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Section 2. Communications
15
masked; all other card types are either entirely masked or sent totally in the clear. There is a
separate masking property for ISO/ABA cards and AAMVA cards. See the ISO Track Masking
property and the AAMVA Track Masking property for more information. (Refer to Appendix E.
Identifying ISO/ABA and AAMVA Cards for a description on how ISO/ABA and AAMVA
cards are identified.)
Each of these properties allows the application to specify masking details for the Primary
Account Number and Driver’s License / ID Number (DL/ID#), the masking character to be used,
and whether a correction should be applied to make the Mod 10 9
(
Luhn algorithm) digit at the
end of the number be correct.
Track 1 Masked Data
This field contains the Masked Track Data for track 1. All characters are transmitted.
For an ISO/ABA card, the PAN is masked as follows:
•
The specified number of initial characters is sent unmasked. The specified
number of trailing characters is sent unmasked. If Mod 10 correction is specified,
all but one of the intermediate characters of the PAN are set to zero; one of them
will be 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 Card Holder’s name and the Expiration Date are transmitted unmasked.
•
All Field Separators are sent unmasked.
•
All other characters are set to the specified mask character.
For an AAMVA card, the specified mask character is substituted for each of the characters read
from the card.
Track 2 Masked Data
This field contains the Masked Track Data for track 2.
For an ISO/ABA card, the PAN is masked as follows:
•
The specified number of initial characters are sent unmasked. The specified
number of trailing characters are sent unmasked. If Mod 10 correction is
specified, all but one of the intermediate characters of the PAN are set to zero;
one of them will be 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.
•
All Field Separators are sent unmasked.
•
All other characters are set to the specified mask character.
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