CC Strip Explained
CC Strip Explained
by
L. Padilla
This page contains an explanation about the format of the three magnetic tracks
in standard identification cards, particularly those used in financial
transactions, i.e., credit and debit cards. It is a summary of the international
standards ISO 7813 (tracks 1 and 2) and ISO 4909 (track 3).
Track 1 (IATA)
Country codes are defined in ISO 3166: 724 for Spain, 840 for USA, etc.
Track 2 (ABA)
Country codes are defined in ISO 3166: 724 for Spain, 840 for USA, etc.
ED: Expiry Date. 4 digits: YYMM.
Track 3 (THRIFT-TTS)
Country codes are defined in ISO 3166: 724 for Spain, 840 for USA, etc.
Currency codes are defined in ISO 4217: 724 for Spanish peseta, 840 for
US dollar, etc.
If 3 zeros (000) are written in this field it means card not valid for
international interchange.
0-5: Power of ten by which multiply the currency amount fields (AA and
AR) to get their actual values in the currency of the CuC field.
If 4 zeros (0000) are written in this field it means card not valid for
charge operations (no debit).
Alternatively this field may indicate the date from which the card is
valid.
This field represents the duration of the cycle for which the AA limit
holds.
0: No restriction.
1: Not available for international interchange.
2-8: Limited interchange, only local use and under agreement.
9: Limited interchange, recommended for test cards.
0: No restrictions.
1: No cash dispense.
2: No point of sale (POS) transaction.
3: No cash dispense and no POS transaction.
4: Authorization required.
5-7: Reserved for future use by ISO/TC 68.
8-9: Reserved for card issuer's internal use, only local use and under
agreement.
Date of last cash dispense. The format is YDDD where Y stands for
the least significant digit of the year and DDD is the day of the year (001 to
366).
E-mail: padilla at domain "gae ucm es" (my PGP/GPG public key)
First version: 21-Dec-2001, last update: 12-Dec-2002
This link: http://www.gae.ucm.es/~padilla/extrawork/tracks.html
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