magnetic stripe data content for track 3 1 Scope This International Standard establishes specifications for fina

21、ncial transaction cards using track 3 and is intended to permit interchange based on the use of magnetic stripe encoded information. It specifies the data content and physical location of read/write information on track 3 and is to be used in conjunction with the relevant parts of ISO/IEC 7811 and I

22、SO/IEC 7812. 2 Normative references The following referenced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated references, the latest edition of the referenced document (including any amendments) applies. ISO 4217, Cod

23、es for the representation of currencies and funds ISO/IEC 7810, Identification cards Physical characteristics ISO/IEC 7811 (all parts), Identification cards Recording technique ISO/IEC 7812 (all parts), Identification cards Identification of issuers ISO 9564-2: Banking Personal Identification Number

24、 management and security Part 2: Approved algorithms for PIN encipherment 3 Terms and definitions For the purposes of this document, the following terms and definitions apply. 3.1 card financial transaction card generally used to identify parties to a financial transaction, and to provide input data

25、 for a transaction 3.2 check digit check digit character as described in ISO/IEC 7812 3.3 cycle period fixed or predetermined period of time qualifying the validity of certain transactions 3.4 issuer identification number IIN major industry identifier and issuer identifier as described in ISO/IEC 78

26、12 BSI 2006 BS ISO/IEC:20062 3.5 individual account identification individual account identification as described in ISO/IEC 7812 3.6 personal identification number PIN code or password that the cardholder possesses for verification of identity 3.7 primary account number PAN number containing a maxi

27、mum of 19 digits which serves to identify the card issuer and the card holder, consisting of the IIN, the individual account identification provided by the issuer and a check digit derived by using the Luhn Formula (see ISO/IEC 7812) 3.8 SAN-1 first optional subsidiary account identification held in

28、 addition to PAN (see 8.21) 3.9 SAN-2 second optional subsidiary account identification held in addition to PAN and SAN-1 (see 8.23) 4 Physical characteristics of the card The card shall conform in all respects to the specifications in ISO/IEC 7810. 5 Location and dimensions of embossed data If pres

29、ent, all embossed data on the card shall conform to the specifications in ISO/IEC 7811-1. 6 Physical and performance characteristics of the magnetic material 6.1 Physical characteristics The physical characteristics and location of the magnetic material shall conform in all respects to the requireme

30、nts of ISO/IEC 7811-2 and ISO/IEC 7811-6. 6.2 Performance characteristics The performance characteristics of the magnetic materials for the card shall conform in all respects to the specifications contained in ISO/IEC 7811-2 and ISO/IEC 7811-6. 7 Encoding specifications Encoding specifications shall

31、 conform in all respects to the requirements of ISO/IEC 7811-2 and ISO/IEC 7811-6. BSI 2006 BS ISO/IEC:20063 8 Data content of track 3 The sequence and length of data fields shall be as shown in Table 1 or 2 with details as follows. The coding character set shall be 5 bit numeric as defined in ISO/I

32、EC 7811. Table 1 Track 3 information layout for format code 01 Field No. Content M = Mandatory O = Optional D = Dynamic S = Static(See NOTE 1) F = Fixed V = Variable Length 1 Start sentinel M S F 1 2 Format code M S F 2 3 Primary account number: PAN O S V Max. 19 4 Field separator M S F 1 5 Country

33、code M S F 1 6 Currency M S F 3 7 Currency exponent M S F 1 8 Amount authorized per cycle period M S F 4 9 Amount remaining this cycle M D F 4 10 Cycle begin M D F 4 11 Cycle length M S F 2 12 Retry count M D F 1 13 PINPARM M S F 6 See NOTE 3 14 Interchange control M S F 1 15 Type of account and ser

34、vice restriction (PAN) M S F 2 16 TA and SR (SAN-1) M S F 2 17 TA and SR (SAN-2) M S F 2 18 Expiry date M S F 4 See NOTE 3 19 Card sequence number M S F 1 20 Card security number M D F 9 See NOTE 3 21 SAN -1 O S V See NOTE 2 22 Field separator M S F 1 23 SAN-2 O S V See NOTE 2 24 Field separator M S

35、 F 1 25 Relay marker M S F 1 26 CCD M D F 6 See NOTE 3 27 Additional data O D V See NOTE 2 28 End sentinel M S F 1 29 LRC M D F 1 Maximum 107 NOTE 1 Dynamic fields shall be updated as appropriate by interchange partners. Static fields shall be updated by the card issuer only. NOTE 2 The total number

36、 of characters in track 3 shall not exceed 107. NOTE 3 If not used, replace by one field separator. BSI 2006 BS ISO/IEC:20064 Table 2 Track 3 information layout for format code 02 Field No. Content M = Mandatory O = Optional D = Dynamic S = Static (See NOTE 1) F = Fixed V = Variable Length 1 Start s

37、entinel M S F 1 2 Format code M S F 2 3 Primary account number: PAN O S V Max 19 4 Field separator M S F 1 5 Country code M S F 1 6 Currency M S F 3 7 Currency exponent M S F 1 8 Amount authorized per cycle period M S F 4 9 Amount remaining this cycle M D F 4 10 Cycle begin M D F 4 11 Cycle length M

38、 S F 2 12 Retry count M D F 1 13 PINPARM M S F 6 See NOTE 3 14 Interchange control M S F 1 15 Type of account and service restriction (PAN) M S F 2 16 TA and SR (SAN-1) M S F 2 17 TA and SR (SAN-2) M S F 2 18 Expiry date M S F 4 See NOTE 3 19 Card sequence number M S F 1 20 Card security number M D

39、F 9 See NOTE 3 21 SAN -1 O S V See NOTE 2 22 Field separator M S F 1 23 SAN-2 O S V See NOTE 2 24 Field separator M S F 1 25 Relay marker M S F 1 26 CCD M D F 6 27 Additional data See NOTE 3 27.1 Transaction date M D F 4 See NOTE 3 27.2 Additional verification value M S F 8 See NOTE 3 27.3 Alternati

40、ve card sequence number O S F 3 See NOTE 4 27.4 International network identification code M S F 3 See NOTE 3 27.5 Discretionary data O D V See NOTE 2 28 End sentinel M S F 1 29 LRC M D F 1 Maximum 107 NOTE 1 Dynamic fields shall be updated as appropriate by interchange partners. Static fields shall

41、be updated by the card issuer only. NOTE 2 The total number of characters in track 3 shall not exceed 107. NOTE 3 If not used, replace by one field separator. NOTE 4 A field separator in field 19 indicates that this field is present. BSI 2006 BS ISO/IEC:20065 8.1 Field 1: start sentinel Purpose : To

42、 identify the start of data. The start sentinel is the first data character encoded on the track. Format : One character. Content : See ISO/IEC 7811-2 and ISO/IEC 7811-6. 8.2 Field 2: format code Purpose : To identify the data format on track 3. Format : Two digits. Content : 00 - Invalid for intern

43、ational interchange. 01 - The layout shall conform to Table 1 of this International Standard. 02 - The layout shall conform to Table 2 of this International Standard. 03-89 Reserved for future use by ISO. 90-99 - Available for use by individual card issuers but not for international interchange. 8.3

44、 Field 3: primary account number (PAN) Purpose : To identify the card issuer to which the transaction is to be routed and to identify the card holder. Format : As defined in 3.7 of this International Standard, and in ISO/IEC 7812 Content : Issuer identification - 6 digits Individual account identifi

45、cation variable up to 12 digits. Check digit - 1 digit In dual track operation, where the PAN is encoded on track 2, the encoding of PAN on track 3 is optional. 8.4 Field 4: field separator (FS) Purpose : To indicate the end of the PAN, whether PAN is encoded or not. Format : One character. Content

46、: See ISO/IEC 7811-2 and ISO/IEC 7811-6. 8.5 Field 5: country code Purpose : Deprecated. Previously used by ISO 4909:1987 for Country Code. Format : One-character Content : FS - See ISO/IEC 7811-2 and ISO/IEC 7811-6. 8.6 Field 6: currency Purpose : To denote the type of currency to be employed when

47、calculating for update. Format : Three digits. Content : Three zeros in the currency field indicate that the card is not available for international interchange. All other codes shall signify the numeric currency code contained in ISO 4217. BSI 2006 BS ISO/IEC:20066 8.7 Field 7: currency exponent Pu

48、rpose : To determine the base value of the amount authorized and amount remaining fields. Format : One digit. Content : A digit denoting the number of times the contents of the amount authorized and the amount remaining fields must be multiplied by 10 to express the value in the major currency unit

49、of the currency. EXAMPLE If the currency exponent is 0, the value is equal to the content. If the currency exponent is 1, the value is the content multiplied by 10. If the currency exponent is 2, the value is the content multiplied by 100. Thus 1 000 units can be expressed as 1 000 with currency exponent = 0, as 100 with currency exponent = 1, and as 10 with currency exponent = 2. 8.8 Field 8: amount authorized per cycle period Purp