本标准定义了金融交易卡发卡机构的服务点计算机系统之间的行业间数据交换规范。它旨在促进根据美国国家信用卡标准规范ANSI X4发行的交易卡的交换。13-1971，美国国家标准信用卡磁条编码-轨道3，ANSI X4。16a-1977年。本文定义的数据记录用于:（1）维护远程文件数据库（2）向发行人提供授权建议（3）向发行人提供交易建议（4）定义授权查询和响应记录数据元素和记录格式。本标准不包括消息格式、通信协议或传输特性。

This standard defines specifications for interindustry exchange of data between point-of-service computer systems of financial transaction card issuers. It is intended to facilitate the exchange of transaction cards issued in accordance with American National Standard Specifications for Credit Cards, ANSI X4.13-1971, American National Standard Magnetic Stripe Encoding for Credit Cards - Track 3, ANSI X4.16a-1977. The data records defined herein provide for: (1) Maintenance of remote file data bases (2) Authorization advice to issuers (3) Transaction advice to issuers (4) Authorization inquiry and response Record data elements and record formats are defined. This standard does not cover message formats, communications protocols, or transmission characteristics.