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1、 ASC X9, Inc. 2003 All rights reserved American National Standard for Financial Services X9.107-2003 Identical to ISO 4909-2000 Bank cards Magnetic stripe data content for track 3 Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: 12/17/2003 American National
2、 Standards Institute Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical t
3、o ISO 4909:2000(E) ii ASC X9, Inc. 2003 All rights reserved Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license fro
4、m IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved iii Contents Page Foreword v Introduction.vi 1 Scope.1 2 Normative references .1 3 Terms and definitions.3 4 Physical characteristics of the card3 5 Location and dimensions of embossed data4 6 Physical an
5、d 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 sentinel4 8.2 Field 2, format code4 8.3 Field 3: primary account number (PAN)5 8.4 Field 4: field separ
6、ator (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: cycle begin.7 8.11 Field 11: cycle length7 8.12 Field 12: retry count8 8.13 Field 13: personal i
7、dentification 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 restrictions - SAN-110 8.17 Field 17: type of account and services restrictions SAN-2.11 8.18 Fie
8、ld 18: expiry date11 8.19 Field 19: card sequence number .11 8.20 Field 20: card security number11 8.21 Field 21: first subsidiary account number (SAN-1) 12 8.22 Field 22: field separator12 8.23 Field 23: second subsidiary account number (SAN-2).12 8.24 Field 24: field separator12 8.25 Field 25: rel
9、ay 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 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Y
10、okosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) iv ASC X9, Inc. 2003 All rights reserved Annex A (normative) Primary account number formats .19 Copyright American National S
11、tandards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights re
12、served v Foreword Approval of an American National Standard requires verification by ANSI that the requirements 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,
13、substantial agreement has been reached by directly and materially affected interests. Substantial agreement means 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 resoluti
14、on. The use of American National Standards is completely voluntary; their existence does not in any respect preclude 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 Americ
15、an National Standards Institute does not develop standards and will in no circumstances give an interpretation 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 Sta
16、ndards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears 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
17、require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the 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 A
18、SC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America. Copyright American National Standards Institute Provided by IHS un
19、der license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) vi ASC X9, Inc. 2003 All rights reserved Introduction This Internati
20、onal 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 7813. This approach is intended to permit the greatest degree of flexibility within the financial community in facilitating international interchange. Copyri
21、ght American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9,
22、Inc. 2003 All rights reserved 1 Bank 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.
23、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 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 environme
24、nts. This mode 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 inter
25、change based on 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, consti
26、tute provisions 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 editi
27、ons of the normative 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
28、 their subdivisions. 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.
29、ISO/IEC 7811-3, 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: Loca
30、tion of read-write magnetic track Track 3. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X
31、9.107:2003 Identical to ISO 4909:2000(E) 2 ASC X9, Inc. 2003 All rights reserved ISO 7812 (all parts), Identification cards Identification of issuers. ISO 7813, Identification cards Financial transaction cards. Copyright American National Standards Institute Provided by IHS under license with ANSI L
32、icensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved 3 3 Terms and definitions For the purposes of this In
33、ternational 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 cycle period fixed or predetermined period of time qualifying the validity of certa
34、in 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 digit, as specified in ISO 7812, and supplemented by annex A of this International
35、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 International Standard 3.3.2 individual account identification individual account identifi
36、cation 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 subsidiary account identification held in addition to PAN (see 8.21) 3.5 SAN-2
37、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 characteristics of the card The card shall conform in all respects to the specifications in
38、 ISO 7810. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909
39、:2000(E) 4 ASC X9, Inc. 2003 All rights reserved 5 Location and dimensions of embossed data If present, all embossed data on the card shall conform to the specifications in ISO 7811-3. 6 Physical and performance characteristics of the magnetic material 6.1 Physical characteristics The physical chara
40、cteristics and location of the magnetic material shall conform in all respects to the requirements of ISO 7811-2. 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 7811-2. 7 Enco
41、ding 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 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 d
42、ata. 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 identify the data format on track 3. Format: Two digits. Content: 00 - Invalid for international interchange. 01 - The layout
43、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/TC 68. 90-99 - Available for use by individual card issuers but not for international interchange. Card issuers wishing to use
44、 codes in the range 03-89 shall apply, through their national standards organization, to ISO/TC 68. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=USN Ship Repair Facility Yokosuka/9961031100 Not for Resale, 05/08/2007 22:12:41 MDTNo reproduction or
45、networking permitted without license from IHS -,-,- ANS X9.107:2003 Identical to ISO 4909:2000(E) ASC X9, Inc. 2003 All rights reserved 5 8.3 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: A
46、s defined in 3.3 of this International Standard, and as further described in the annex. Content: Issuer identification variable 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
47、the encoding of PAN on track 3 is optional. Where PAN is encoded on track 3, it is essential that all the components appear. 8.4 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
48、-2. 8.5 Field 5: country code Purpose: To identify the country to which transaction data generated by the card shall be routed. 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 enc