Cvv encode string

[kidomangp]

Embossing:
Card holder : L. PADILLA
Card number*: 1234 5678 9012 3445
Expiration : 01/99
*The card number (PAN) uses, as most of the credit and debit cards, the Luhn Check Digit Algorithm. Valid numbers must comply with the following rule. If the card number has an even number of digits, then the adding up of the even numbered digits plus the odd numbered digits doubled (minus 9 if the doubled digit is greater than 9) has to be multiple of 10. If the card number has an odd number of digits, then the same applies but doubling even (instead of odd) numbered digits. Using the example above:
2 x 1 + 2 + 2 x 3 + 4 + 2 x 5 - 9 + 6 + 2 x 7 - 9 + 8 + 2 x 9 - 9 + 0 + 2 x 1 + 2 + 2 x 3 + 4 + 2 x 4 + 5 = 70 and therefore the number in the example is a valid number for a credit or debit card.
Actually is the other way round, the last digit of the card number is calculated so that the whole number complies with Luhn Check, therefore the last digit is called check digit.

Track 1:
%B1234567890123445^PADILLA/L. ^99011200000000000000XXX****?*
^^^ ^^ ^^ ^ ^ ^ ^^
|||_ Card number ||_ Card holder || | | |_ CVV** ||_ LRC
||_ Format code |_ Field separator || | | |_ End sentinel
|_ Start sentinel Field separator || | | Discretionary data
Expiration | | Service code
Track 2:
;1234567890123445=99011200XXXX00000000?*
^^ ^^ ^ ^ ^^
||_ Card number || | |_ Encrypted||_ LRC
|_ Start sentinel|| | PIN*** |_ End sentinel
|| |_ Service code
Field separator || Expiration
Track 3:
;011234567890123445=724724100000000000030300XXXX040400099010=********************==1=0000000000000000?
^^ ^ ^^ ^ ^ ^ ^ ^ ^^ ^ ^ ^^ ^^^^^ ^^
|| | || | |_ Currency | | | || | | ||_ First subsidiary |||||_ Additional ||
|| | || | exponent | | | || | | | account number (FSAN)|||| data ||
|| |_ Card number || |_ Currency | | | || | | |_ Field separator ||||_ Field ||_ LRC
||_ Format code || (Peseta) | | | || | |_ Expiration ||| separator |_ End sentinel
|_ Start sentinel ||_ Country (Spain) | | | || |_ FSAN service restriction |||_ Relay marker
|_ Field separator | | | ||_ PAN service restriction ||_ Field separator
Cycle length | | | | Interchange control |_ Field separator
Retry count | | Encrypted PIN
**The CVV (Card Verification Value) is a cryptographic signature of the card number, the expiration date and the service code to verify the integrity of these data in the track. It is calculated with an algorithm similar to that of PIN encryption.

***The PIN (Personal Identification Number) is basically encrypted as follows. The card number is taken as an hexadecimal number and is encrypted with the DES algorithm using a secret key, which is called the "PIN key". The first four digits are decimalized (i.e., A = 0, B = 1, ...) and are called the "natural PIN". An offset is added (without carry) to the natural PIN in order to obtain the customer PIN. The customer PIN may be changed but the natural PIN cannot. The offset is what is written in track 3 and I called the "encrypted PIN". Here you have an example:
Card number: 1234567890123445hex input for DES.
PIN key: 0123456789ABCDEFhex key for DES.
Encrypted card number: 9A466AD30DFE0381hex output from DES.
Natural PIN: 9046.
Offset: 2298 (this number is written on track 3).
Customer PIN: 1234.
See also the original VISA scheme and a discussion on other systems. See the two much more detailed and complete documents linked in my main page for magnetic stripe cards.
Caja Madrid VISA or VISA Electron card:

Embossing or printing:
Card holder: L. PADILLA
Card number: 1234 5678 9012 3445
Expiration : 01/99
Track 1:
%B1234567890123445^PADILLA/L. ^99011X100000000000000XXX000000?
^^^ ^^ ^^ ^ ^ ^ ^^
|||_ Card number ||_ Card holder || | | |_ CVV ||_ LRC
||_ Format code |_ Field separator || | | |_ End sentinel
|_ Start sentinel Field separator || | | Discretionary data
Expiration | | Service code: 101 for VISA and 121 for VISA Electron
Track 2:
;1234567890123445=99011X10XXXXXXX00000?*
^^ ^^ ^ ^ ^ ^^
||_ Card number || | | |_ CVV ||_ LRC
|_ Start sentinel|| | | |_ End sentinel
Field separator || | | Encrypted PIN (except if duplicate card)
Expiration | | Service code: 101 for VISA and 121 for VISA Electron
Track 3:
;011234567890123445=724724000000000***00300XXXX020200099010=******************==1=100000000000000000?
^^ ^ ^^ ^ ^ ^ ^ ^^ ^ ^ ^^ ^^^^^ ^^
|| | || |_ Currency | | | || | | ||_ FSAN ||||| ||
|| |_ Card number || (Peseta) | | | || | | |_ Field separator |||||_ Additional data ||_ LRC
||_ Format code ||_ Country | | | || | |_ Expiration ||||_ Field separator |_ End sentinel
|_ Start sentinel | (Spain) | | | || |_ FSAN service restriction |||_ Relay marker
|_ Field | | | ||_ PAN service restriction ||_ Field separator
separator | | | |_ Interchange control |_ Field separator
Validity date | | | Encrypted PIN (except if duplicate card)
(except if duplicate card) |_ Retry count
Uno-e VISA Electron card:

Printing:
Card holder: L. PADILLA
Card number: 1234 5678 9012 3445
Expiration : 01/99
Track 1:
%B1234567890123445^PADILLA/L. ^99011211XXXX0000000XXX0000?
^^^ ^^ ^^ ^ ^^ ^ ^ ^^
|||_ Card number ||_ Card holder || | || |_ Discr. |_ CVV ||_ LRC
||_ Format code |_ Field separator || | || data |_ End sentinel
|_ Start sentinel Field separator || | || PVV*
Expiration | | | PVV key indicator
|_ Service code
Track 2:
;1234567890123445=99011211XXXXXXX00***?*
^^ ^^ ^ ^^ ^ ^^
||_ Card number || | || |_ CVV ||_ LRC
|_ Start sentinel|| | ||_ PVV* |_ End sentinel
Field separator || | | PVV key indicator
Expiration | | Service code
Track 3: