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This track is written with a 5-bit scheme (4 data bits + 1 parity), which allows for sixteen possible characters, which are the numbers 0-9, plus the six characters : ?. This format was developed by the banking industry (ABA). Most reader devices do not return this value when the card is swiped to the presentation layer, and use it only to verify the input internally to the reader. Longitudinal redundancy check (LRC) - it is one character and a validity character calculated from other data on the track.End sentinel - one character (generally ‘?’).
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Discretionary data - may include Pin Verification Key Indicator (PVKI, 1 character), PIN Verification Value (PVV, 4 characters), Card Verification Value or Card Verification Code ( CVV or CVC, 3 characters).Expiration date - four characters in the form YYMM.
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Field Separator - one character (generally ‘^’).Usually, but not always, matches the credit card number printed on the front of the card. Primary Account Number (PAN) - up to 19 characters.Format code=”B” - one character (alpha only).Start sentinel - one character (generally ‘%’).Reserved for use by ANSI Subcommittee X3B10 and N-Z, which are available for use by individual card issuers.Reserved for proprietary use of the card issuer.Information on track 1 on financial cards is contained in several formats.