This standard specifies the specifications for bank cards issued or accepted by banks. The main contents include the embossed characters on the card and the coded data content on the magnetic stripe track, but do not include the confidentiality requirements of the card. This standard applies to various RMB bank cards issued or accepted by banks within the territory of the People's Republic of China. Cards issued or accepted by other industries such as commerce and services can also refer to this standard. This standard does not apply to various non-RMB bank cards issued by international organizations or accepted in China. GB/T 14504-1993 Bank Card GB/T14504-1993 Standard Download Decompression Password: www.bzxz.net
This standard specifies the specifications for bank cards issued or accepted by banks. The main contents include the embossed characters on the card and the coded data content on the magnetic stripe track, but do not include the confidentiality requirements of the card. This standard applies to various RMB bank cards issued or accepted by banks within the territory of the People's Republic of China. Cards issued or accepted by other industries such as commerce and services can also refer to this standard. This standard does not apply to various non-RMB bank cards issued by international organizations or accepted in China.

National Standard of the People's Republic of China
Bank cards
Standard equivalent to TS01909
1 Subject content and scope of application
GB/T 14504-93
This standard specifies the specifications of bank cards issued or accepted by banks. The main contents include the embossed characters of the card and the coded data content of the magnetic stripe track: it does not include the confidentiality requirements of the card. This standard applies to various RMB bank cards issued or accepted by banks within the territory of the People's Republic of China. Cards issued or accepted by other banks such as commerce and service industries can also refer to this standard. This standard does not apply to various non-RMB bank cards issued by international organizations or accepted domestically.
2 Reference standards
CB2659 Code for names of countries and regions in the world GB12406 Code for indicating currency and funds
GB13196 Code for identification of banks and insurance companies 1313197 Code for national clearing centers
SI/Z9026.2 Identification card - Recording technology - Part 2 Magnetic stripe SI/Z9026.3 Identification card - Recording technology - Part 1: Class I identification card Position of embossed characters on the card SJ/Z9027 Identification card - Numbering system and registration procedure for issuer identification characters SJ/Z 9028 Identification card - Financial transaction card 3 Terminology
3.1 Bank card bankcard
A financial transaction card used to identify both parties in a financial transaction and provide relevant data for their transaction. 3.2 Primary account number A number that identifies the issuing bank and cardholder information. It consists of the issuing bank identification, cardholder identification and check digit. It is the main account for financial transactions.
3.3 Issuer identification Issuer identification Code that identifies the issuing bank. It consists of the main issuing industry code, the issuing bank code and the issuing region code. 3.4: Holder identification Holder identification Code that identifies the card holder.
3.5 Check digit checkdigit
A number located after the holder identification. It is calculated based on the entire digits of the issuing bank identification and the holder identification to verify the correctness of the input data. For the verification method, see SJ/Z9027 and Appendix B (reference) of this standard. 3.6 First auxiliary account number first subsidiary account: county 1 number Approved by the State Administration of Technical Supervision on July 5, 1993 and implemented on December 1, 1993
GB/T14504-93
The first auxiliary account identifier available for selection other than the primary account number. 3.7First subsidiary account numbersecond subsidiary account.numberThe second subsidiary account number that can be selected in addition to the main account number and the first subsidiary account number. 3.8Personal identification numberpersonalidentificationnumberThe password used to identify the cardholder.
4Physical characteristics
The physical characteristics of the bank card shall comply with the relevant requirements of SJ/Z9028. 5Dimensions
The dimensions of the bank card shall comply with the relevant requirements of SJ/Z9028. 6Layout
The layout of the bank card shall comply with the relevant requirements of SJ/Z9028, and the embossed characters of the bank card shall comply with the relevant requirements of SJ/Z9028. 8Magnetic properties
The magnetic stripe of the bank card shall comply with the relevant requirements of SJ/Z9028. The coded character set of the second and third tracks of the magnetic stripe can be found in Appendix A (reference) of SJ/Z9026.2 (this standard). 9 End code specification of embossed characters
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The position specification of embossed characters on bank cards shall comply with the relevant requirements of SJ/Z9026.3. The area for embossing on the card can be divided into two areas: the main account line and the name and address area.
9.1 Embossing coding rules for the main account line
A maximum of 19 characters can be printed on the main account line of a bank card. The character coding order is the issuing bank ID, the cardholder ID and the check digit. The main account number printed on the bank card should be consistent with the main account number in the second track of the magnetic stripe (see Appendix (reference). It is recommended to leave a space between the issuing bank logo and the cardholder logo.
9.2 Bank card main account number coding structure
The issuing bank logo adopts a 6-digit coding structure, which is 1 major issuing industry code, 1 issuing bank code and 4 issuing region code. The major issuing industry code uses \6\ to identify the bank or financial industry, the issuing bank code uses the code specified in G313196, and the issuing region code uses the code specified in GB13497. The cardholder identification is a maximum of 11 digits. The digits immediately following the holder logo are the verification number.
9.3 Name and address area embossing coding rules
The embossing rules of the name and address area of ​​the bank card should comply with the relevant requirements in SJ/Z9026.3. 10 The first and second tracks of the magnetic stripe Data content of the second track The data content of the first and second tracks of the bank card magnetic stripe shall comply with SJ/Z9028, see Appendix C of this standard. 11 Data content of the third track of the magnetic stripe
The maximum record length of the data encoding of the third track of the bank card magnetic stripe is 107 digits, and the order and length of the data fields shall be consistent with the data format table of the first track of the bank card given in Table 1. Serial number
Starting address
Format code
School period division symbol
Country code
Currency code
Amount index
Weekly investment weight
Business period balance
Cycle start date
Period length
Number of password re-entry
Personal investment code control parameters
Anzu control symbol
SR of account number
SAN-I TA and SR of SAN2
Expiration period
Serial number
Card confidentiality
Field separator
Field separator, etc.
Transmission mark
Confidential security check
Additional number
End mark
Vertical redundant check mark
GB/T 14504—93
Table 1 Data format of the third track of the bank magnetic stripe - dynamic
S-static
Note: The total length of the coded data of the first track is 1C7 characters. Field
Maximum 18
Maximum 12
Length is variable
2 The first track is a read-write track. All information can be written. If necessary, it can be rewritten. Remarks
Appendix A Table AI Line II
Text 1,
Appendix A Table A1 Line 13
FS Flower-15G\
FS or "156\
Beijing Administration Department Regulations
Fu Wen 11. s
Justice: 1. 11
Maximum is "3\
Specified separately
Text 11. 14
Text 11.15
Text 11. 16
Text 11.17
Card issuing bank's proposal
FS or otherwise specified
Text 11.21
Appendix A Table A1 Line 13
Text 11.23
Appendix A Table A1 Line 13
Text 11, 25
FS or otherwise specified
Text 11. 27
Appendix A Table A1 Line 15
SJ/2 9026. 2
The mobile field can be modified by the exchanger according to the situation during the transaction process, and the static field can only be modified by the issuing bank. 11.1 Field 1: Start Tag (STX) Purpose: Indicates the beginning of the data, and is the first data character encoded on the first track. Format, 1 character.
Content: See Appendix A Table A1 Line 11
11.2 Field 2: Format Code (FC)
GB/T 14504-93
Purpose: Indicates the data format type of the first track, format: 2 digits.
Content: Use "\01" format code. See Table 1 for the specific format. 11.3 Field 3: Primary Account Number (PAV)
Purpose: Indicates the issuing bank and cardholder that can process the transaction Format: Maximum 18 digits,
Content, ten must be the card issuing industry identifier - 1 digit, "6\" identifies the financial industry. Card issuing bank identifier - 1 digit, reference B13496. Card issuing region identifier! 4 digits, reference GB13457,Cardholder ID - up to 11 digits, as specified by the issuing bank: Check digit - 1 digit. 3. 5.
11.4 Field 4, Field Separator (FS) Purpose: Indicates the end of the third track. Format: 1 character.
Content: See Appendix A Table A1 Row 13
11.5 Field 5: Country Code bzxz.net
Purpose: Indicates the country in which the currency bank card can be processed. Format: 3 digits or 1 field separator (FS). Content: 156 - China (see GR2659): FS - Indicates that the country code is not encoded on the third track. 11.6 Field 6: Currency Code
Purpose: Indicates the currency type used when closing. Format: 3 numbers or 1 field separator (FS) Content: 156-: RMB (see GB12406): FS--indicates that the currency code is not encoded in track 1, 11.7 Field 7: Amount Index
Purpose: Determines the base value of the two sections of cycle authorization amount (11.8) and balance amount (11.9). Format: 1 number.
irKAoNTKAca-
Inside: Indicates that the two sections of cycle authorization amount (11.8) and balance amount (11.9) must be multiplied by a number of 10 to the power of 10. This indicates the currency.
11.8 Field 8: Cycle Authorization
Purpose: It represents the situation that the cumulative transactions cannot exceed in a cycle, format; 4 numbers.
Content: Authorization is determined by the issuing bank.
11.9 Field 9: Balance of this cycle
Purpose: Indicates the amount of withdrawal or payment in the current cycle. Format: 4 digits.
Content: At the beginning of a new cycle, this field is equal to the cycle authorization amount (11.8) field. Consumption activities are deducted from authorization one by one, and the balance is stored in this period.
11.10 Field 10: Cycle start date
Purpose: Indicates the date when a new cycle starts. GB/T 14504-93
Format: 4 digits expressed in the form of YDI), where: Y represents the last valid digit of the year.
DDD is the serial number of the number of days in a year, ranging from 001 to 366. 11.11 Field 11: Cycle length
Purpose Indicates the time limit during which the cumulative value of all transactions cannot exceed the authorization amount. Format: 2 digits.
Content: 00-a bank card whose cycle balance can only be reduced but not reset; 01-79-a large number for the cycle length; 80-a cycle length of 7 days;
a cycle length of 14 days;
a cycle length of half a month:
83-a cycle length of one month 3
81-a cycle length of three months 3
85-a cycle length of six months:
86-a cycle length of one year;
-reserved for allocation.
11.12 Field 12: Number of times to re-enter the password
The number of times the password is not successfully entered is recorded. Format: 1 number.
Content This field is assigned a value of "3" when issuing a card and confirming the password entry. When the password is incorrectly entered, this field is decremented by 111.13 Field 13: Personal identification number control parameters
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