TRACK2 Full Specification
SS: Start Sentinel. 1 character: ;.
PAN: Primary Account Number. Up to 19 digits:
In accordance with the account numbering scheme in ISO 7812.
It consists of the following parts:
IIN: Issuer Identification Number. Up to 6 digits:
It consists of the following parts:
MII: Major Industry Identifier. Up to 2 digits:
0: Reserved for future use by ISO/TC 68.
00: Institutions other than card issuers.
1: Airlines.
2: Airlines and other future assignments.
3: Travel and entertainment.
4: Banking/financial.
5: Banking/financial.
59: Financial institutions not registered by ISO.
6: Merchandising and banking.
7: Petroleum.
8: Telecommunications and other future assignments.
89: Telecommunications administrations and private operating agencies.
9: Reserved for national use.
II: Issuer Identifier. Up to 5 digits:
Identifies the issuer. In some cases the first digit indicates the length of the IIN or the responsibility of its assignment outside of ISO. If MII = 9 then the first 3 digits should be the country code (CC).
IAI: Individual Account Identification. Up to 12 digits:
Assigned by the card issuing institution.
CD: Check Digit. 1 digit:
Calculated using the Luhn formula for computing modulus 10 "double-add-double" check digit: Double the value of alternate (odd) digits starting by the least significant (first right hand) digit. Then add the individual digits of doubled (odd) numbers and even digits of the original number. If the value ends in 0 then the check digit is 0. Otherwise subtract the value from the next higher number ending in 0 (tens complement of the unit digit). The result is the check digit. Example: If the account number without check digit is 1234 5678 9012 344 then (8) + 4 + (6) + 2 + (2) + 0 + (1 + 8) + 8 + (1 + 4) + 6 + (1 + 0) + 4 + (6) + 2 + (2) = 65, therefore the check digit is 70 - 65 = 5 and so the complete account number is 1234 5678 9012 3445.
MasterCard PAN is variable up to 16 digits and VISA is 13 or 16 digits, including check digit.
FS: Field Separator. 1 character: =.
CC: Country Code. 3 digits:
Only if PAN starts with 59 (MasterCard).
Country codes are defined in ISO 3166: 724 for Spain, 840 for USA, etc.
ED: Expiry Date. 4 digits: YYMM.
If this field is not used a FS will be in place.
Required by MasterCard and VISA.
SC: Service Code. 3 digits:
Digit 1 (most significant): Interchange and technology:
0: Reserved for future use by ISO.
1: Available for international interchange.
2: Available for international interchange and with integrated circuit, which should be used for the financial transaction when feasible.
3: Reserved for future use by ISO.
4: Reserved for future use by ISO.
5: Available for national interchange only, except under bilateral agreement.
6: Available for national interchange only, except under bilateral agreement, and with integrated circuit, which should be used for the financial transaction when feasible.
7: Not available for general interchange, except under bilateral agreement.
8: Reserved for future use by ISO.
9: Test.
Digit 2: Authorization processing:
0: Transactions are authorized following the normal rules.
1: Reserved for future use by ISO.
2: Transactions are authorized by issuer and should be online.
3: Reserved for future use by ISO.
4: Transactions are authorized by issuer and should be online, except under bilateral agreement.
5: Reserved for future use by ISO.
6: Reserved for future use by ISO.
7: Reserved for future use by ISO.
8: Reserved for future use by ISO.
9: Reserved for future use by ISO.
Digit 3 (least significant): Range of services and PIN requirements:
0: No restrictions and PIN required.
1: No restrictions.
2: Goods and services only (no cash).
3: ATM only and PIN required.
4: Cash only.
5: Goods and services only (no cash) and PIN required.
6: No restrictions and require PIN when feasible.
7: Goods and services only (no cash) and require PIN when feasible.
8: Reserved for future use by ISO.
9: Reserved for future use by ISO.
If this field in not used a FS will be in place.
Required by MasterCard and VISA.
PVV: Offset or PVV (PIN Verification Value). 5 digits:
Required by MasterCard and VISA.
DD: Discretionary Data. Rest of characters:
Reserved for proprietary use of card issuer.
ES: End Sentinel. 1 character: ?.
LRC: Longitude Redundancy Check. 1 character.
EXAMPLE TRACK2
;4123123412341234=0905101000543534543?
LEGEND:
4123123412341234 = PAN
09 = YEAR
05 = MONTH
1 = Interchange and technology = "Available for international interchange."
0 = Authorization processing = "Transactions are authorized following the normal rules"
1 = Range of services and PIN requirements = "No restrictions"
00054 = PVV (this is only the case with SOME CARDS!!!)
3534543 = discretionary data (only means something to the bank, means something different with each bank is for internal use only)
