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ISO/IEC 7813

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]

Scope

The standard defines:

  • 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:

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

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.

Examples

%B4815881002861896^YATES/EUGENE JOHN         ^37829821000123456789?

%B4815881002861896^YATES/EUGENE L            ^^^0000000      00998000000?

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 (e.g., 5095700000000).

Track 3

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.

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).

Programming

Parsing Track 1 and Track 2 can be done with Regular Expressions. Included here is just the Regular Expression for parsing Track 1.

Track 1

^%B([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:

  • Group 1: Primary account number (PAN)
  • Group 2: Name
  • Group 3: Expiration Date
  • Group 4: Service Code
  • Group 5: Discretionary data
References
External links
Reference implementations
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ISO/IEC 7813

topic

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: 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: 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 The Track 1 structure is specified as: STX : Start sentinel "%" FC : Format code "B" (The format described here. Format "A" is reserved for proprietary ...more...



ISO/IEC 4909

topic

ISO/IEC 4909:2006 establishes specifications for financial transaction cards using track 3 and 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 . ISO/IEC 4909:2006 recognizes the need for formats of track 3 which can be used independently of, or in conjunction with, track 2 as defined in ISO/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 requires 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 ope ...more...



List of International Organization for Standardization standards

topic

This is a list of published International Organization for Standardization (ISO) standards and other deliverables. For a complete and up-to-date list of all the ISO standards, see the ISO catalogue. The standards are protected by copyright and most of them must be purchased. However, about 300 of the standards produced by ISO and IEC 's Joint Technical Committee 1 ( JTC1 ) have been made freely and publicly available. ISO 1 – ISO 99 ISO 1 :2016 Geometrical product specifications (GPS) - Standard reference temperature for the specification of geometrical and dimensional properties ISO 2 :1973 Textiles – Designation of the direction of twist in yarns and related products ISO 3 :1973 Preferred numbers – Series of preferred numbers ISO 4 :1997 Information and documentation – Rules for the abbreviation of title words and titles of publications ISO 5 Photography and graphic technology – Density measurements ISO 6 :1993 Photography – Black-and-white pictorial still camera negative film/process systems – Determinati ...more...



Magnetic stripe card

topic

Visualization of magnetically stored information on a magnetic stripe card (Recorded with CMOS-MagView) A magnetic stripe card is a type of card capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card. The magnetic stripe, sometimes called swipe card or magstripe , is read by swiping past a magnetic reading head . Magnetic stripe cards are commonly used in credit cards , identity cards , and transportation tickets. They may also contain an RFID tag , a transponder device and/or a microchip mostly used for business premises access control or electronic payment. Magnetic recording on steel tape and wire was invented in Denmark around 1900 for recording audio. In the 1950s, magnetic recording of digital computer data on plastic tape coated with iron oxide was invented. In 1960, IBM used the magnetic tape idea to develop a reliable way of securing magnetic stripes to plastic cards, under a contract with the US government for a security ...more...



Payment card

topic

An example of the front of a typical debit card : Issuing bank logo EMV chip Hologram Card number Card brand logo Expiration date Cardholder's name A payment card is part of a payment system that enables its owner (the cardholder) to make a payment by electronic funds transfer . There are a number of types of payment cards, the most common ones being credit cards and debit cards . Payment cards are usually embossed plastic cards, 85.60 × 53.98 mm in size, which comply with the ISO/IEC 7810 ID-1 standard. They usually also have an embossed card number conforming with the ISO/IEC 7812 numbering standard, the cardholder’s name and the card expiry date, in addition to other security features. Most commonly, a payment card is electronically linked to an account or accounts belonging to the cardholder. These accounts may be deposit accounts or loan or credit accounts, and the card is a means of authenticating the cardholder. However, stored-value cards store money on the card itself and are not necessarily linked ...more...



ISO 20400

topic

ISO 20400 Sustainable procurement -- Guidance provides guidance to organizations, independent of their activity or size, on integrating sustainability within procurement . It is intended for stakeholders involved in, or impacted by, procurement decisions and processes. This standard was developed by ISO project committee ISO/PC 277. History The standard was developed by project committee ISO/PC 277, which started work in the year 2013. The first edition of ISO 20400 was published on 21 April 2017. Main requirements of the standard The ISO 20400:2017 adopts the structure in the following breakdown: 1 Scope 2 Normative references 3 Terms and definitions 4 Understanding the fundamentals 5 Integrating sustainability into the organization's procurement policy and strategy 6 Organizing the procurement function toward sustainability 7 Integrating sustainability into the procurement process See also Quality management system List of ISO standards Conformity assessment International Organization for Standardization ...more...



ISO 8583

topic

ISO 8583 is an international standard for Financial transaction card originated interchange messaging. It is the International Organization for Standardization standard for systems that exchange electronic transactions initiated by cardholders using payment cards . ISO 8583 defines a message format and a communication flow so that different systems can exchange these transaction requests and responses. The vast majority of transactions made when a customer uses a card to make a payment in a store ( EFTPOS ) use ISO 8583 at some point in the communication chain, as do transactions made at ATMs. In particular, both the MasterCard and Visa networks base their authorization communications on the ISO 8583 standard, as do many other institutions and networks. Although ISO 8583 defines a common standard, it is not typically used directly by systems or networks. It defines many standard fields (data elements) which remain the same in all systems or networks, and leaves a few additional fields for passing network-spec ...more...



ISO 13849

topic

ISO 13849 is a safety standard which deals with safety-related design principles of employed control systems to establish different safety Performance Levels (PL). It replaced EN 954-1 in December 2011. Part 1 defines the general principles for design. Part 2 describes the validation . References "Safety of machinery -- Safety-related parts of control systems -- Part 1: General principles for design" . ISO . Retrieved 31 October 2013 . "Safety and risk minimization in the operator control of plant machinery" . Plant Engineering. October 21, 2013 . Retrieved 31 October 2013 . ISO 13849 is a safety standard which deals with safety-related design principles of employed control systems to establish different safety Performance Levels (PL). It replaced EN 954-1 in December 2011. Part 1 defines the general principles for design. Part 2 describes the validation . References "Safety of machinery -- Safety-related parts of control systems -- Part 1: General principles for design" . ISO . Retrieved 31 October 2013 . ...more...



ISO 37120

topic

ISO 37120 Sustainable development of communities -- Indicators for city services and quality of life defines and establishes methodologies for a set of indicators to steer and measure the performance of city services and quality of life. This standard was developed by ISO project committee ISO/TC 268. History The standard was developed by ISO/TC 268, which started work in the year 2012. The first edition of ISO 37120 was published on May 2014. Main requirements of the standard The ISO 37120:2014 adopts the structure in the following breakdown: 1 Scope 2 Normative references 3 Terms and definitions 4 City indicators 5 Economy 6 Education 7 Energy 8 Environment 9 Finance 10 Fire and emergency response 11 Governance 12 Health 13 Recreation 14 Safety 15 Shelter 16 Solid waste 17 Telecommunication and innovation 18 Transportation 19 Urban planning 20 Wastewater 21 Water and sanitation 22 Reporting and record maintenance See also Quality management system List of ISO standards Conformity assessment International O ...more...



Legal Entity Identifier

topic

A Legal Entity Identifier (or LEI ) is a 20-character identifier that identifies distinct legal entities that engage in financial transactions. It is defined by ISO 17442 . Natural persons are not required to have an LEI; they’re eligible to have one issued, however, but only if they act in independent business capacity. The LEI is a global standard, designed to be non-proprietary data that is freely accessible to all. As of October 2017, over 630,000 legal entities from more than 195 countries have now been issued with LEIs. History The LEI system was developed by the G20 , in response to the inability of financial institutions to identify organisations uniquely, so that their financial transactions in different national jurisdictions can be fully tracked. The first LEIs were issued in December 2012. Code structure Structure of LEI codes 1 2 3 4 5 6 7 8 9 ... 18 19 20 LOU- Code Res- erved Entity- Identification Check- sum G.E. Financing GmbH 5493 00 84UKLVMY22DS 16 Jaguar Land Rover Ltd 2138 00 WSGIIZCX ...more...



Credit card

topic

An example of the reverse side of a typical credit card: Magnetic Stripe Signature Strip Card Security Code A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance . In other words, credit cards combine payment services with extensions of credit. Complex fee structures in the credit card industry may limit customers' ability to comparison shop, help ensure that the industry is not price-competitive and help maximize industry profits. Because of this, legislatures have regulated credit card fees. A credit card is different from a charge card , where it requires the balance to be repaid in full each month. In contrast, credit ...more...





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