Add Track 1 and Track 2 Parse / Build operations

[J8k3]

Summary

Add payment card magnetic stripe track operations:

• Parse Track 1 — decode ISO 7813 Track 1 format into named fields
• Parse Track 2 — decode ISO 7813 Track 2 format into named fields
• Build Track 1 — encode fields into Track 1 format string
• Build Track 2 — encode fields into Track 2 format string

Track 1 Format (IATA)

%B4111111111111111^SMITH/JOHN^2512101000000000?
 ^ ^ PAN          ^ Name      ^ Exp/SC/Disc    ^

Fields: FC (Format Code B), PAN, Separator (^), Name, Separator (^), Expiry (YYMM), Service Code, Discretionary Data, End Sentinel, LRC

Track 2 Format (ABA)

;4111111111111111=25121011234500000000?
 ^ PAN          ^ Exp/SC/Disc         ^

Fields: SS (;), PAN, Separator (=), Expiry (YYMM), Service Code, Discretionary Data, End Sentinel, LRC

Service Code Decoding

The 3-digit service code should be decoded into:

• Digit 1: interchange rules (1=international, 2=international+IC, 5=national, 6=national+IC, 7=private, 9=test)
• Digit 2: authorization technology (0=normal, 2=IC with contacts, 4=IC without contacts)
• Digit 3: allowed services / PIN requirements (0=normal/no restriction, 1=normal/PIN required, 2=merchandise only, 3=cashback/PIN req, 4=cash only, 5=goods/services/no cash, 6=no restriction/prompt PIN, 7=goods/services/PIN req)

Module

Payment

References

• ISO/IEC 7813: Financial transaction cards
• EMVCo: Track data requirements for contactless