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1、BRITISH STANDARD BS ISO 4909:2000 Incorporating Corrigenda Nos. 1 and 2 Bank cards Magnetic stripe data content for track 3 ICS 35.240.15 NO COPYING WITHOUT BSI PERMISSION EXCEPT AS PERMITTED BY COPYRIGHT LAW Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolle
2、d Copy, (c) BSI BS ISO 4909:2000 This British Standard, having been prepared under the direction of the DISC Board, was published under the authority of the Standards Committee and comes into effect on 15 October 2000 BSI 15 March 2002 ISBN 0 580 36527 1 National foreword This British Standard repro
3、duces verbatim ISO 4909:2000 and implements it as the UK national standard. It supersedes BS 7096:1990, which is withdrawn. The UK participation in its preparation was entrusted to Technical Committee IST/12, Banking, securities and other financial services, which has the responsibility to: A list o
4、f organizations represented on this committee can be obtained on request to its secretary. Cross-references The British Standards which implement international or European publications referred to in this document may be found in the BSI Standards Catalogue under the section entitled “International
5、Standards Correspondence Index”, or by using the “Find” facility of the BSI Standards Electronic Catalogue. A British Standard does not purport to include all the necessary provisions of a contract. Users of British Standards are responsible for their correct application. Compliance with a British S
6、tandard does not of itself confer immunity from legal obligations. aid enquirers to understand the text; present to the responsible international/European committee any enquiries on the interpretation, or proposals for change, and keep the UK interests informed; monitor related international and Eur
7、opean developments and promulgate them in the UK. Summary of pages This document comprises a front cover, an inside front cover, the ISO title page, pages ii to v, a blank page, pages 1 to 16, an inside back cover and a back cover. The BSI copyright date displayed in this document indicates when the
8、 document was last issued. Amendments issued since publication Amd. No. DateComments 13708 Corrigendum No. 1 27 February 2002Addition of supersession details. 13786 Corrigendum No. 2 15 March 2002Correction to front cover title Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:0
9、0 2006, Uncontrolled Copy, (c) BSI Reference number ISO 4909:2000(E) INTERNATIONAL STANDARD ISO 4909 Third edition 2000-07-01 Bank cards Magnetic stripe data content for track 3 Cartes bancaires Zone magntique Contenu en donnes de la piste 3 Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:
10、24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) ii Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) iii Contents Page Foreword.iv Introduction.v 1 Scope 1 2 Normative references1 3 Terms and definitions .2 4
11、 Physical characteristics of the card 2 5 Location and dimensions of embossed data2 6 Physical and performance characteristics of the magnetic material.3 6.1 Physical characteristics3 6.2 Performance characteristics 3 7 Encoding specifications .3 8 Data content of track 33 8.1 Field 1: start sentine
12、l.3 8.2 Field 2, format code.3 8.3 Field 3: primary account number (PAN)3 8.4 Field 4: field separator (FS) 4 8.5 Field 5: country code.4 8.6 Field 6: currency4 8.7 Field 7: currency exponent.4 8.8 Field 8: amount authorized per cycle period5 8.9 Field 9: amount remaining this cycle.5 8.10 Field 10:
13、 cycle begin5 8.11 Field 11: cycle length 5 8.12 Field 12: retry count 6 8.13 Field 13: personal identification number control parameters (PINPARM) 6 8.14 Field 14: interchange control7 8.15 Field 15: type of account (TA) and service restriction (SRI) PAN7 8.16 Field 16: type of account and service
14、restrictions - SAN-1.8 8.17 Field 17: type of account and services restrictions SAN-28 8.18 Field 18: expiry date 8 8.19 Field 19: card sequence number9 8.20 Field 20: card security number.9 8.21 Field 21: first subsidiary account number (SAN-1)9 8.22 Field 22: field separator 9 8.23 Field 23: secon
15、d subsidiary account number (SAN-2)10 8.24 Field 24: field separator 10 8.25 Field 25: relay marker10 8.26 Field 26: crypto check digits (CCD).10 8.27 Field 27: additional data10 8.28 Field 28: end sentinel 12 8.29 Field 29: longitudinal redundancy check (LRC).12 Annex A (normative) Primary account
16、number formats.15 Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) iv Foreword ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO member bodies). The work of p
17、reparing International Standards is normally carried out through ISO technical committees. Each member body interested in a subject for which a technical committee has been established has the right to be represented on that committee. International organizations, governmental and non-governmental,
18、in liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 3. Draft Inter
19、national Standards adopted by the technical committees are circulated to the member bodies for voting. Publication as an International Standard requires approval by at least 75 % of the member bodies casting a vote. Attention is drawn to the possibility that some of the elements of this Internationa
20、l Standard may be the subject of patent rights. ISO shall not be held responsible for identifying any or all such patent rights. International Standard ISO 4909 was prepared by Technical Committee ISO/TC 68, Banking, securities and other financial services, Subcommittee SC 6, Retail financial servic
21、es. This third edition cancels and replaces the second edition (ISO 4909:1987), of which it constitutes a minor revision. Annex A forms a normative part of this International Standard. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909
22、:2000(E) 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 7813. This approach is intended to permit the greatest degree of flexibility within the financial community in facilita
23、ting international interchange. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI INTERNATIONAL STANDARD ISO 4909:2000(E) 1 Bank cards M
24、agnetic 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 the data content and physical l
25、ocation 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 of operation requires that th
26、e 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 agreement between int
27、erested 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 provisions of this International Standa
28、rd. 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 normative documents indicated bel
29、ow. 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 subdivisions. ISO 4217, Codes for the
30、 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, Identification cards Recordi
31、ng 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-write magnetic track Track 3. I
32、SO 7812 (all parts), Identification cards Identification of issuers. ISO 7813, Identification cards Financial transaction cards. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) 2 3 Terms and definitions For the purposes of t
33、his 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 cycle period fixed or predetermined period of time qualifying the validity of
34、 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 digit, as specified in ISO 7812, and supplemented by annex A of this Internat
35、ional 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 id
36、entification 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
37、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 characteristics of the card The card shall conform in all respects to the specificati
38、ons in ISO 7810. 5 Location and dimensions of embossed data If present, all embossed data on the card shall conform to the specifications in ISO 7811-3. Licensed Copy: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) 3 6 Physical and perfor
39、mance 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 characteristics of the magnetic materials fo
40、r 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 shall be in accordance with Tabl
41、e 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 identify the data format on trac
42、k 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/TC 68. 90-99 - Available for use
43、 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. 8.3 Field 3: primary account number (PAN) Purpose: To identify the card issuer to which the transaction is
44、 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 variable from 3 to 11 characters. Individual account identification up to 23 characters. Check digit 1 character. Licensed Co
45、py: sheffieldun sheffieldun, na, Sat Nov 25 13:24:30 GMT+00:00 2006, Uncontrolled Copy, (c) BSI ISO 4909:2000(E) 4 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 a
46、ppear. 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 7811-2. 8.5 Field 5: country code Purpose: To identify the country to which transaction data generated by the card shall b
47、e 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 encoded in accordance with this edition of IS
48、O 4909 shall 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 car
49、d is not 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. Content: 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. EXAMPLE If the currency