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GB/T 19584-2010 English PDF (GBT19584-2010)

GB/T 19584-2010 English PDF (GBT19584-2010)

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GB/T 19584-2010: Specification on magnetic stripe data content and application for bank card

This Standard specifies the specification on magnetic stripe data content and application for bank card. This Standard applies to all kinds of bank cards issued and used in the People Republic of China.
GB/T 195841-2010
GB
NATIONAL STANDARD OF THE
PEOPLE REPUBLIC OF CHINA
ICS 35.240.15
A 11
Replacing GB/T 19584-2004
Specification on magnetic stripe data
content and application for bank card
ISSUED ON. JANUARY 14, 2011
IMPLEMENTED ON. MAY 01, 2011
Issued by. General Administration of Quality Supervision, Inspection and Quarantine of the PEOPLE Republic of China;
Standardization Administration of the PEOPLE Republic of
China.
3. No action is required - Full-copy of this standard will be automatically and immediately delivered to your EMAIL address in 0~60 minutes.
Table of Contents
Foreword ... 3
Introduction .. 5
1 Scope .. 6
2 Normative references ... 6
3 Terms and definitions ... 6
4 Magnetic stripes ... 8
5 Track data content .. 8
5.1 Track 1 data content ... 8
5.2 Track 2 data content ... 9
5.3 Track 3 data content ... 9
6 Field descriptions ... 9
6.1 Start sentinel (STX) .. 9
6.2 Format code (FC) ... 10
6.3 Primary account number (PAN).. 10
6.4 Field separator (FS) .. 10
6.5 Name (NM) .. 10
6.6 Expiration date (ED) .. 10
6.7 Service code (SC) ... 11
6.8 Additional data .. 12
6.9 End sentinel (ETX) ... 12
6.10 Longitudinal redundancy check (LRC) ... 13
7 Specifications on use .. 13
Annex A (informative) Track 3 data content .. 14
Annex B (informative) Card verification code (CVN) algorithm .. 21
Annex C (informative) PIN verification code (PVN) algorithm ... 23
Bibliography ... 25
Foreword
This Standard is revision of GB/T 19584-2004 ?€?Specification on magnetic stripe data content and application for bank card?€?.
Compared with GB/T 19584-2004, the main changes of this Standard are as follows. a) REDRAFT the foreword and ADD the introduction;
b) REDEFINE the content of 3.1, 3.5, 3.8 and 6.3 according to the development of technology and business;
c) MODIFY ?€?When YYMM is 0000, it indicates no expiration date of this card?€? in 6.6 TO ?€?4912 is written to YYMM when the card has no expiration date?€?;
d) MODIFY the inconsistent text;
e) REPLACE the example of algorithm in Annex B TO the CUP standard card; f) ADD Annex C and REARRANGE the order of annexes;
g) ADD the bibliography.
This Standard replaces GB/T 19584-2004 ?€?Magnetic stripe data content and specification for bank card?€?.
Annex A to Annex C of this Standard are informative annexes.
This Standard is proposed by People's Bank of China.
This Standard is under the jurisdiction of China Financial Standardization Technical Committee.
Responsible drafting organizations of this Standard. People's Bank of China, China Financial Computerization Corp.
Participating drafting organizations of this Standard. Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Huaxia Bank, China UnionPay Co., Ltd., Bank Card Testing Center, Credit Card Industry Development Co., Ltd. of China Banknote Printing and Minting.
Main drafters of this standard. Jiang Yunbing, Du Ning, Li Shuguang, Zhao Zhilan, Liu Qibin, Ma Xiaoqiong, Zhang Yan, Liu Yun, Zhao Hongxin, Yuan Hongbin, Yuan Guoneng, Cao Ying, Huang Faguo, Liu Zhigang, Wang Fei.
The historical edition of the standard replaced by this Standard is as follows. Introduction
This Standard is developed on the basis of GB/T 17552 ?€?Identification cards - Financial transaction cards?€?, with reference to the relevant standards such as GB/T 15694.1 ?€?Identification cards - Identification of issuers - Part 1. Numbering system?€? and GB/T 15120.2 ?€?Identification cards - Recording technique - Part 2. Magnetic stripe?€?. This Standard refers to and complies with the provisions of GB/T 17552 ?€?Identification cards - Financial transaction cards?€?, describes the data content for track 1, track 2 and track 3 of magnetic stripe cards in detail and specifies the application of each track of bank cards in China.
Specification on magnetic stripe data
content and application for bank card
1 Scope
This Standard specifies the specification on magnetic stripe data content and application for bank card.
This Standard applies to all kinds of bank cards issued and used in the PEOPLE Republic of China.
2 Normative references
The following standards contain provisions which, through reference in this Standard, constitute provisions of this Standard. For dated reference, subsequent amendments to (excluding corrections to), or revisions of, any of these publications do not apply. However, the parties to agreements based on this Standard are encouraged to investigate the possibility of applying the most recent editions of the standards. For undated references, the latest edition of the normative document referred to applies. GB/T 2659 Codes for the representation of names of countries and regions (GB/T 2659-2000, eqv ISO 3166-1.1997)
GB/T 12406 Codes for the representation of currencies and funds (GB/T 12406- 2008, ISO 4217.2001, IDT)
GB/T 15120.2 Identification cards - Recording technique - Part 2. Magnetic stripe (GB/T 15120.2-1994, idt ISO 7811-2.1985)
JR/T 0008 Bank identification number and card number for bank card
3 Terms and definitions
For the purpose of this Standard, the following terms and definitions apply. 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 and withdrawal.
3.2
primary account number
PAN
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
PIN
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. "???" 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.
23 SAN-2 S Max. 12 See A.2.17
24 Field separator S 1 ?€?=?€?, see 6.4
25 Transmission mark S 1 See A.2.18
26 Crypto check digital S 6 Specified by the issuer, see A.2.19
27 Additional data D Variable See 6.8
28 End sentinel S 1 ?€???€?, see 6.9
29 Longitudinal redundancy check D 1 See GB/T 15120.2
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. the periodical authorization amount (A.2.4) and balance of this period (A.2.5) must be multiplied by a power of ten, to represents the currency amount
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. It ind...

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