Some standard content:
ICS 35.240.15
National Standard of the People's Republic of China
GB/T 19584—2004
Magnetic stripe data content and specifications for bank card2004-09-13 Issued
General Administration of Quality Supervision, Inspection and Quarantine of the People's Republic of China Administration of Standardization of the People's Republic of China
Implementation on 2005-01-01
GB/T19584-—2004
This standard is based on GB/T17552 Identification Cards - Financial Transaction Cards" and is compiled with reference to relevant standards such as GB/114504 "Bank Cards", GB/T15694.1 Identification Cards - Issuer Identification - Part 1: Numbering System, and GB/T15120.2 "Identification Card Recording Technology - Part 2: Magnetic Stripe". This standard refers to and complies with the provisions of GB/T17552, and defines in detail the data content of the first track, the second track and the third track of the magnetic stripe card, and stipulates the use of each track of the bank card in my country. The industry standard JR/T0009-2000 (Bank Card Magnetic Stripe Information Format and Usage Specification) is abolished from the date of publication of this standard. The main differences between this standard and JR/T 0009.2000 are: the definition of bank card, the use of card verification number (CVN), the algorithm of CVN, the use of PIN verification number (PVN), the value of service code, the definition and value of the format code of track 1, etc. This standard is proposed by the National Financial Standardization Technical Committee, and this standard is promoted to the National Financial Standardization Technical Committee and the National Information Technology Standardization Technical Committee. This standard is organized and formulated by the Industrial and Commercial Bank of China. Drafting organizations of this standard include Industrial and Commercial Bank of China, People's Bank of China, China UnionPay Co., Ltd., Agricultural Bank of China, Bank of China, China Construction Bank, China Standards Research Center, China Electronics Technology Standardization Institute. Main drafters of this standard include Lin Xiaoxuan, Shan Huaiguang, Zhong Annie, Zhang Yan, Zhang Hong, Gui Xiaosheng, Zhao Hongxin, Lu Shuchun, Xu Min, Wang Yunsheng, Sima Fu, Du Ning, Huang Faguo, Hao Jianming, Liu Feng, Wang Gang, Jiang Xiaoli, Ma Yun, Wei Hong, Jin Qing, Liang Bo. iikAoNiKAca
1Fanpu
Bank card magnetic stripe information format and usage specification This standard specifies the bank card magnetic stripe information format and usage specification This standard applies to various bank magnetic stripe cards issued and used in the People's Republic of China. 2 Normative references
GB/T 19584—2004
The clauses in the following documents become the clauses of this standard through reference in this standard. For all referenced documents with dates, all subsequent amendments (excluding expired contents) or revisions are not applicable to this standard. However, the parties who reach an agreement based on this standard are encouraged to study whether the latest versions of these documents can be used. For all referenced documents without dates, the latest versions are applicable to this standard. GB/T2659 Codes for the names of countries and regions in the world GB/T12406 Codes for indicating currency and funds GB/T14504 Bank card
GB/T15120.2 Identification card recording technology Part 2: Magnetic stripe GR/T17552 Identification card Financial transaction card
3 Terms and definitions
The following terms and definitions apply to the rate standard. 3.1
Bank cardbank card
An electronic payment card issued by commercial banks and other financial institutions and postal savings and remittance institutions with some or all functions such as cash deposit and withdrawal, consumption, transfer settlement, credit loan, etc.
Primary account numberprimary account aumber (PAN) is a number that identifies the card issuer and cardholder information. It consists of the card issuer identification, cardholder identification and check digit. It is the main account number for financial transactions.
Issuer identificationissueridentificationA code that identifies the card issuer.
Cardholder identification individual account identification A code that identifies the cardholder.
Check digit check digit
A digit located after the cardholder identification. It is calculated based on the card issuer identification and the cardholder identification component to verify the correctness of the input data.
First subsidiary account numher (SAN-1) The first subsidiary account numher (SAN-2) The second subsidiary account numher (SAN-3) The second subsidiary account numher (SAN-4) The second subsidiary account numher (SAN-5) The personal identification code of the cardholder.
Personal identification code of the cardholder.
Card verification code
carlyerificationnumber(cvN
Code to verify the legitimacy of microstrip information. 3.10
PIN verification number(PVN)PIN verification code
Code to verify personal identification code, 4 Magnetic stripe
The characteristics, encoding technology and encoding character set of bank-card magnetic stripe shall comply with the relevant requirements in GB/T15120.2. 5 Data content of track
5. 1 Data content of track 1
The maximum record length of track 1 data encoding is 79 characters. The order and length of data fields shall be consistent with the track 1 data format given in Table 1.
Track 1 is a read-only track.
Table 1 Track 1 Track data format
Beginning mark
Format code
Main account number
School period separator
Field separator
Expiration date
Service code
Additional data
End mark
Vertical remainder check code
5. 2 Track data content
D—dynamic
S-static
“”, see 6.1
“\”, see 6.2
“A\+”, see 6.4
\A”, see 6.4
YYMM, see 6.6
See, 6.7
“9”. 6.9
GB/T 1512C, 2
The maximum record length of the data encoding of Track 2 is 10 characters. The order and length of the data fields shall be consistent with the Track 2 data format given in Table 2.
Track 2 is a read-only track. The dynamic fields can be modified by the exchanger according to the situation during the transaction, and the static fields can only be modified by the issuing institution.
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Start mark
Master account 0
Field separator
Expiration date
Service code
Additional data
Result mark
Digital tolerance check code
5.3 Track 3 data content
The data content of Track 3 is shown in Appendix 13.6 Field description
6. 1 Start Marker (STX)
Purpose: Indicates the beginning of the data,
Format: 1 character.
Track 2 Data Format
[}=Dynamic
S-Static
Content: Track 1 is "%", Track 2 and Track 3 are "," . 6.2 Format Code (FC)
Purpose: Indicates the data format type of this track. Format: Track 1 is 1 character, Track 3 is 2 digits Content: Track 1 is \B\, Track 3 is "99\. 6.3 Primary Account Number (PAN)
Purpose: Indicates the card issuer and cardholder that can process transactions. Format: 13 to 19 digits.
Content: Check digit algorithm, see GB/T14504, 6.4 Segment separator (S)
Purpose: Indicates the end of the previous field.
Format: 1 character:
Content: Track 1 is "A", Track 2 and Track 3 are "". 6. 5 Name (NM)
Purpose: Indicates the cardholder's surname, given name, title, etc. Format: 2 to 26 characters
GB/T 19584—2004
“ \, see 6. 1
“=\, see 6.4
YYMM,E6.6
“p\,See 6.9
GB/T 15120. 2
Content: It consists of surname, surname separator, given name or initials, separator (if necessary), middle name or initials, ending dot (when followed by a title), and title. The minimum coded data should be a Ningmu character (such as surname) plus a surname separator.6. 6 Expiration date (ED)
Purpose: Indicates the date when the card expires.
Format: 4 digits in the form of YYMM, where: YY
The last two characters of the year when the card expires.
MM-the sequence number of the month in the year. It is stipulated that the card will expire after the last day of the month. When YYMM is 0000, it means that the card has no expiration date. GB/T19584-—2004
6.7 Service code (SC)
Purpose: Indicates the type of service that can be used for the bank card. Format: 3 digits.
Content:
Digit 1:
1——International use.
2—International convenience: Indicates that the card has an integrated circuit chip. If the integrated circuit chip can be used, financial transactions should be processed by the integrated circuit.
Processing.
Domestic use.
-Domestic use: Indicates that the card has an integrated circuit chip. If the integrated circuit chip can be used: Financial transactions should be processed by the integrated circuit 7…. Dedicated: Not for exchange.
9·Testing.
Digit 2:
0--General authorization.
2-Online authorization must be obtained from the issuing bank or the issuing bank's agent. 4--Unless otherwise expressly stipulated in the agreement between the two parties, online authorization must be obtained from the issuing bank or the issuing bank's agent. Digit 3:
0——No restrictions on the service area, PTN input is required. 1—Service Unrestricted in the field.
Only for goods and services.
For ATM, PIN required.
Only for cash.
Only for goods and services, PIN required. Unrestricted in the field of service vehicles, when there is a password keyboard, prompt to enter the PIN, only for goods and services. When there is a password keyboard, prompt to enter the PIN. 6.8 Additional data
Purpose: Store the card verification code (CVN) and any data meaningful to the card issuer. Format: Variable, but the total number of characters in the track should not exceed the maximum encoding length. Content: Card verification code (CVN, algorithm see Appendix A), position and other contents are determined by the card issuer. 6.9 End mark (ETX)
Purpose: Indicates the end of meaningful data on the track. Format: 1 character.
Content: \?\.
6. 10 Longitudinal Remainder Check Code (LRC)
Purpose/Narrowness: See GB/T 15120.2.
Format: 1 character.
7 Usage Specifications
All bank magnetic stripe cards must use track 2. Whether tracks 1 and 3 are available is determined by each card issuer, and whether the PIN verification code (PVN) is used and where it is stored is determined by each card issuer. When processing, the financial terminal must read and send the information of tracks 2 and 3 at the same time. Track 2 is used as the exchange track, and each card issuer shall use track 2 as the standard when performing identification and information exchange. KANiKca
The calculation steps are as follows:
Appendix A
(Informative Appendix)
Algorithm of Card Verification Code (CVN)
Two 64-bit verification keys, KeyA and KeyH, are used when calculating CVN. 1) The data sources for calculating CVV include the primary account number (PAN), card expiration date and service code, which are arranged in order from left to right. For example, 19-digit PAN, 4-digit card expiration date and 3-digit service code form 26 CVN data sources. 2) Expand the above data sources into 128-bit binary data (if less than 128 bits, add binary 0 on the right). GB/T 19584—2004
3) Divide the 128-bit binary data into two 64-bit data blocks. The leftmost 64 bits are Block1 and the rightmost 64 bits are Block2.
1) Encrypt Block1 with KeyA, 5) XOR the encrypted result of Block1 with Block2. Encrypt the XOR result with KeyA, 6) Decrypt the encrypted result with KeyB. 7) Encrypt the decrypted result with KeyA. 8) Extract the numbers (09) from the encrypted result from left to right to form a set of mathematical numbers. 9) Extract the characters (A to F) from the encrypted result from left to right, subtract 10 and make the remainder a set of numbers, and arrange them after the numbers in step 8).
10) The first three-digit group on the left of step 9) is the CVN value. Example:
Main account:41234567:89012345
Validity period:8701
Service code:J11
KeyA:0123 4567 89AB CDEF
KeyB:FEIBA987654321)
First step, the data source is 41234567890123458701111Second step: Expand to 41234567890123458701111000000000Step =; Block1=412345678901
Block2=8701 1110 0000
Step 4:
Encrypt Block1 with KeyA
Step 5:
Step 6:
Step 7:
Step 8;
Step 9:
Step 10
XOR the result with Block2,
Encrypt with KeyA,
Decrypt with KeyB,
Encrypt with KeyA:
Extract the numbers in the result,
Extract the characters in the result,
After hiding 10,
The result is: B76A
CCDE 7ICC
The result is: 306B
The result is: BAE6
The result is: B262
The result is: 8D56
78011A0C
The result is: 85625780110
The result is: DFAAC
The result is: 35002
After connecting to the result of step 8:
The leftmost three digits are CVN—856,
8562578011035002
GB/T 19584—2004
Appendix B
(Informative Appendix)
Chapter 3 Track data content
Track 3 data encoding The maximum record length is 107 characters. The order and length of the data fields should be consistent with the Track 3 data format given in Table B.1
Track 3 is a read-write track.
B.1 Track 3 data format
The Track 3 data format is shown in Table B.1.
Table B1 Track 3 Data Format
Start Flag
Format Code
Main Account Number
School Section Separator
Painter Code
Currency Code
Amount Index
Periodic Authorization Quantity
Yu Ying in the Same Period
Periodic Start Date
Periodic Length
Number of Password Re-entry
Personal Authorization Control Parameters
Exchange Control Character
TA and SR of PAN
TA and SR of SAV-1
TA of SAN-2 Type SR
Expiration date
Card serial number
Card confidentiality number
Field separator
Field separator
Transmission flag
Encryption checksum
Additional data
End flag
Vertical redundant check code
D dynamic
S=static
Maximum 12
Maximum 12
“,\,See text 6. 1
“99\，See text 6,2
See text 6.3
*二\,See text 6. 4
“156”，See B.2.1,Optional
See B. 2. 2
See B. 2. 3
The card issuing institution shall make its own regulations, see B, 2. 4
See B.2. 5
YDDD, Bei B, 2. 6
See B. 2. 7
See B, 2, 8
Direct regulations of card issuing institutions, See B 2. 9
See B. 2.10
See B, 2. 11
See B, 2. 12
See R 2. 13
YYMM, See text 6.6
See B. 2. 14
See B, 2. 15
See B. 2. 16
“—\, See text 6.4
See R. 2. 17
\一”, See text 6. 4
See B, 2. 18
Card issuing institution shall stipulate its own regulations, see B.2.19
See text 6, 8
”, see text 6.10
GL/T 15120.2
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B.2 Field Description
B, 2. 1 Country code
Purpose: Indicates the country that can process transactions generated by bank cards. Format: 3 digits.
Content: \15G\ (see GB/T2659)
B.2.2 Currency code
Purpose: Indicates the currency type used for settlement. Format: 3 digits.
Content, see GB/T12406.
B.2.3 Amount index
Purpose: Determines the base value of the two fields of cycle authorization amount (B.2.1) and balance of this cycle (B,2.5). Format: 1 digit.
GB/T 19584-2004
Content: Indicates that the two fields of cycle authorization amount (B.2.4) and balance of this cycle (B.2,5) must be multiplied by 10 The value of a screen index is used to represent the market amount.
B,2.4 Cycle Authorization Amount
Purpose: Indicates the amount that the cumulative transaction cannot exceed within a period. Format: 4 digits.
Content: The authorization amount is specified by the issuing institution. B.2.5 Balance of this cycle
Purpose: Indicates the available amount in the current cycle. Format: 4 digits,
Content: At the beginning of a new cycle, this field is equal to the cycle authorization amount (B.2.4), and gradually decreases after consumption, and the balance is stored in this field. B.2.6 Cycle Start Date
Purpose: Indicates the date when a new cycle starts. Format: 4 digits in the form of YDDD digits, where: Y is the last valid character of the year.
DDID—the serial number of the days in the year, ranging from 001 to 366. B.2.7 Cycle length
Purpose; indicates the time limit during which the accumulation of all transactions cannot exceed the authorized amount. Format: 2 digits.
Content: 00
The balance of this cycle can only be reduced but not reset. The type of bank card; 01 to 79 days of this cycle,
80-the cycle is 7 days
81——the cycle is 14 days;
82-~~-the cycle is half a month,
B3-—the cycle is one month;
84-the cycle is three months·
85—the cycle is six months;
86. The cycle is one year
87-99.·Reserved, to be allocated.
B.2.8 Password re-entry times
Purpose: Record the number of unsuccessful attempts to enter the password. GB/T 19584—2004
Format: 1 digit.
Content: This field is assigned an initial value when issuing a card and confirming the password. The initial value is defined by each issuing institution. When the password is incorrect, this field is reduced by 1.
B.2.9 Personal authorization control parameter
Purpose: Provides a selectable security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each issuing institution. B.2.10 Exchange control symbol
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to exchange within domestic system;
6.\·Restricted to exchange within provincial system;.Restricted to exchange within municipal system
.-…Management card, not suitable for exchange
System test card
B.2.11 Account type (TA) and service constraints (SR) of primary account number (PAN) Purpose: Define the account type and services that can be provided for the primary account number (PAN), format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -wwW.bzxz.Net
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
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Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.15
See B. 2. 16
“—\, see text 6.4
See R. 2. 17
\一”, see text 6. 4
See B, 2. 18
Card issuing institution’s own regulations, see B.2.19
See text 6, 8
”, see text 6.10
GL/T 15120.2
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B.2 Field Description
B, 2. 1 Country code
Purpose: Indicates the country that can process transactions generated by bank cards. Format: 3 digits.
Content: \15G\ (see GB/T2659)
B.2.2 Currency code
Purpose: Indicates the currency type used for settlement. Format: 3 digits.
Content, see GB/T12406.
B.2.3 Amount index
Purpose: Determines the base value of the two fields of cycle authorization amount (B.2.1) and balance of this cycle (B,2.5). Format: 1 digit.
GB/T 19584-2004
Content: Indicates that the two fields of cycle authorization amount (B.2.4) and balance of this cycle (B.2,5) must be multiplied by 10 The value of a screen index is used to represent the market amount.
B,2.4 Cycle Authorization Amount
Purpose: Indicates the amount that the cumulative transaction cannot exceed within a period. Format: 4 digits.
Content: The authorization amount is specified by the issuing institution. B.2.5 Balance of this cycle
Purpose: Indicates the available amount in the current cycle. Format: 4 digits,
Content: At the beginning of a new cycle, this field is equal to the cycle authorization amount (B.2.4), and gradually decreases after consumption, and the balance is stored in this field. B.2.6 Cycle Start Date
Purpose: Indicates the date when a new cycle starts. Format: 4 digits in the form of YDDD digits, where: Y is the last valid character of the year.
DDID—the serial number of the days in the year, ranging from 001 to 366. B.2.7 Cycle length
Purpose: Indicates the time limit within which the accumulation of all transactions cannot exceed the authorized amount. Format: 2 digits.
Content: 00
The balance of this cycle can only be reduced but not reset for this bank card; 01 to 79 the number of days in this cycle,
80-cycle 7 days
81--14 days;
82---half month;
B3--one month;
84--three months
85--six months;
86. One year
87-99. Reserved, to be assigned.
B.2.8 Password re-entry times
Purpose: Record the number of unsuccessful password entry allowed. GB/T 19584-2004
Format: 1 digit.
Content: This field is assigned an initial value when issuing a card and confirming the password entry. The initial value is defined by each issuing institution. When the password is incorrect, this field is reduced by 1.
B.2.9 Personal Authorization Control Parameters
Purpose: Provides a selectable security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each card issuer. B.2.10 Exchange Control Character
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to exchange within domestic system;
6.\·Restricted to exchange within provincial system;.Restricted to exchange within municipal system
.-…Management card, not suitable for exchange
System test card
B.2.11 Account type (TA) and service constraints (SR) of primary account number (PAN) Purpose: Define the account type and services that can be provided for the primary account number (PAN), format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
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Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.15
See B. 2. 16
“—\, see text 6.4
See R. 2. 17
\一”, see text 6. 4
See B, 2. 18
Card issuing institution’s own regulations, see B.2.19
See text 6, 8
”, see text 6.10
GL/T 15120.2
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B.2 Field Description
B, 2. 1 Country code
Purpose: Indicates the country that can process transactions generated by bank cards. Format: 3 digits.
Content: \15G\ (see GB/T2659)
B.2.2 Currency code
Purpose: Indicates the currency type used for settlement. Format: 3 digits.
Content, see GB/T12406.
B.2.3 Amount index
Purpose: Determines the base value of the two fields of cycle authorization amount (B.2.1) and balance of this cycle (B,2.5). Format: 1 digit.
GB/T 19584-2004
Content: Indicates that the two fields of cycle authorization amount (B.2.4) and balance of this cycle (B.2,5) must be multiplied by 10 The value of a screen index is used to represent the market amount.
B,2.4 Cycle Authorization Amount
Purpose: Indicates the amount that the cumulative transaction cannot exceed within a period. Format: 4 digits.
Content: The authorization amount is specified by the issuing institution. B.2.5 Balance of this cycle
Purpose: Indicates the available amount in the current cycle. Format: 4 digits,
Content: At the beginning of a new cycle, this field is equal to the cycle authorization amount (B.2.4), and gradually decreases after consumption, and the balance is stored in this field. B.2.6 Cycle Start Date
Purpose: Indicates the date when a new cycle starts. Format: 4 digits in the form of YDDD digits, where: Y is the last valid character of the year.
DDID—the serial number of the days in the year, ranging from 001 to 366. B.2.7 Cycle length
Purpose: Indicates the time limit within which the accumulation of all transactions cannot exceed the authorized amount. Format: 2 digits.
Content: 00
The balance of this cycle can only be reduced but not reset for this bank card; 01 to 79 the number of days in this cycle,
80-cycle 7 days
81--14 days;
82---half month;
B3--one month;
84--three months
85--six months;
86. One year
87-99. Reserved, to be assigned.
B.2.8 Password re-entry times
Purpose: Record the number of unsuccessful password entry allowed. GB/T 19584-2004
Format: 1 digit.
Content: This field is assigned an initial value when issuing a card and confirming the password entry. The initial value is defined by each issuing institution. When the password is incorrect, this field is reduced by 1.
B.2.9 Personal Authorization Control Parameters
Purpose: Provides a selectable security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each card issuer. B.2.10 Exchange Control Character
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to exchange within domestic system;
6.\·Restricted to exchange within provincial system;.Restricted to exchange within municipal system
.-…Management card, not suitable for exchange
System test card
B.2.11 Account type (TA) and service constraints (SR) of primary account number (PAN) Purpose: Define the account type and services that can be provided for the primary account number (PAN), format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
-KANiKAca
Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.5) Base value of two fields. Format: 1 digit.
GB/T 19584-2004
Content: Indicates the value of an exponent that indicates that the two fields of cycle authorization amount (B.2.4) and current cycle balance (B.2,5) must be multiplied by 10 to indicate the market amount.
B,2.4 Cycle authorization amount
Purpose: Indicates the amount that the cumulative transactions cannot exceed within a period. Format: 4 digits.
Content: The authorization amount is specified by the issuing institution. B.2.5 Current cycle balance
Purpose: Indicates the available amount within the current period. Format: 4 digits,
Content: At the beginning of a new period, this field is equal to the cycle authorization amount (B.2.4), and gradually decreases after consumption, and the balance is stored in this field. B.2.6 Cycle start date
Purpose: Indicates the date when a new period starts. Format: 4 digits in the form of YDDD, where: Y is the last valid character of the year.
DDID—the serial number of the days in the year, ranging from 001 to 366. B.2.7 Cycle length
Purpose: Indicates the time limit during which the accumulation of all transactions cannot exceed the authorized amount. Format: 2 digits.
Content: 00
The type of bank card whose balance can only be reduced but not reset in this cycle; 01~79 The number of days in this cycle,
80-The cycle is 7 days
81——The cycle is 14 days;
82-~~-The cycle is half a month,
B3-—The cycle is one month;
84-The cycle is three months·
85—The cycle is six months;
86. The cycle is one year
87-99.·Reserved, to be allocated.
B.2.8 Password re-entry times
Purpose: Record the number of unsuccessful attempts to enter the password. GB/T 19584—2004
Format: 1 digit.
Content: This field is assigned an initial value when issuing a card and confirming the password. The initial value is defined by each issuing institution. When the password is incorrect, this field is reduced by 1.
B.2.9 Personal authorization control parameter
Purpose: Provides a selectable security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each issuing institution. B.2.10 Exchange control symbol
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to exchange within domestic system;
6.\·Restricted to exchange within provincial system;.Restricted to exchange within municipal system
.-…Management card, not suitable for exchange
System test card
B.2.11 Account type (TA) and service constraints (SR) of primary account number (PAN) Purpose: Define the account type and services that can be provided for the primary account number (PAN), format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
-KANiKAca
Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.5) Base value of two fields. Format: 1 digit.
GB/T 19584-2004
Content: Indicates the value of an exponent that indicates that the two fields of cycle authorization amount (B.2.4) and current cycle balance (B.2,5) must be multiplied by 10 to indicate the market amount.
B,2.4 Cycle authorization amount
Purpose: Indicates the amount that the cumulative transactions cannot exceed within a period. Format: 4 digits.
Content: The authorization amount is specified by the issuing institution. B.2.5 Current cycle balance
Purpose: Indicates the available amount within the current period. Format: 4 digits,
Content: At the beginning of a new period, this field is equal to the cycle authorization amount (B.2.4), and gradually decreases after consumption, and the balance is stored in this field. B.2.6 Cycle start date
Purpose: Indicates the date when a new period starts. Format: 4 digits in the form of YDDD, where: Y is the last valid character of the year.
DDID—the serial number of the days in the year, ranging from 001 to 366. B.2.7 Cycle length
Purpose: Indicates the time limit during which the accumulation of all transactions cannot exceed the authorized amount. Format: 2 digits.
Content: 00
The type of bank card whose balance can only be reduced but not reset in this cycle; 01~79 The number of days in this cycle,
80-The cycle is 7 days
81——The cycle is 14 days;
82-~~-The cycle is half a month,
B3-—The cycle is one month;
84-The cycle is three months·
85—The cycle is six months;
86. The cycle is one year
87-99.·Reserved, to be allocated.
B.2.8 Password re-entry times
Purpose: Record the number of unsuccessful attempts to enter the password. GB/T 19584—2004
Format: 1 digit.
Content: This field is assigned an initial value when issuing a card and confirming the password. The initial value is defined by each issuing institution. When the password is incorrect, this field is reduced by 1.
B.2.9 Personal authorization control parameter
Purpose: Provides a selectable security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each issuing institution. B.2.10 Exchange control symbol
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to exchange within domestic system;
6.\·Restricted to exchange within provincial system;.Restricted to exchange within municipal system
.-…Management card, not suitable for exchange
System test card
B.2.11 Account type (TA) and service constraints (SR) of primary account number (PAN) Purpose: Define the account type and services that can be provided for the primary account number (PAN), format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
-KANiKAca
Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first auxiliary account number selected. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.Provides an optional security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each card issuing institution. B.2.10 Exchange Control Character
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to domestic system exchange;
6.\·Restricted to provincial system exchange;.Restricted to municipal system exchange
.-...Management card, not applicable to exchange
System test card
B.2.11 Account Type (TA) and Service Constraint (SR) of Primary Account Number (PAN) Purpose: Define the account type of the primary account number (PAN) and the services that can be provided. Format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
-KANiKAca
Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.Provides an optional security feature. Format: 6 digits.
Content: The confidentiality algorithm is determined by each card issuing institution. B.2.10 Exchange Control Character
Purpose: Indicates the scope of bank card applicable to exchange. Format: 1 digit.
Content:
Unrestricted:
.--International use
2--Restricted to domestic, cross-system exchange; 3--Restricted to provincial, cross-system exchange; 4·Restricted to municipal, cross-system exchange·
5--Restricted to domestic system exchange;
6.\·Restricted to provincial system exchange;.Restricted to municipal system exchange
.-...Management card, not applicable to exchange
System test card
B.2.11 Account Type (TA) and Service Constraint (SR) of Primary Account Number (PAN) Purpose: Define the account type of the primary account number (PAN) and the services that can be provided. Format: 2 digits.
Content: a) 1st digit -
-Account type
Primary account number (PA) is not encoded on track 3: 0
1--Deposit or settlement account;
2...Cash or checking account;
Credit card account;
General account applicable to multiple account types;
Interest-bearing cash or checking account;
Reserved for allocation;
Internal use of the issuing institution, but cannot be exchanged. 9
t) 2nd digit -
One service constraint
·No constraint·
Cashless service:
No point of sale (POS) service
: No cash and point of sale (POS) service; 4 Requires positive authorization;
5~-7 Reserved for allocation
Internal use of the issuing institution.
B. 2.12 Account Type (TA) and Service Restriction (SR) of First Auxiliary Account Number (SAN-1) Purpose: Same as the definition in B. 2. 11, but this section refers to the account number contained in the First Auxiliary Account Number (SAN-1) (B. 2.16).
-KANiKAca
Format: 2 digits.
Content: Same as IB3. 2. 11.
B. 2. 13 Account Type (TA) and Service Restriction (SR) of Second Auxiliary Account Number (SAN-2) GB/T 19584--2004
Purpose: Same as the definition in B. 2. 11. This section refers to the account number contained in the Second Auxiliary Account Number (SAN-2) (B. 2.17).
Format: 2 digits.
Content: Same as B. 2. 12.
B.2.14 Card Serial Number
Purpose: To distinguish cards with the same primary account number (PAV) (issued in the same or consecutive periods). Format: 1-digit.
Content: Defined by the card issuer and assigned when the card is first issued or replaced after expiration. The value of this field is increased by 1 each time a card is added or a new card is issued
B.2.15 Card Confidentiality Number
Purpose: To establish the connection between the data contained in the magnetic stripe and the physical card. Format Separator (FS)
Content; FS indicates that the confidentiality number field is not encoded on track 3. B.2. 16 First Auxiliary Account Number (SAN-1)
Purpose: To indicate the first selected auxiliary account number. Format: Maximum 12 characters.
Content: To be used by the card issuer. When the length is 0, it means that the first auxiliary account number is not used. B.2.17 Second Auxiliary Account Number (SAN-2)
Purpose: Indicates the first optional auxiliary account number. Format: Maximum 12 characters.
Content: Used at the discretion of the card issuer. When the length is (characters, it indicates that the first auxiliary account number is not used. B.2.18 Transfer Flag
Purpose: Provides a function that can reduce the length of the transmitted exchange information. It indicates whether the exchange information contains additional data. Format: 1 character.
Content: 0 - includes all additional data; does not include additional data:
2 - 9 - invalid.
B.2.19 Encryption Check Digit (CCD)
Purpose: Provides a method to verify the integrity of the data on the track through a unique encryption formula. Format: 6 characters
Content: The encryption method is specified by each card issuer.6 characters
Nei Rui: The method of adding a case is determined by the issuing institutions.6 characters
Nei Rui: The method of adding a case is determined by the issuing institutions.
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