Magtek mDynamo Programmer's Manual page 129

Appendix B - EMV Message Formats (EMV Only)
The device constructs the contents of tag DFDF4D, using EMV transaction data to emulate track 2 data as
though it came from an ISO/ABA magnetic stripe card. Much of the data is masked; the device sends a
specified mask character instead of the actual character from the transaction. The device provides
masking settings in Property 0x07 - ISO Track Mask, which allows the host software to specify
masking details for the Primary Account Number, the masking character to be used, and whether a
correction should be applied to make the Mod 10 (Luhn algorithm) digit at the end of the PAN be correct.
Table 8-1 provides an example of track 2 data as it would appear if the device sent it in the clear. Table
8-2 shows the same data as it might appear with a specific set of masking rules applied.
Table 8-1 – Sample ISO/ABA Swiped Track Data, Clear Text / Decrypted
Sample ISO/ABA Swiped Track Data, Clear Text / Decrypted
;6011000995500000=15121015432112345678?
Track 2
Table 8-2 – Sample ISO/ABA Swiped Track Data, Masked
;6011000020000000=15120000000000000000?
Track 2
Table 8-3 shows an example of track 2 data using unmasked placeholders to make it easier to see the
relative positions of the values embedded in the track data, and can be interpreted as follows:
•
and are Sentinels / delimiters.
? ;
•
The string of 5 s is the Account Number / PAN.
•
The string of s is the Expiration Date.
3
•
The string of s is the Service Code.
8
•
The remaining characters (
content and comes from the card, and must be interpreted according to the standards established by
issuers, payment brands, and so on.
Table 8-3 – Example Generic ISO/ABA Track Data Format
;5555555555555555=33338880004444006?
Track 2 Data
The device masks the data as follows:
•
The number of initial characters and trailing characters specified by Property 0x07 - ISO Track
Mask is sent unmasked. If Mod 10 correction is specified (see Property 0x07 - ISO Track Mask),
all but one of the intermediate characters of the PAN are set to zero; one of them is set such that last
digit of the PAN calculates an accurate Mod 10 check of the rest of the PAN as transmitted. If the
Mod 10 correction is not specified, all of the intermediate characters of the PAN are set to the
specified mask character.
•
The Expiration Date is transmitted unmasked.
•
The Service Code is always unmasked on newer devices.
•
All Field Separators are sent unmasked.
mDynamo| OEM Secure Card Reader Authenticator | Programmer's Manual (COMMANDS)
Sample ISO/ABA Swiped Track Data, Masked
s, s, and ) are Discretionary Data, which is of varying length and
0 4 6
Generic ISO/ABA Track Data Format
Page 129 of 167 (D998200151-200)