The following chart shows how Track I data is encoded:

%
B 4000111222333 ^ SMITH/JOHN R.DR ^ 9304 587 99999 OPTIONAL DATA ? C


(1)
Start Sentinel
Always "%"
(2)
Format Code
Always "B"
(3)
Account Code
13 or 16 Characters
(4)
Separator
Always "^"
(5)
Cardholder Name
Variable Length
(6)
Separator
Always "^"
(7)
Expiration Date
4 Digits, YYMM Format
(8)
Service Code
3 Digits
(9)
PIN Verification Number
0 To 5 Digits
(10)
Optional Discretionary Data
Variable
(11)
End Sentinel
Always "?"
(12)
Check Character
1 Check Character

 



The following chart shows how Track II data is encoded:



;
4000111222333 = 9304 587 99999 0000000000000 ? C


(1)
Start Sentinel
Always ";"
(2)
Account Code
13 or 16 Characters
(3)
Separator
Always "="
(4)
Expiration Date
4 Digits. YYMM Format
(5)
Service Code
3 Digits
(6)
PIN Verification Number
0 To 5 Digits
(7)
Optional Discretionary Data
Variable
(8)
End Sentinel
Always "?"
(9)
Check Character
1 Check Character