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1、BRITISH STANDARD BS ISO/IEC 4909:2006 Identification cards Financial transaction cards Magnetic stripe data content for track 3 ICS 35.240.15 ? Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI BS ISO/IEC 4909:2006 This British Standard was pu
2、blished under the authority of the Standards Policy and Strategy Committee on 30 November 2006 BSI 2006 ISBN 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 It supersedes BS ISO 4909:2000 which is withdrawn.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 partici
3、pation in its preparation was entrusted to Technical Committee IST/17, Cards and personal identification. A list 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 resp
4、onsible for its correct application. Compliance with a British Standard cannot confer immunity from legal obligations. Amendments issued since publication Amd. No. DateComments Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI Reference number
5、 ISO/IEC 4909:2006(E) ISO/IEC 2006 INTERNATIONAL STANDARD ISO/IEC 4909 First edition 2006-07-01 Identification cards Financial transaction cards Magnetic stripe data content for track 3 Cartes didentification Cartes de transactions financires Contenu des donnes de plage magntique pour la piste 3 BS
6、ISO/IEC:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ii Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI iii Contents Page Foreword iv Introduction v 1 Scope . 1 2 Normative r
7、eferences. 1 3 Terms and definitions. 1 4 Physical characteristics of the card . 2 5 Location and dimensions of embossed data. 2 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 Dat
8、a 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 Field 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 .
9、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 count 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 res
10、triction (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 restrictions 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 accoun
11、t 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 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、. 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 Field 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
13、 (LRC) 13 Bibliography. 14 BSI 2006 BS ISO/IEC:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI iv Foreword ISO (the International Organization for Standardization) and IEC (the International Electrotechnical Commission) form the special
14、ized 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 particular fields of technical activity. ISO and IEC technical comm
15、ittees 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 established a joint technical committee, ISO/IEC JTC 1. Internation
16、al 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 technical committee are circulated to national bodies for voting. Pu
17、blication 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 and IEC shall not be held responsible for identifying any or all
18、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 edition of ISO 4909:2000, which has been technically revised. BSI
19、 2006 BS ISO/IEC:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI v 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
20、/IEC 7813. This approach is intended to permit 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 r
21、equires 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 on mutual agreem
22、ent 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. BSI 2006 BS ISO/IEC:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI blank Licensed Cop
23、y: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI 1 Identification cards Financial transaction cards Magnetic stripe data content for track 3 1 Scope This International Standard establishes specifications for financial transaction cards using track 3 and
24、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 ISO/IEC 7812. 2 Normative references The fo
25、llowing 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, Codes for the representation of currencies an
26、d 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 management and security Part 2: Approved
27、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 for a transaction 3.2 check digit check d
28、igit 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 7812 BSI 2006 BS ISO/IEC:2006 Licensed Copy:
29、 sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI 2 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 o
30、f identity 3.7 primary account number PAN number containing a maximum 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)
31、3.8 SAN-1 first optional subsidiary account identification held in 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 i
32、n ISO/IEC 7810. 5 Location and dimensions of embossed data If present, 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 th
33、e magnetic material shall conform in all respects to the requirements 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/I
34、EC 7811-6. 7 Encoding specifications Encoding specifications shall conform in all respects to the requirements of ISO/IEC 7811-2 and ISO/IEC 7811-6. BSI 2006 BS ISO/IEC:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI 3 8 Data content of
35、 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/IEC 7811. Table 1 Track 3 information layout for format code 01 Field No. Content M = Mandatory O = Optional D = Dynamic S = St
36、atic (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 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 t
37、his 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 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
38、 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 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
39、 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 of characters in track 3 shall not exceed 107. NOTE 3 If not used, replace by one field separator. BSI 2006 BS ISO/IEC:2006
40、Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI 4 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 sentinel M S F 1 2
41、 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 S F 2 12 Retry c
42、ount 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 F 9 See NOTE 3 21
43、 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 Alternative card sequence
44、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 be updated by the
45、 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:2006 Licensed Copy: sheffieldun sheffieldun, na, Tue Nov 21 05:
46、54:13 GMT+00:00 2006, Uncontrolled Copy, (c) BSI 5 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 : See ISO/IEC 7811-2 and ISO/IEC 7811-6. 8.2 Field 2: format code Purpose : To
47、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 use by ISO. 90-9
48、9 - Available for use by individual card issuers but not for international interchange. 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 : As defined in 3.7 of this International Standard,
49、 and in ISO/IEC 7812 Content : Issuer identification - 6 digits Individual account identification 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 : See ISO/IEC 7811-2 and ISO/IEC 7811-6. 8.5 Field 5: