ISO 4909:2000
(Main)Bank cards — Magnetic stripe data content for track 3
Bank cards — Magnetic stripe data content for track 3
Cartes bancaires — Zone magnétique — Contenu en données de la piste 3
General Information
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Standards Content (Sample)
INTERNATIONAL ISO
STANDARD 4909
Third edition
2000-07-01
Bank cards — Magnetic stripe data content
for track 3
Cartes bancaires — Zone magnétique — Contenu en données
de la piste 3
Reference number
ISO 4909:2000(E)
©
ISO 2000
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ISO 4909:2000(E)
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ISO 4909:2000(E)
Contents Page
Foreword.iv
Introduction.v
1 Scope .1
2 Normative references .1
3 Terms and definitions .2
4 Physical characteristics of the card .2
5 Location and dimensions of embossed data.2
6 Physical and performance characteristics of the magnetic material.3
6.1 Physical characteristics.3
6.2 Performance characteristics .3
7 Encoding specifications .3
8 Data content of track 3 .3
8.1 Field 1: start sentinel.3
8.2 Field 2, format code.3
8.3 Field 3: primary account number (PAN).3
8.4 Field 4: field separator (FS) .4
8.5 Field 5: country code.4
8.6 Field 6: currency .4
8.7 Field 7: currency exponent.4
8.8 Field 8: amount authorized per cycle period .5
8.9 Field 9: amount remaining this cycle.5
8.10 Field 10: cycle begin.5
8.11 Field 11: cycle length .5
8.12 Field 12: retry count .6
8.13 Field 13: personal identification number control parameters (PINPARM) .6
8.14 Field 14: interchange control.7
8.15 Field 15: type of account (TA) and service restriction (SRI) – PAN.7
8.16 Field 16: type of account and service restrictions - SAN-1.8
8.17 Field 17: type of account and services restrictions – SAN-2 .8
8.18 Field 18: expiry date .8
8.19 Field 19: card sequence number.9
8.20 Field 20: card security number.9
8.21 Field 21: first subsidiary account number (SAN-1).9
8.22 Field 22: field separator .9
8.23 Field 23: second subsidiary account number (SAN-2) .10
8.24 Field 24: field separator .10
8.25 Field 25: relay marker.10
8.26 Field 26: crypto check digits (CCD) .10
8.27 Field 27: additional data.10
8.28 Field 28: end sentinel .12
8.29 Field 29: longitudinal redundancy check (LRC) .12
Annex A (normative) Primary account number formats .15
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ISO 4909:2000(E)
Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO
member bodies). The work of preparing International Standards is normally carried out through ISO technical
committees. Each member body interested in a subject for which a technical committee has been established has
the right to be represented on that committee. International organizations, governmental and non-governmental, in
liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnical
Commission (IEC) on all matters of electrotechnical standardization.
International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 3.
Draft International Standards adopted by the technical committees are circulated to the member bodies for voting.
Publication as an International Standard requires approval by at least 75 % of the member bodies casting a vote.
Attention is drawn to the possibility that some of the elements of this International Standard may be the subject of
patent rights. ISO shall not be held responsible for identifying any or all such patent rights.
International Standard ISO 4909 was prepared by Technical Committee ISO/TC 68, Banking, securities and other
financial services, Subcommittee SC 6, Retail financial services.
This third edition cancels and replaces the second edition (ISO 4909:1987), of which it constitutes a minor revision.
Annex A forms a normative part of this International Standard.
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ISO 4909:2000(E)
Introduction
This International Standard recognizes the need for formats of track 3 which can be used independently of, or in
conjunction with, track 2 as defined in ISO 7813. This approach is intended to permit the greatest degree of
flexibility within the financial community in facilitating international interchange.
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INTERNATIONAL STANDARD ISO 4909:2000(E)
Bank cards — Magnetic stripe data content for track 3
1 Scope
This International Standard establishes specifications for cards issued by or acceptable to the banking industry 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 those documents quoted in clause 2.
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 operation permitting both on-line interchange and off-line
interchange based on mutual agreement between interested parties. It requires reading only of the data on track 3
and, if update is required, the rewriting of all the data on track 3.
2 Normative references
The following normative documents contain provisions which, through reference in this text, constitute provisions of
this International Standard. For dated references, subsequent amendments to, or revisions of, any of these
publications do not apply. However, parties to agreements based on this International Standard are encouraged to
investigate the possibility of applying the most recent editions of the normative documents indicated below. For
undated references, the latest edition of the normative document referred to applies. Members of ISO and IEC
maintain registers of currently valid International Standards.
ISO 3166 (all parts), Codes for the representation of names of countries and their subdivisions.
ISO 4217, Codes for the representation of currencies and funds.
ISO 7810, Identification cards — Physical characteristics.
ISO/IEC 7811-1, Identification cards — Recording technique — Part 1: Embossing.
ISO/IEC 7811-2, Identification cards — Recording technique — Part 2: Magnetic stripe.
ISO/IEC 7811-3, Identification cards — Recording technique — Part 3: Location of embossed characters on
ID-1 cards.
ISO/IEC 7811-4, Identification cards — Recording technique — Part 4: Location of read-only magnetic tracks —
Tracks 1 and 2.
ISO/IEC 7811-5, Identification cards — Recording technique — Part 5: Location of read-write magnetic track —
Track 3.
ISO 7812 (all parts), Identification cards — Identification of issuers.
ISO 7813, Identification cards — Financial transaction cards.
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ISO 4909:2000(E)
3 Terms and definitions
For the purposes of this International Standard, the following terms and definitions apply.
3.1
bank card
financial transaction card generally used to identify parties to a financial transaction, and to provide input data for a
transaction
3.2
cycle period
fixed or predetermined period of time qualifying the validity of certain transactions
3.3
PAN
primary account number
assigned number that identifies the card issuer and card holder and is composed of an issuer identification,
individual account identification, and an accompanying check digit, as specified in ISO 7812, and supplemented by
annex A of this International Standard
NOTE The PAN is equivalent to the identification number as defined in ISO 7812.
3.3.1
issuer identification
major industry identifier and issuer identifier as described in ISO 7812 and annex A of this International Standard
3.3.2
individual account identification
individual account identification as described in ISO 7812, and annex A of this International Standard
3.3.3
check digit
check digit character as described in annex C to ISO 7812, and annex A of this International Standard
3.4
SAN-1
first optional subsidiary account identification held in addition to PAN (see 8.21)
3.5
SAN-2
second optional subsidiary account identification held in addition to PAN and SAN-1 (see 8.23)
3.6
PIN
personal identification number
secret code used by a cardholder to authenticate card ownership
4 Physical characteristics of the card
The card shall conform in all respects to the specifications in ISO 7810.
5 Location and dimensions of embossed data
If present, all embossed data on the card shall conform to the specifications in ISO 7811-3.
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ISO 4909:2000(E)
6 Physical and performance characteristics of the magnetic material
6.1 Physical characteristics
The physical characteristics and location of the magnetic material shall conform in all respects to the requirements
of ISO 7811-2.
6.2 Performance characteristics
The performance characteristics of the magnetic materials for the card shall conform in all respects to the
specifications contained in ISO 7811-2.
7 Encoding specifications
Encoding specifications shall conform in all respects to the requirements of ISO 7811-2.
8 Data content of track 3
The sequence and length of data fields shall be in accordance with Table 1 or 2 and with 8.1 to 8.29.
8.1 Field 1: start sentinel
Purpose: To identify the start of data. The start sentinel is the first data character encoded on the track.
Format: One character.
Content: Row 11 of 9.2.2 of ISO 7811-2.
8.2 Field 2, format code
Purpose: To identify the data format on track 3.
Format: Two digits.
Content: 00 - Invalid for international interchange.
01 - The layout shall conform to table 1 of this International Standard.
02 - The layout shall conform to table 2 of this International Standard.
03-89 – Reserved for future allocation by ISO/TC 68.
90-99 - Available for use by individual card issuers but not for international interchange.
Card issuers wishing to use codes in the range 03-89 shall apply, through their national standards organization, to
ISO/TC 68.
8.3 Field 3: primary account number (PAN)
Purpose: To identify the card issuer to which the transaction is to be routed and to identify the card holder.
Format: As defined in 3.3 of this International Standard, and as further described in the annex.
Content: Issuer identification — variable from 3 to 11 characters.
Individual account identification — up to 23 characters.
Check digit — 1character.
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ISO 4909:2000(E)
In dual track operation, where the PAN is encoded on track 2, then the encoding of PAN on track 3 is optional.
Where PAN is encoded on track 3, it is essential that all the components appear.
8.4 Field 4: field separator (FS)
Purpose: To indicate the end of the PAN (field 3), whether PAN is encoded or not.
Format: One character.
Content: Row 13 of 9.2.2 of ISO 7811-2.
8.5 Field 5: country code
Purpose: To identify the country to which transaction data generated by the card shall be routed.
Format: Three digits in the form CCC, where present, or a one-character FS.
Content: CCC - To conform with ISO 3166 for the designation of numeric country code.
FS - Row 13 of 9.2.2 of ISO 7811-2 indicates that no country code is present.
Cards encoded in accordance with this edition of ISO 4909 shall contain only an FS in field 5. Cards encoded in
accordance with ISO 4909:1987 may contain CCC.
8.6 Field 6: currency
Purpose: To denote the type of currency to be employed when calculating for update.
Format: Three digits.
Content: Three zeros in the currency field indicate that the card is not available for international interchange. All
other codes shall signify the numeric currency code contained in ISO 4217.
8.7 Field 7: currency exponent
Purpose: To determine the base value of the amount authorized (8.8) and amount remaining (8.9) fields.
Format: One digit.
Content: A digit denoting the number of times the contents of the amount authorized (8.8) and the amount
remaining (8.9) fields must be multiplied by 10 to express the value in the major currency unit of the
currency specified in 8.6.
EXAMPLE If the currency exponent is 0, the value is equal to the content.
If the currency exponent is 1, the value is the content multiplied by 10.
If the currency exponent is 2, the value is the content multiplied by 100.
Thus 1 000 lira can be expressed as 1 000 with currency exponent = 0, as 100 with currency exponent = 1, and
as 10 with currency exponent = 2.
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ISO 4909:2000(E)
8.8 Field 8: amount authorized per cycle period
Purpose: To denote the amount which is used to reset the amount remaining (8.9).
Format: Four digits.
Content: All zeros indicate that no debits are permitted.
8.9 Field 9: amount remaining this cycle
Purpose: To denote the remaining available balance of amount authorized for the current cycle period. It is
expressed as the nearest unit of the currency in the amount authorized field (8.8).
Format: Four digits.
Content: On the first use after the commencement of each new cycle period, this field shall be reset to the value
shown in the amount authorized field (8.8). Thereafter it shall contain the amount remaining th
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