![]() The only place where the real, clear PIN is stored. ![]() Based on this information, 3 sets of records are generated.Ī file is generated for the company that will literally print the plastic cards, and that you can see in the record above.Ī file is generated which will make SQL inserts of the data the bank will store so it can verify this card and PIN.Ī file is generated for the envelope printing service, which may contain the address and PIN number. This is plain text address information.Ī random number is being generated to uniquely identify this record, which may or may not be used. Next, we append the Address information, whick can consist of 2-7 records, depending on company. The Track1 and Track2 records have a specific format which you can see from the generation console. Of the card, just like recording with a casette player recorder. Track1 is not really used anymore, but Track2 is always used and it is printed on the magnetic stripe of the back The following 2 records are Track1 and Track2 data. The CVV encryption key is used to apply encryption to the data. The CVV is calculated from the card number, the expiration date, and Next, we need to calculate the CVV, the 3-digit number that gets printed on the back of the card. Nowdays there are cards issued by non-banks, like bank-in-an-app services. The Institution ID is the ID of the Bank or Next is the name that is printed on the card. The Expiration Date is a 4 digit number in theįormat of MMYY which means month as 2 digits, and year, also 2 digits. The correct card number is 4000340000000504 Generating the card recordsįor printing on the plastic card, this card number is split in 4 digits groups, with a blank space as a separator. The algorithm makes the Luhn check of the first 15 digits and appends the calculated digit, so This last digit is beingĬalculated with Luhn algorithm. To make calculate a correct card number, we call a function that takes the first 15 characters of this card number, so without the last digit. ![]() If you just press the "Generate Cards" button, an initial card number is
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