ANSI ASC X9 X9.107-2003 Bank cards Magnetic stripe data content for track 3 (ISO 4909-2000).pdf

1、 ASC X9, Inc. 2003 All rights reserved American National Standard forFinancial ServicesX9.107-2003Identical to ISO 4909-2000Bank cards Magnetic stripe data content for track 3 Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: 12/17/2003 American National Sta

2、ndards Institute ANS X9.107:2003 Identical to ISO 4909:2000(E) ii ASC X9, Inc. 2003 All rights reservedANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved iiiContents Page Foreword v Introduction.vi 1 Scope.1 2 Normative references .1 3 Terms and definitions.3 4 Physi

3、cal characteristics of the card 3 5 Location and dimensions of embossed data4 6 Physical and performance characteristics of the magnetic material4 6.1 Physical characteristics .4 6.2 Performance characteristics4 7 Encoding specifications.4 8 Data content of track 3 .4 8.1 Field 1: start sentinel 4 8

4、.2 Field 2, format code 4 8.3 Field 3: primary account number (PAN)5 8.4 Field 4: field separator (FS)5 8.5 Field 5: country code5 8.6 Field 6: currency .5 8.7 Field 7: currency exponent.5 8.8 Field 8: amount authorized per cycle period 7 8.9 Field 9: amount remaining this cycle 7 8.10 Field 10: cyc

5、le begin.7 8.11 Field 11: cycle length7 8.12 Field 12: retry count8 8.13 Field 13: personal identification number control parameters (PINPARM)8 8.14 Field 14: interchange control .9 8.15 Field 15: type of account (TA) and service restriction (SRI) PAN 9 8.16 Field 16: type of account and service res

6、trictions - SAN-110 8.17 Field 17: type of account and services restrictions SAN-2.11 8.18 Field 18: expiry date11 8.19 Field 19: card sequence number .11 8.20 Field 20: card security number 11 8.21 Field 21: first subsidiary account number (SAN-1) 12 8.22 Field 22: field separator12 8.23 Field 23:

7、second subsidiary account number (SAN-2).12 8.24 Field 24: field separator12 8.25 Field 25: relay marker .12 8.26 Field 26: crypto check digits (CCD).13 8.27 Field 27: additional data .13 8.28 Field 28: end sentinel14 8.29 Field 29: longitudinal redundancy check (LRC) .14 ANS X9.107:2003 Identical t

8、o ISO 4909:2000(E) iv ASC X9, Inc. 2003 All rights reserved Annex A (normative) Primary account number formats .19 ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved vForeword Approval of an American National Standard requires verification by ANSI that the requiremen

9、ts for due process, consensus, and other criteria for approval have been met by the standards developer. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement m

10、eans much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect p

11、reclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretatio

12、n of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name ap

13、pears on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the

14、 date of approval. Published by: Accredited Standards Committee X9, Incorporated Financial Industry Standards P.O. Box 4035 Annapolis, MD 21403 USA X9 Online http:/www.x9.org Copyright 2003 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic

15、retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. ANS X9.107:2003 Identical to ISO 4909:2000(E) vi ASC X9, Inc. 2003 All rights reserved Introduction This International Standard recognizes the need for formats of track 3 whic

16、h can be used independently of, or in conjunction with, track 2 as defined in ISO 7813. This approach is intended to permit the greatest degree of flexibility within the financial community in facilitating international interchange. ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All

17、 rights reserved 1Bank cards Magnetic stripe data content for track 3 1 Scope This International Standard establishes specifications for cards issued by or acceptable to the banking industry and is intended to permit interchange based on the use of magnetic stripe encoded information. It specifies t

18、he data content and physical location of read/write information on track 3 and is to be used in conjunction with the relevant parts of those documents quoted in clause 2. Using track 3 in conjunction with track 2 is a mode of operation in both on-line and off-line interchange environments. This mode

19、 of operation requires that the original encoded data on 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 o

20、n mutual agreement between interested parties. It requires reading only of the data on track 3 and, if update is required, the rewriting of all the data on track 3. 2 Normative references The following normative documents contain provisions which, through reference in this text, constitute provision

21、s of this International Standard. For dated references, subsequent amendments to, or revisions of, any of these publications do not apply. However, parties to agreements based on this International Standard are encouraged to investigate the possibility of applying the most recent editions of the nor

22、mative documents indicated below. For undated references, the latest edition of the normative document referred to applies. Members of ISO and IEC maintain registers of currently valid International Standards. ISO 3166 (all parts), Codes for the representation of names of countries and their subdivi

23、sions. ISO 4217, Codes for the representation of currencies and funds. ISO 7810, Identification cards Physical characteristics. ISO/IEC 7811-1, Identification cards Recording technique Part 1: Embossing. ISO/IEC 7811-2, Identification cards Recording technique Part 2: Magnetic stripe. ISO/IEC 7811-3

24、, Identification cards Recording technique Part 3: Location of embossed characters on ID-1 cards. ISO/IEC 7811-4, Identification cards Recording technique Part 4: Location of read-only magnetic tracks Tracks 1 and 2. ISO/IEC 7811-5, Identification cards Recording technique Part 5: Location of read-w

25、rite magnetic track Track 3. ANS X9.107:2003 Identical to ISO 4909:2000(E) 2 ASC X9, Inc. 2003 All rights reservedISO 7812 (all parts), Identification cards Identification of issuers. ISO 7813, Identification cards Financial transaction cards. ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, In

26、c. 2003 All rights reserved 33 Terms and definitions For the purposes of this International Standard, the following terms and definitions apply. 3.1 bank card financial transaction card generally used to identify parties to a financial transaction, and to provide input data for a transaction 3.2 cyc

27、le period fixed or predetermined period of time qualifying the validity of certain transactions 3.3 PAN primary account number assigned number that identifies the card issuer and card holder and is composed of an issuer identification, individual account identification, and an accompanying check dig

28、it, as specified in ISO 7812, and supplemented by annex A of this International Standard NOTE The PAN is equivalent to the identification number as defined in ISO 7812. 3.3.1 issuer identification major industry identifier and issuer identifier as described in ISO 7812 and annex A of this Internatio

29、nal Standard 3.3.2 individual account identification individual account identification as described in ISO 7812, and annex A of this International Standard 3.3.3 check digit check digit character as described in annex C to ISO 7812, and annex A of this International Standard 3.4 SAN-1 first optional

30、 subsidiary account identification held in addition to PAN (see 8.21) 3.5 SAN-2 second optional subsidiary account identification held in addition to PAN and SAN-1 (see 8.23) 3.6 PIN personal identification number secret code used by a cardholder to authenticate card ownership 4 Physical characteris

31、tics of the card The card shall conform in all respects to the specifications in ISO 7810. ANS X9.107:2003 Identical to ISO 4909:2000(E) 4 ASC X9, Inc. 2003 All rights reserved5 Location and dimensions of embossed data If present, all embossed data on the card shall conform to the specifications in

32、ISO 7811-3. 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 requirements of ISO 7811-2. 6.2 Performance characteristics The performance characteris

33、tics of the magnetic materials for the card shall conform in all respects to the specifications contained in ISO 7811-2. 7 Encoding specifications Encoding specifications shall conform in all respects to the requirements of ISO 7811-2. 8 Data content of track 3 The sequence and length of data fields

34、 shall be in accordance with Table 1 or 2 and with 8.1 to 8.29. 8.1 Field 1: start sentinel Purpose: To identify the start of data. The start sentinel is the first data character encoded on the track. Format: One character. Content: Row 11 of 9.2.2 of ISO 7811-2. 8.2 Field 2, format code Purpose: To

35、 identify the data format on track 3. Format: Two digits. Content: 00 - Invalid for international 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 allocation by ISO

36、/TC 68. 90-99 - Available for use by individual card issuers but not for international interchange. Card issuers wishing to use codes in the range 03-89 shall apply, through their national standards organization, to ISO/TC 68. ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All right

37、s reserved 58.3 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 3.3 of this International Standard, and as further described in the annex. Content: Issuer identification variabl

38、e from 3 to 11 characters. Individual account identification up to 23 characters. Check digit 1 character. In dual track operation, where the PAN is encoded on track 2, then the encoding of PAN on track 3 is optional. Where PAN is encoded on track 3, it is essential that all the components appear. 8

39、.4 Field 4: field separator (FS) Purpose: To indicate the end of the PAN (field 3), whether PAN is encoded or not. Format: One character. Content: Row 13 of 9.2.2 of ISO 7811-2. 8.5 Field 5: country code Purpose: To identify the country to which transaction data generated by the card shall be routed

40、. Format: Three digits in the form CCC, where present, or a one-character FS. Content: CCC - To conform with ISO 3166 for the designation of numeric country code. FS - Row 13 of 9.2.2 of ISO 7811-2 indicates that no country code is present. Cards encoded in accordance with this edition of ISO 4909 s

41、hall contain only an FS in field 5. Cards encoded in accordance with ISO 4909:1987 may contain CCC. 8.6 Field 6: currency Purpose: To denote the type of currency to be employed when calculating for update. Format: Three digits. Content: Three zeros in the currency field indicate that the card is not

42、 available for international interchange. All other codes shall signify the numeric currency code contained in ISO 4217. 8.7 Field 7: currency exponent Purpose: To determine the base value of the amount authorized (8.8) and amount remaining (8.9) fields. Format: One digit. ANS X9.107:2003 Identical

43、to ISO 4909:2000(E) 6 ASC X9, Inc. 2003 All rights reservedContent: A digit denoting the number of times the contents of the amount authorized (8.8) and the amount remaining (8.9) fields must be multiplied by 10 to express the value in the major currency unit of the currency specified in 8.6. EXAMPL

44、E 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 lira can be expressed as 1 000 with currency exponent = 0, as 100 with c

45、urrency exponent = 1, and as 10 with currency exponent = 2. ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved 78.8 Field 8: amount authorized per cycle period Purpose: To denote the amount which is used to reset the amount remaining (8.9). Format: Four digits. Conte

46、nt: All zeros indicate that no debits are permitted. 8.9 Field 9: amount remaining this cycle Purpose: To denote the remaining available balance of amount authorized for the current cycle period. It is expressed as the nearest unit of the currency in the amount authorized field (8.8). Format: Four d

47、igits. Content: On the first use after the commencement of each new cycle period, this field shall be reset to the value shown in the amount authorized field (8.8). Thereafter it shall contain the amount remaining this cycle. 8.10 Field 10: cycle begin Purpose: To denote the date on which a new cycl

48、e period begins. This field may also be used to define the date on which the card becomes valid. Format: Four digits in the form YDDD, where: Y is the least significant digit of the year; DDD is the sequential number of the day within the year in the range 001 to 366. Content: The field shall be upd

49、ated to the current date when the value of the cycle begin field plus the value of the cycle length field (8.1) is less than or equal to the current date, unless the cycle length field (8.11) is set in the range 80-99. 8.11 Field 11: cycle length Purpose: To denote the period of time during which the accumulated sum of all debit transactions shall not exceed the amount authorized (8.8). Format: Two digits. Content: 00 - A card on which the amount remaining this cycle field shall be decremented b