ISO/IEC 7813
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ISO/IEC 7813 is an international standard codified by the International Organization for Standardization and International Electrotechnical Commission that defines properties of financial transaction cards, such as ATM or credit cards.[1]
Contents
Scope[edit]
The standard defines:[citation needed]
- physical characteristics, such as size, shape, location of magnetic stripe, etc.
- magnetic track data structures
Physical characteristics[edit]
ISO/IEC 7813 specifies the following physical characteristics of the card, mostly by reference to other standards:[citation needed]
- Embossed characters
- by reference to ISO/IEC 7811
- Embossing of expiration date
- the format (MM/YY or MM-YY)
- Magnetic stripe
- by reference to ISO/IEC 7811
- Integrated circuit with contacts
- by reference to ISO/IEC 7816-1
- Integrated circuit without contacts
- by reference to ISO/IEC 10536-1, ISO/IEC 14443-1, and ISO/IEC 15693-1
Magnetic tracks[edit]
Track 1[edit]
The Track 1 structure is specified as:[citation needed]
- STX : Start sentinel "%"
- FC : Format code "B" (The format described here. Format "A" is reserved for proprietary use.)
- PAN : Primary Account Number, up to 19 digits
- FS : Separator "^"
- NM : Name, 2 to 26 characters (including separators, where appropriate, between surname, first name etc.)
- FS : Separator "^"
- ED : Expiration data, 4 digits or "^"
- SC : Service code, 3 digits or "^"
- DD : Discretionary data, balance of characters
- ETX : End sentinel "?"
- LRC : Longitudinal redundancy check, calculated according to ISO/IEC 7811-2
The maximum record length is 79 alphanumeric characters.
Examples[edit]
%B4815881002861896^YATES/EUGENE JOHN ^37829821000123456789?
%B4815881002861896^YATES/EUGENE L ^^^0000000 00998000000?
Track 2[edit]
The Track 2 structure is specified as:[citation needed]
- STX : Start sentinel ";"
- PAN : Primary Account Number, up to 19 digits, as defined in ISO/IEC 7812-1
- FS : Separator "="
- ED : Expiration date, YYMM or "=" if not present
- SC : Service code, 3 digits or "=" if not present
- DD : Discretionary data, balance of available digits
- ETX : End sentinel "?"
- LRC : Longitudinal redundancy check, calculated according to ISO/IEC 7811-2
The maximum record length is 40 numeric digits (e.g., 5095700000000).[citation needed]
Track 3[edit]
Track 3 is virtually unused by the major worldwide networks and often isn't even physically present on the card by virtue of a narrower magnetic stripe.[citation needed]
A notable exception to this is Germany, where Track 3 content was used nationally as the primary source of authorization and clearing information for debit card processing prior to the adoption of the "SECCOS" ICC standards. Track 3 is standardized nationally to contain both the cardholder's bank account number and branch sort code (BLZ).[citation needed]
Programming[edit]
Parsing Track 1 and Track 2 can be done with Regular Expressions. Included here is just the Regular Expression for parsing Track 1.[citation needed]
Track 1[edit]
^%([A-Z])([0-9]{1,19})\^([^\^]{2,26})\^([0-9]{4}|\^)([0-9]{3}|\^)([^\?]+)\?$
This Regex will capture all of the important fields into the following groups:[citation needed]
- Group 1: Format Code
- Group 2: Primary account number (PAN)
- Group 3: Name
- Group 4: Expiration Date
- Group 5: Service Code
- Group 6: Discretionary data