2014-03-27 6:51 GMT+07:00 Galih Aprilian <galih.april...@gmail.com>:

> Kartu kredit data yg digunakan untuk melakukan transaksi dan juga
> melakukan verifikasi thd kartu adalah data yg tersimpan dalam chip, bukan
> data yg tersimpan di magstripe.


betul, tapi tetap data yang tersimpan di magnetic stripe kartu kredit cukup
untuk melakukan transaksi model MOTO misalnya, mail order/telephone order,
tinggal nomor CVV yang cuma 3 digit yang dicatat secara fisik.

http://money.howstuffworks.com/personal-finance/debt-management/credit-card2.htm

The information on track one is contained in two formats: A, which is
reserved for proprietary use of the card issuer, and B, which includes the
following:

   - *Start sentinel* - one character
   - *Format code="B"* - one character (alpha only)
   - *Primary account number* - up to 19 characters
   - *Separator* - one character
   - *Country code* - three characters
   - *Name* - two to 26 characters
   - *Separator* - one character
   - *Expiration date or separator* - four characters or one character
   - *Discretionary data* - enough characters to fill out maximum record
   length (79 characters total)
   - *End sentinel* - one character
   - *Longitudinal redundancy check* (LRC) - one character LRC is a form of
   computed check character.

The format for track two, developed by the banking industry, is as follows:

   - *Start sentinel* - one character
   - *Primary account number* - up to 19 characters
   - *Separator* - one character
   - *Country code* - three characters
   - *Expiration date or separator* - four characters or one character
   - *Discretionary data* - enough characters to fill out maximum record
   length (40 characters total)
   - *LRC* - one character



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