ISO/IEC 7813

In today's world, ISO/IEC 7813 has become a relevant topic that arouses the interest of millions of people around the world. Over time, ISO/IEC 7813 has acquired increasing importance in different areas, from technology to culture, politics and society in general. The impact of ISO/IEC 7813 is undeniable and its influence is felt in all spheres of daily life. In this article, we will thoroughly explore the phenomenon of ISO/IEC 7813 and analyze its relevance in today's world.

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.

Scope

The standard defines:[citation needed]

  • physical characteristics, such as size, shape, location of magnetic stripe, etc.
  • magnetic track data structures

Physical characteristics

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

Track 1

Track 1 can store up to 79 alphanumeric characters. ISO 7813 specifies the following structure for track 1 data:

  • SS : Start sentinel "%"
  • FC : Format code "B" (The format described here. Format "A" is reserved for proprietary use.)
  • PAN : Payment card number 4400664987366029, up to 19 digits
  • FS : Field separator "^"
  • NM : Name, 2 to 26 characters (including separators, where appropriate, between surname, first name etc.)
  • FS : Field separator "^"
  • ED : Expiration data, 4 digits or "^"
  • SC : Service code, 3 digits or "^"
  • DD : Discretionary data, balance of characters
  • ES : End sentinel "?"
  • LRC : Longitudinal redundancy check, calculated according to ISO/IEC 7811-2

Examples

%B4815881002867896^YATES/EUGENE JOHN         ^37829821000123456789?

%B4815881002861896^YATES/EUGENE L            ^^^356858      00998000000?


Track 2

Track 2 can store up to 40 numeric or special characters; it uses a lower density magnetic encoding than Track 1 but a more compact character encoding. ISO 7813 specifies the following structure for track 2 data:

  • SS : Start sentinel ";"
  • PAN : Primary Account Number, up to 19 digits, as defined in ISO/IEC 7812-1
  • FS : Field 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
  • ES : End sentinel "?"
  • LRC : Longitudinal redundancy check, calculated according to ISO/IEC 7811-2

Track 3

Track 3 uses the same density as track 1 but has the same character encoding as track 2, allowing it to store 107 numeric characters. It is virtually unused by the major worldwide networks and often isn't present on payment cards.[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

Parsing Track 1 and Track 2 can be done with Regular Expressions.

Track 1

^%B({1,19})\^({2,26})\^({4}|\^)({3}|\^)(*)\?$

This Regex will capture all of the important fields into the following groups:[citation needed]

  • Group 1: Payment card number (PAN)
  • Group 2: Name (NM)
  • Group 3: Expiration Date (ED)
  • Group 4: Service Code (SC)
  • Group 5: Discretionary data (DD)

Track 2

^\;({1,19})\=({4}|\=)({3}|\=)(*)\?$

  • Group 1: Primary Account Number (PAN)
  • Group 2: Expiration date (ED)
  • Group 3: Service code (SC)
  • Group 4: Discretionary data (DD)

References

  1. ^ ISO/IEC 7813:2006 Information technology -- Identification cards -- Financial transaction cards
  2. ^ a b c "Magnetic stripe card standards" (PDF). MagTek. 2011. Archived (PDF) from the original on 20 August 2017. Retrieved 21 December 2023.

External links

Implementations