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“Hi-Co” and “Lo-Co” are the quick way to refer to two types of magnetic tape media, “High Coercivity” and “Low Coercivity”.
A magnetic stripe card is a type of card capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card. The magnetic stripe, sometimes called a magstripe, is read by physical contact and swiping past a reading head.
Magnetic stripe coercivity
Lucas Color Card offers magstripes that come in two main varieties: high-coercivity (HiCo) at 4000 Oe and low-coercivity (LoCo) at 300 Oe but it is not infrequent to have intermediate values at 2750 Oe. High-coercivity magstripes are harder to erase, and therefore are appropriate for cards that are frequently used or that need to have a long life. Low-coercivity magstripes require a lower amount of magnetic energy to record, and hence the card writers are much cheaper than machines which are capable of recording high-coercivity magstripes. A card reader can read either type of magstripe, and a high-coercivity card writer may write both high and low-coercivity cards (most have two settings, but writing a LoCo card in HiCo may sometimes work), while a low-coercivity card writer may write only low-coercivity cards.
In practical terms, usually low coercivity magnetic stripes are a light brown color, and high coercivity stripes are nearly black; exceptions include a proprietary silver-colored formulation on transparent American Express cards. High coercivity stripes are resistant to damage from most magnets likely to be owned by consumers. Low coercivity stripes are easily damaged by even a brief contact with a magnetic purse strap or fastener. Because of this, virtually all bank cards today are encoded on high coercivity stripes despite a slightly higher per-unit cost.
Magnetic stripe cards are used in very high volumes in the mass transit sector, replacing paper based tickets with either a directly applied magnetic slurry or hot foil stripe. Slurry applied stripes are generally less expensive to produce and are less resilient but are suitable for cards meant to be disposed after a few uses.
Magnetic Tape Science
In materials science, the coercivity, also called the coercive field, of a ferromagnetic material is the intensity of the applied magnetic field required to reduce the magnetization of that material to zero after the magnetization of the sample has been driven to saturation. Coercivity is usually measured in oersted or ampere/meter units and is denoted HC.
Coercivity measures the resistance of a ferromagnetic material to becoming demagnetized. Coercivity can be measured using a B-H Analyzer.
Materials with high coercivity are called hard ferromagnetic materials, and are used to make permanent magnets. Permanent magnets find application in electric motors, magnetic recording media (e.g. hard drives, floppy disks, or magnetic tape) and magnetic separation.
A material with a low coercivity is said to be soft and may be used in microwave devices, magnetic shielding, transformers, or recording heads.
A number of International Organization for Standardization standards, ISO/IEC 7810, ISO/IEC 7811, ISO/IEC 7812, ISO/IEC 7813, ISO 8583, and ISO/IEC 4909, define the physical properties of the card, including size, flexibility, location of the magstripe, magnetic characteristics, and data formats. They also provide the standards for financial cards, including the allocation of card number ranges to different card issuing institutions.