GB/T 19584-2010Specification on magnetic stripe data content and application for bank card (English PDF)

3.1 Bank card

A payment tool issued by financial institutions such as commercial banks to the community, with all or part of the functions of consumer credit, settlement by transfer of account, cash saving & withdrawal.

3.2 Primary account number

A number used to identify the issuer and the card, which composed of the issuer identification number, the issuer digit and the check digit. The primary account number is equivalent to the card number in JR/T 0008.

3.3 Issuer identification number

A number used to identify the issuer.

3.4 Check digit

The last digit of primary account number. The digit is calculated based on all the digits in front of the check digit, to check the correctness of primary account number.

3.5 First subsidiary account number

SAN-1 The first available subsidiary account identification in addition to the primary account number.

3.6 Second subsidiary account number

SAN-2 The second available subsidiary account identification in addition to the primary account number and the first available subsidiary account number.

3.7 Personal identification number

6.2 Format code (FC)

Uses. To indicate the data format type of the track.

Format. 1 character for track 1; 2 digits for track 3. Content. "B" for track 1; "99" for track 3.

6.3 Primary account number (PAN)

Uses. To indicate the cardholder and the issuer that can handle transactions. Format. 13 ~ 19 digits. Content. A card number equivalent to JR/T 0008.

6.4 Field separator (FS)

Uses. To indicate the end of the previous field. Format. 1 character.

Content. " and " for track 1; "=" for track 2 and track 3.

6.5 Name (NM)

Uses. To indicate surname, name, title, etc. of the cardholder. Format. 2 ~ 26 characters.

Content. Composed of surname, surname separator, name or initial letter, separator (if required), middle name or initial letter, ending dot (when followed by title), title. The minimum encoded data shall be an alphabetic character (such as surname) plus the surname separator.

6.6 Expiration date (ED)

Uses. To indicate the date when the card expires. Format. 4 digits in YYMM format, where.

YY - the last 2 characters of the card's expiration year.

MM - the sequence number of the month in the year. It is specified that the card expires after the last day of the month.

49122) is written to YYMM when the card has no expiration date.

2 ) In order to keep in line with current international practice, and to reduce the barriers to accepting bank cards abroad, YYMM is defined as 4912 when the card has no expiration date.

6 - reserved to be assigned;

7 - reserved to be assigned;

8 - reserved to be assigned;

9 - reserved to be assigned. 3rd digit.

0 - unlimited service areas, required to enter PIN;

1 - unlimited service areas;

2 - only for goods and services;

3 - only for ATM, required to enter PIN;

4 - only in cash;

5 - only for goods and services, required to enter PIN;

6 - unlimited service areas; when there are PIN input devices, prompt to enter the PIN;

7 - only for goods and services; when there are PIN input devices, prompt to enter the PIN;

8 - reserved to be assigned;

9 - reserved to be assigned.

6.8 Additional data

Uses. To store card verification number (CVN) and any data that is meaningful to the issuer.

Format. Variable, but it shall ensure that the total number of track characters shall not exceed the maximum encoding length.

Content. The card verification number (CVN, see Annex B for algorithm), of which the location and other content are specified by the issuer.

6.9 End sentinel (ETX)

Uses. To indicate the end of meaningful data on the track. Format. 1 character.

A.2 Field descriptions

A.2.1 Country code

Uses. To indicate the country that can process transactions generated by bank cards. Format. 3 digits. Content. "156" (see GB/T 2659).

A.2.2 Currency code

Uses. To indicate the type of currency used for settlement. Format. 3 digits. Content. See GB/T 12406.

A.2.3 Amount index

Uses. The basis value for determining two fields, i.e. the periodical authorization amount (A.2.4) and balance of this period (A.2.5). Format. 1 digit.

Content. The value represents that two fields, i.e.

A.2.4 Periodical authorization amount

Uses. To represent the amount that the cumulative transaction cannot exceed in one period. Format. 4 digits. Content. The authorization amount is specified by the issuer.

A.2.5 Balance of this period

Uses. Consistent with the definition in A.2.11, but the content of this field involves the account number contained in the second subsidiary account number (SAN-2) (A.2.17). Format. 2 digits. Content. The same as A.2.11.

A.2.14 Card serial number

Uses. To distinguish cards (issued simultaneously or in succession) with the same primary account number (PAN). Format. 1 digit.

Content. Defined by the issuer, assigned when issuing cards or changing cards after the cards expire. This field is incremented by 1 each time when a card is added or a new card is issued.

A.2.15 Card security number

Uses. Used to establish the connection between the data contained in the magnetic stripe and the physical card. Format. Field separator (FS).

Content. FS - indicates that the card security number field does not appear on track 3.

A.2.16 First subsidiary account number (SAN-2)

Uses. To indicate the first optional subsidiary account number. Format. maximum 12 digits.

Content. Used by issuer as appropriate. The length of 0 digits indicates that the first subsidiary account number is not used.

A.2.17 Second subsidiary account number (SAN-2)

Uses. To indicate the second optional subsidiary account number. Format. maximum 12 digits.

Content. Used by issuer as appropriate. The length of 0 digits indicates that the second subsidiary account number is not used.

A.2.18 Transmission mark

Uses. To provide the function of reducing the length of the exchanged information. […]