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Track format of magnetic stripe cards by L. Padilla This page contains an explanation about the format of the three magnetic tracks in standard identification cards, particularly those used in financial transactions, i.e., credit and debit cards. It is a summary of the international standards ISO 7813 (tracks 1 and 2) and ISO 4909 (track 3). Track 1 (IATA) Up to 79 ALPHA 7-bit (including parity) characters (alphanumeric) including SS, ES and LRC. Read only. It comprises the following fields (in this order): SS: Start Sentinel. 1 character: %. FC: Format Code. 1 character (alphabetic only): A: Reserved for proprietary use of card issuer. B: Bank/financial. This is the format described here. C-M: Reserved for use by ANSI Subcommittee X3B10. N-Z: Available for use by individual card issuers. PAN: Primary Account Number. Up to 19 digits: In accordance with the account numbering scheme in ISO 7812. It co
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