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ISO/IEC 7813: Wikis

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ISO/IEC 7813 is a standard that defines properties of financial transaction cards [1], eg ATM or credit cards.

The standard defines:

  • physical characteristics, eg size, shape, location of magnetic stripe etc
  • magnetic track data structures

Contents

Physical characteristics

ISO/IEC 7813 specifies the following physical characteristics of the card, mostly be reference to other standards:

Embossed characters 
by reference to ISO/IEC 7811
Embossing of expiration date 
the format, eg 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 or ISO/IEC 15693-1, as appropriate

Magnetic tracks

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Track 1

The Track 1 structure is specified as:

  • 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.

Track 2

The Track 2 structure is specified as:

  • 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.

References


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