"Each magstripe has three tracks of information," explains payments security expert Jeremy Gumbley, the chief technology officer of CreditCall, an electronic-payments company.

电子支付公司 CreditCall 的首席技术官、支付安全专家杰里米·冈布利解释说：“每个磁条都有三条信息轨迹。”

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Unlike credit scoring systems (like Fico) that can't see the layer of activity below credit card and loan payments, Fiserv tracks consumer accounts, debit card payments and online bill-pay habits.

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Tunecore, CD Baby and other music aggregators ingest audio tracks and populate them on music stores and subscription services and administer royalty payments.

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