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A magnetic strip card is a magnetic recording medium card. It is made of high-strength, high-temperature resistant plastic or paper-coated plastic. It is moisture-proof, wear-resistant and flexible. It is easy to carry and stable and reliable. Usually, one side of the magnetic card is printed with explanatory information such as the card insertion direction, and the other side has a magnetic layer or a magnetic strip with 2-3 tracks for recording related information data. Widely used to manage public transportation, parking lots, telephones, cinemas, shipping, clubs, hotel rooms and bank card records.
A few basic concepts:
Anti-Magnetism: Simply speaking, it is used to measure the magnetic strip's ability to resist data loss due to external magnetic fields, also known as anti-demagnetization. The magnetic resonance (coercive force) unit is OE (Oster).
Low magnetic resistance strip: ordinary anti-demagnetization magnetic strip, the magnetic resistance is generally 300~650OE.
High magnetic strip: It has a high anti-demagnetization magnetic strip, and the magnetic resistance is generally 2750, 3500 and 4000 OE.
The standard of magnetic stripe card, international standard ISO/IEC7811-1, 2, 3, 4, 5, 6, national standard GB/T15120. The media, physical size, magnetic stripe data position, angle, magnetic strength, width of the magnetic stripe data bits, leading zero of the magnetic stripe data, and the like are specified in detail.
Second, the current status and problems of weak magnetic field of bank magnetic stripe cards
1. The problem of the magnetic stripe card itself - mainly the problem of not meeting the standard
Ø Magnetic card itself material problem: the use of poor materials, such as the card's protective layer is not perfect, reducing the card's life. And easy to wear, causing damage to the terminal;
ØTRACK (track) off position ØTRACK (track) overlap Ø Magnetic card AMPLITUDE (amplitude) exceeds ISO7811 AMPLITUDE SPEC standard
2, magnetic stripe card issue problems
Ø The write card is bad. When some card issuers write data to the magnetic stripe card, some of the write magnetic card implements are manual, so the data written in is not standardized, which is easy to cause misreading or reading. Such as data position deviation, angular deviation of magnetic stripe data, magnetic stripe data bit width, magnetic card data bit leading and trailing 0 is not standardized;
Ø The state after the data is written is not good, and data overlap occurs.
Ø Some card writers cannot write high-density magnetic cards;
3. Problems with the terminal
Ø The magnetic card reading module of some terminals does not meet the standard, resulting in low success rate of card swiping;
Ø Some of the terminal design is lacking, and the card is not smooth and the card is not successful;
Ø The environment in which the POS terminal is used causes the reading of the card to be ineffective. Some terminals are used in places where there are some sands, dust and oil stains.
Ø Some terminals support two-way card printing but improper handling of front and rear guidance 0;
4, cardholder magnetic card storage, POS terminal maintenance and other issues
Ø POS terminal maintenance problem, in the current issuer of the terminal, the merchant is a direct user, but not the owner, there is a problem in maintenance.
Ø Customer custody problems, possible causes:
Contact the bank card with high-magnetic items, such as mobile phones, walkmans, etc.; because the magnetic strip of the bank card is easily magnetized to contact the bank card with high-temperature objects or in a high-temperature environment, the bank card is in contact with hard and sharp objects, so as to avoid Scratch and wear magnetic strips put two magnetic cards back to back together, and the magnetic media rubs and collides with each other, thus causing damage
5, management issues
Ø Card standard compliance detection problem Ø Terminal standard compliance detection problem Ø Card usage time, bad card recycling problem
Standard compliance is the most important issue. If the production and inspection of cards, card-writing devices and POS terminals are not produced, distributed, and inspected according to standards, it is difficult to unify and there will be more problems.
Third, the solution to the problem and suggestions - fully learn from the practices of international developed countries or international organizations
1, the magnetic stripe card itself
Ø Require card issuers to adopt high anti-magnetic cards to phase out the low-magnetic cards currently in use.
MasterCard International's solution to magnetic stripe demagnetization is to convert the MasterCard in circulation to a high-density magnetic strip before December 2002. According to MasterCard member banks, some banks that use high-density magnetic strips and low-density magnetic strips at the same time have a 70% high-density magnetic stripe, and their card read and write error rates have dropped by half. Even some banks that have adopted high-density magnetic strips report that the read/write error rate of high-density magnetic strips is less than 0.2%. The table below provides a set of data for a MasterCard member bank showing the significant results achieved with high-density magnetic strips. 
Ø Set the age of the card (usually 3 years in Europe and America).
2, the card issuing device of the card issuer
Ø The card issuing mechanism must use a push-pull (plug-in) / electric magnetic card writer to avoid the bad or non-standard writing of the magnetic card caused by human factors. Eliminate the manual card writer.
Ø Write card equipment must have high-density write head Ø Regularly check and maintain the used card-issuing equipment
3. Standard compliance and detection and maintenance of the terminal magnetic card reading module
Ø Terminals are strictly inspected according to the relevant standards of ISO. Ø Terminals are strictly inspected according to relevant national standards. Ø Terminal software provides support: manual input of card numbers. In order to avoid the problem that some cards cannot be read, use manual input to solve the problem. Ø Regularly clean the reader of the terminal.
4, user and merchant use training, card recycling management
Ø Do not touch bank cards with high-magnetic items, such as mobile phones, walkmans, etc.
Ø Do not touch the bank card with high temperature objects or put it in a high temperature environment;
Ø Do not touch the bank card with hard and sharp objects to avoid scratching and wearing magnetic strips;
Ø Do not put two magnetic cards back to back together, make the magnetic media rub against each other and suffer damage. Ø Train the merchants to operate, teach simple operation rules, terminal maintenance methods, etc. Ø notify cardholders in time for expired cards, etc.
5, management
Ø Strictly test the card, card writing device and POS terminal entering the market;
Ø Establish market access mechanism