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
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
<code>%B4815881002867896^YATES/EUGENE JOHN ^37829821000123456789?</code>
<code>%B4815881002861896^YATES/EUGENE L ^^^356858 00998000000?</code>
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: