BS ISO IEC 7813-2006 Information technology - Identification cards - Financial transaction cards《信息技术 身份证 金融交易卡》.pdf

1、BRITISH STANDARD BS ISO/IEC 7813:2006 Information technology Identification cards Financial transaction cards ICS 35.240.15 BS ISO/IEC 7813:2006 This British Standard was published under the authority of the Standards Policy and Strategy Committee on 30 November 2006 BSI 2006 ISBN 0 580 49487 X Nati

2、onal foreword This British Standard was published by BSI. It is the UK implementation of ISO/IEC 7813:2006. It supersedes BS ISO/IEC 7813:2001 which is withdrawn. The UK participation in its preparation was entrusted to Technical Committee IST/17, Cards and personal identification. A list of organiz

3、ations 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 obligations. Amen

4、dments issued since publication Amd. No. Date Comments Reference number ISO/IEC 7813:2006(E)INTERNATIONAL STANDARD ISO/IEC 7813 Sixth edition 2006-07-01 Information technology Identification cards Financial transaction cards Technologies de linformation Cartes didentification Cartes de transactions

5、financires BS ISO/IEC 7813:2006ii iii Foreword ISO (the International Organization for Standardization) and IEC (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

6、International Standards through technical committees established by the respective organization to deal with particular fields of technical activity. ISO and IEC technical committees collaborate in fields of mutual interest. Other international organizations, governmental and non-governmental, in li

7、aison with ISO and IEC, also take part in the work. In the field of information technology, ISO and IEC have established 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 te

8、chnical committee is to prepare International Standards. Draft International Standards adopted by the joint technical 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 i

9、s drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO and IEC shall not be held responsible for identifying any or all such patent rights. ISO/IEC 7813 was prepared by Joint Technical Committee ISO/IEC JTC 1, Information technology, Subcommitt

10、ee SC 17, Cards and personal identification. This sixth edition cancels and replaces the fifth edition (ISO/IEC 7813:2001), which has been technically revised. BS ISO/IEC 7813:2006iv Introduction This International Standard is one of a series of standards describing the parameters for identification

11、 cards and the use of such cards for international interchange. This International Standard addresses the structure and data content of financial transaction cards. BS ISO/IEC 7813:20061 Information technology Identification cards Financial transaction cards 1 Scope This International Standard speci

12、fies the data structure and data content of track data used to initiate financial transactions. It takes into consideration both human and physical aspects and states minimum requirements of conformity. It references layout, recording techniques, numbering systems, registration procedures, but not s

13、ecurity requirements. ISO/IEC 10373 specifies the test procedures used to check ID-1 cards against the parameters specified in this International Standard. 2 Conformance A financial transaction card is in conformance with this International Standard if it meets all mandatory requirements specified h

14、erein. A prerequisite for conformance with this International Standard is conformance with ISO 4909, ISO/IEC 7810, ISO/IEC 7811, ISO/IEC 7812, ISO/IEC 7816, ISO/IEC 10536, ISO/IEC 14443 and ISO/IEC 15693, where appropriate. 3 Normative references The following referenced documents are indispensable

15、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/IEC 4909:2006, Identification cards Financial transaction cards Magnetic stripe data content for t

16、rack 3 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/IEC 7816 (all parts), Identification cards Integrated circuit cards ISO/IEC 10373 (all pa

17、rts), Identification cards Test methods ISO/IEC 10536 (all parts), Identification cards Contactless integrated circuit(s) cards ISO/IEC 14443 (all parts), Identification cards Contactless integrated circuit(s) cards Proximity cards ISO/IEC 15693 (all parts), Identification cards Contactless integrat

18、ed circuit(s) cards Vicinity cards BS ISO/IEC 7813:20062 4 Terms and definitions For the purposes of this document, the following terms and definitions apply. 4.1 automated teller machine ATM unattended electronic device that requires a customer verification method such as a card and personal identi

19、fication number (PIN) to perform basic bank teller functions such as accepting deposits, cash withdrawal, account transfers, loan payments and balance enquiries 4.2 cash disbursement action of withdrawing cash with a financial transaction card, either as a cash withdrawal at an ATM, a cash advance o

20、r as a cashback transaction at the point of sale 4.3 financial transaction card any carrier of track data which contains issuer and cardholder information used to facilitate financial transactions by providing the necessary data content for processing such transactions 4.4 goods and services range o

21、f financial transactions excluding cash disbursements 4.5 personal identification number PIN code or password that the cardholder possesses for verification of identity 4.6 PIN Entry Device PED device into which the cardholder enters the PIN NOTE Also called a PIN pad (see ISO 9564). 4.7 service cod

22、e three-digit numeric value used to indicate the issuers transaction acceptance parameters for the card 4.8 track data mandatory and optional data elements defined for track 1 or track 2 (see Clause 7) NOTE Track data may be on the magnetic stripe of a physical card, or be contained within an integr

23、ated circuit or other media. BS ISO/IEC 7813:20063 5 Abbreviated terms For the purposes of this document, the following abbreviations apply. EMV Europay, MasterCard, Visa ICC Integrated circuit card ID-1 Identification Card-1 (see ISO/IEC 7810) IIN Issuer Identification Number PAN Primary Account Nu

24、mber PED PIN Entry Device PIN Personal Identification Number 6 Physical characteristics for ID-1 cards 6.1 Embossed characters The requirements for embossed characters are specified in ISO/IEC 7811. The embossed characters shall be on the front of the card, which is on the opposite side of the card

25、from that with the magnetic stripe (when present). 6.2 Embossing of expiration date When this field is embossed, it shall be in the format of the two-digit representation of the month (MM) followed by the last two digits of the year (YY). Separator character(s) shall be used to segregate the fields,

26、 for example MM/YY or MM-YY. 6.3 Magnetic stripe If present, the magnetic stripe shall be located on the back of the card. Location and encoding techniques shall be as specified in the appropriate part of ISO/IEC 7811. 6.4 Integrated circuit with contacts An ICC with contacts shall comply with the p

27、hysical characteristics for ICCs as defined in ISO/IEC 7816-1. 6.5 Integrated circuit without contacts An ICC without contacts shall conform to ISO/IEC 10536-1, ISO/IEC 14443-1 or ISO/IEC 15693-1, as applicable. 7 Track data structure and information content 7.1 Track 1 structure and information con

28、tent 7.1.1 Structure A Reserved for proprietary use of card issuer. BS ISO/IEC 7813:20064 7.1.2 Structure B Table 1 Track 1 structure Symbol Description Character code / Number of characters STX Start sentinel % FC Format code B PAN Primary Account Number (see 7.4.1) up to 19 digits FS Separator NM

29、Name (see 7.4.2) surname surname separator first name or initial space when required middle name or initial period (when followed by title) title (when used) 2 to 26 characters / space . FS Separator ED Expiration date (see 7.4.3) four digits or SC Service code (see 7.4.4) three digits or DD Discret

30、ionary data balance of characters ETX End sentinel ? LRC Longitudinal redundancy check (see ISO/IEC 7811-2) 1 character Maximum record length 79 alphanumeric characters 7.1.2.1 Character codes Character codes are based on a 7 bit modified ASCII format and are described in the appropriate section of

31、the magnetic stripe parts of ISO/IEC 7811. Identical codes are used in each part of ISO/IEC 7811. 7.2 Track 2 structure and information content Table 2 Track 2 structure Symbol Description Character code / Number of characters STX Start sentinel ; PAN Primary Account Number (see 7.4.1) up to 19 digi

32、ts FS Separator = ED Expiration date (see 7.4.3) four digits or = SC Service code (see 7.4.4) three digits or = DD Discretionary data balance of available digits ETX End sentinel ? LRC Longitudinal redundancy check (see ISO/IEC 7811-2) 1 digit Maximum record length 40 numeric digits BS ISO/IEC 7813:

33、20065 7.2.1 Character codes Character codes are based on a 5 bit modified ASCII format and are described in the appropriate section of the magnetic stripe parts of ISO/IEC 7811. Identical codes are used in each part of ISO/IEC 7811. 7.3 Track 3 structure and information content Where present, the st

34、ructure and information content of track 3 shall be as defined in ISO 4909. 7.4 Data elements 7.4.1 Primary Account Number The Primary Account Number (PAN) comprises a six-digit Issuer Identification Number (IIN), a variable length (maximum 12 digits) individual account number and a check digit, and

35、 is as defined in ISO/IEC 7812-1. ISO/IEC 7812-2 describes the application and registration procedures for IINs. 7.4.2 Name Minimum encoded data shall be a single alpha character (as surname) and the surname separator. The space character is required to separate the logical elements of the name fiel

36、d other than the surname. The separator terminating the name field should be encoded following the last logical element of the name field. If only the surname is encoded, the Field Separator (FS) will follow the surname separator. 7.4.3 Expiration date Format YYMM, where YY represents the last two d

37、igits of the year and MM is the numeric representation of the month. 7.4.4 Service code The service code is a numeric field with three sub-fields represented by individual digits. It is used to indicate the issuers acceptance criteria for magnetic stripe transactions and whether a related integrated

38、 circuit supporting the equivalent application as identified by the magnetic stripe or embossing is present on the card. Each sub-field is identified by its position (position 1, 2 and 3) and operates independently, allowing judgements on its separate functions. Terminals and other card-accepting de

39、vices act on each sub-field individually (see Table 3). BS ISO/IEC 7813:20066 7.5 Service code assignments Table 3 Service code assignments Value Position 1 Position 2 Position 3 Interchange Technology Authorization processing Allowed services PIN requirements 0 Normal eNo restrictions PIN required

40、1 International a No restrictions 2 International aIntegrated circuit card bBy issuer fGoods and services only 3 ATM only PIN required 4 By issuer funless explicit bilateral agreement applies Cash only 5 National c Goods and services only PIN required 6 National cIntegrated circuit card b No restric

41、tions Prompt for PIN if PED present g7 Private d Goods and services only Prompt for PIN if PED present g8 9 Test NOTE All undefined values are reserved for future use by ISO. aPosition 1, values 1 and 2 indicate international interchange. bPosition 1, values 2 and 6 indicate that the card contains a

42、n integrated circuit and that the financial transaction shall be processed from the integrated circuit, if feasible. cPosition 1, values 5 and 6 indicate interchange only in the country of issue, although specific bilateral agreements may override this restriction. dPosition 1, value 7 indicates pri

43、vate use, although specific bilateral agreements may override this restriction. ePosition 2, value 0 indicates that transactions are authorized according to the requirements specified in the merchant agreement and/or the card schemes established rules governing acceptance at the particular point of

44、sale. fPosition 2, values 2 and 4 indicate that transactions are processed online and approved by the issuer or the issuers processing agent. gPosition 3, values 6 and 7 indicate that merchants are to follow the rules in their merchant agreements and/or the card schemes established rules if the PED

45、is inoperable, or in the case where the PIN prompt was given but the PIN was not supplied by the cardholder. 8 Integrated circuit structure and information content The structure and general information content of an integrated circuit card are defined in ISO/IEC 7816, which contains a number of opti

46、ons; for interoperability, it is strongly recommended that implementers of financial applications on ICCs follow the EMV specification, where possible. BS ISO/IEC 7813:20067 Bibliography 1 EMV Integrated Circuit Card (ICC) Specifications for Payment Systems: Book 1 - Application Independent ICC to T

47、erminal Interface Requirements Book 2 - Security and Key Management Book 3 - Application Specification Book 4 - Cardholder, Attendant, and Acquirer Interface Requirements See http:/ BS ISO/IEC 7813:2006BS ISO/IEC 7813:2006 BSI 389 Chiswick High Road London W4 4AL BSI British Standards Institution BS

48、I is the independent national body responsible for preparing British Standards. It presents the UK view on standards in Europe and at the international level. It is incorporated by Royal Charter. Revisions British Standards are updated by amendment or revision. Users of British Standards should make

49、 sure that they possess the latest amendments or editions. It is the constant aim of BSI to improve the quality of our products and services. We would be grateful if anyone finding an inaccuracy or ambiguity while using this British Standard would inform the Secretary of the technical committee responsible, the identity of which can be found on the inside front cover.