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

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 ...more...

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ISO/IEC 4909

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ISO/IEC 4909

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 op ...more...

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Magnetic stripe card

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Magnetic stripe card

An example of the reverse side of a typical credit card: Green circle #1 labels the Magnetic stripe 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.[1] 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 ...more...

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List of International Organization for Standardization standards

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List of International Organization for Standardization standards

This is a list of published[Note 1] International Organization for Standardization (ISO) standards and other deliverables.[Note 2] For a complete and up-to-date list of all the ISO standards, see the ISO catalogue.[1] 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.[2] 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/p ...more...

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ISO 8583

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ISO 8583

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-speci ...more...

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Payment card

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Payment card

Example of two credit cards 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 Payment cards are part of a payment system issued by financial institutions, such as a bank, to a customer that enables its owner (the cardholder) to access the funds in the customer's designated bank accounts, or through a credit account and make payments by electronic funds transfer and access automated teller machines (ATMs).[1] Such cards are known by a variety of names including bank cards, ATM cards, MAC (money access cards), client cards, key cards or cash cards. There are a number of types of payment cards, the most common ones being credit cards and debit cards. 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-valu ...more...

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Credit card

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Credit card

An example of the front in a typical credit card: Issuing Bank Logo EMV chip (only on "smart cards") Hologram Card number Card Network Logo Expiration Date Card Holder Name Contactless Chip 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.[1] 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.[2] Complex fee structures in the credit card industry may limit customers' ability to comparison shop, helping to ensure that the industry is not price-competitive and help ...more...

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ISO 20400

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ISO 20400

ISO 20400 Sustainable procurement -- Guidance [1] 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.[2] 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 Organizat ...more...

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ISO 17100:2015

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ISO 17100:2015

ISO 17100:2015 Translation Services-Requirements for Translation Services was published on May 1, 2015. It was prepared by the International Organization for Standardization's Technical Committee ISO/TC 37, Terminology and other language and content resources, Subcommittee SC 5, Translation, interpreting and related technology. Description This standard "specifies requirements for all aspects of the translation process directly affecting the quality and delivery of translation services. It includes provisions for translation service providers (TSPs) concerning the management of core processes, minimum qualification requirements, the availability and management of resources, and other actions necessary for the delivery of a quality translation service. The use of raw output from machine translation plus post-editing is outside the scope of this standard. Neither does it apply to interpreting services.[1] Based on EN 15038, this standard transfers the original EN 15038 requirements to the ISO framework. For ...more...

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ISO 37120

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ISO 37120

ISO 37120 Sustainable development of communities -- Indicators for city services and quality of life[1] 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 C ...more...

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ISO 13849

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ISO 13849

ISO 13849 is a safety standard which deals with safety-related design principles of employed control systems to establish different safety Performance Levels (PL).[1] It replaced EN 954-1 in December 2011.[2] 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. ...more...

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Legal Entity Identifier

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Legal Entity Identifier

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.[1] Natural persons are not required to have an LEI; they’re eligible to have one issued, however, but only if they act in an independent business capacity.[2] The LEI is a global standard, designed to be non-proprietary data that is freely accessible to all.[3] As of October 2017, over 630,000 legal entities from more than 195 countries have now been issued with LEIs.[4] History At the time of the 2008 financial crisis, a single identification code unique to each financial institution was unavailable worldwide. It means that each country had different code systems to recognize the counterpart corporation of financial transactions. Accordingly, it was impossible to identify the transaction details of individual corporations, identify the counterpart of financial transactions, and calculate the total risk amount. This resulted in difficultie ...more...

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