Magnetic card knowledge introduction

The ISO standard magnetic cards for magnetic cards, in particular the magnetic standards for magnetic cards used in banking systems, are: ISO7810, ISO7811-1 to ISO7811-6, ISO7812, ISO7813 and ISO15457. among them:
ISO7810 standard: The physical characteristics of the magnetic card are established;
ISO7812 standard: The recording technology standard for magnetic cards is established;
ISO781-4 standard: The recording technology standard for Track1 and Track2 read-only on the magnetic card is established;
ISO781-5 standard: The recording technology standard for Track3 that can be read/written on a magnetic card;
ISO15457 standard: Developed the physical standard / test method of the magnetic card Track standard F/2F technical standard;

The physical structure and data structure of the magnetic card Generally, the magnetic tape applied to the magnetic card of the banking system has three tracks, namely Track1, Track2 and Track3. Each track records different information, which has different applications. In addition, there are some applications where the magnetic card uses only two tracks (Track) and even only one track. In the application system we designed, all three tracks or two or one track can be used depending on the situation.


The figure above shows the physical size definition of the magnetic card conforming to ANSI and ISO/IEC standards. The definition of these dimensions relates to the standardization of magnetic card readers. Because if you encode the track1 (or Track2 or Track3) on the magnetic card, its data is physically higher or lower than a few millimeters on the tape, then the encoded data information is offset to another track. Up. among them:
Track1, 2, and 3 have the same track width, about 2.80mm (0.11 inches), for storing user data information; adjacent two tracks have a gap of about 0.05mm (0.02 inches) (Gap). To distinguish between two adjacent tracks; the entire tape width is about 10.29 mm (0.405) (if it is a magnetic card with 3 tracks), or about 6.35 mm (0.25 inches) (if it is a magnetic card with 2 tracks) . In fact, the width of the tape on the bank magnetic card we touched will be widened by about 1~2mm, and the total width of the tape is between 12~13mm.
On the tape, the start data position and the end data position of recording 3 valid track data are not at the edge of the tape, but are reduced to about 7.44 mm (0.293 inch) at the edge of the tape as the starting data position (boot 0 area) ); the tape edge is reduced inward by about 6.93mm (0.273 inches) to terminate the data position (following the 0 zone); these standards are designed to effectively protect the data on the magnetic card from being lost. Because the magnetic recording data on the edge of the magnetic card is easily destroyed by physical wear.

The standard definition of Track Track on Track Track is generally tailored to specific usage requirements, such as banking systems, securities systems, access control systems, identification systems, driver's license management systems, etc., all on the magnetic card. The three tracks on the magnetic card present different application format requirements for different application format requirements. Here, we will mainly discuss the standard definition of three tracks on the bank magnetic card of the international circulation bank/financial application system. These definitions have also been widely applied to some commonly used bank cards such as Visa credit cards and MasterCard credit cards.
● Track Track1: Its data standard was originally developed by the International Air Transport Association (IATA). The data and letters on Track1 record automated information in air transport, such as cargo tag information, transaction information, ticket booking/scheduled seating, and more. This information is read and written by a dedicated magnetic card reader and machine, and there is an application system in the airline for this service. The application system contains a database, and all the data information of these magnetic cards can be found here.
• Track Track2: Its data standard was originally developed by the American Bankers Association (ABA). The information on this track has been adopted by many of today's banking systems. It contains some basic and relevant information, such as the card's unique identification number, the card's expiration date, and so on.
● Track Track3: Its data standard was originally developed by the financial industry (THRIFT). It is mainly used in general savings, payment and credit units, etc. where it is necessary to frequently change or rewrite the magnetic card data. Typical applications include cash vending machines, prepaid cards (systems), debit cards (systems), and the like. Many of these types of applications are in the "off line" mode, that is, the bank (verification) system is difficult to track the data on the magnetic card in real time, which is represented by the data of the Track3 on the track on the user card and the bank ( Verify) The current data recorded by the system is different.

The numbers allowed on the tracks (Track1, Track2, Track3) and the three tracks on the character magnetic card are generally encoded using the "bit" method. Depending on the track in which the data resides, 5 bits or 7 bits form a byte. Track1 (IATA): The recording density is 210BPI; you can record 0~9 digits and A~Z letters, etc.; you can record up to 79 digits or characters (including start terminator and check digit); each character (one Byte) consists of 7 bits.
Since the information on Track1 can be represented not only by the numbers 0 to 9, but also by the letters A to Z, the information on Track1 generally records the "marking" and "description" of the type and range of the magnetic card. Information. For example, in a bank card, Track1 records the user's name, the card's effective use period, and other "marker" information.
Track2 (ABA): Recording density is 75BPI; can record 0~9 digits, can't record A~Z characters; can record up to 40 numbers in total (including start terminator and check digit); each data (one word) Section) consists of 5 bits.
Track3 (THRIFT): The recording density is 210BPI; you can record 0~9 digits, you can't record A~Z letters; you can record up to 107 numbers or characters (including start terminator and check digit); each character ( One byte) consists of 5 bits.
Since the information on Track2 and 3 can only be represented by the numbers 0 to 9, etc., the letters A to Z cannot be used to represent the information. Therefore, in the bank card, Track2, 3 is generally used to record the user's account information, payment information, etc. Etc. Of course, there are some special information requested by banks.
In actual application development, if we want to represent information other than numbers in Track2 or 3, such as "ABC", etc., it should generally be mapped using an ASCII table according to international standards. For example, to record the letter "A" on Track2 or 3, you can use the ASCII value "0x41" of "A". “0x41” can be represented by two data in Track2 or Track3: “4” and “1”, namely “0101” and “0001”.

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