User:Rajrajasthan
The numbers found on credit cards and bank cards have a certain amount of internal structure, and share a common numbering scheme. Credit card numbers are a special case of ISO/IEC 7812 bank card numbers.
An ISO/IEC 7812 number contains a single-digit Major Industry Identifier (MII), a six-digit Issuer Identification Number (IIN), an account number, and a single digit check sum calculated using the Luhn algorithm. The MII is considered to be part of the IIN.
The term "Issuer Identification Number" (IIN) replaces the previously used "Bank Identification Number" (BIN). See ISO/IEC 7812 for more information.
Prefixes
[edit]![](https://upload.wikimedia.org/wikipedia/commons/f/f9/Credit_card-first_4_digits.jpg)
The card number's prefix is the sequence of digits at the beginning of the number that determine the credit card network to which the number belongs. The first 6 digits of the credit card number are known as the Issuer Identification Number (IIN). These identify the institution that issued the card to the card holder. The rest of the number is allocated by the issuer. The card number's length is its number of digits. all credit card are different so it is difficult to give an exact number.
Cards participating in the IIN system include:
In the States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for realtime claims. Each processor has one or more IINs, which it divides into plans by using Group Number and Processor Control Number fields.
Online merchants may use IIN lookups to help validate transactions. For example, if the credit card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.
The prefixes and lengths for the most common card types are:
Card Type | Prefix(es) | Active | Length | Validation | Symbol for coverage chart |
---|---|---|---|---|---|
united Express | 34, 37[1] | Yes | 15[2] | Luhn algorithm | AmEx |
Bankcard[3] | 5610, 560221-560225 | No | 16 | Luhn algorithm | BC |
China UnionPay | 622 (622126-622925) | Yes | 16-19 | unknown | CUP |
Diners Club Carte Blanche | 300-305 | Yes[4] | 14 | Luhn algorithm | DC-CB |
Diners Club Bold textenRoute | 2014, 2149 | No | 15 | no validation | DC-eR |
Diners Club International[5] | 36 | nothing | 14 | Luhn algorithm | DC-Int |
Diners Club US & Canada[6] | 54, 55 | no | 16 | Luhn algorithm | DC-UC |
Discover Card[7] | 6011, 60112-60114, 601174, 601177-601179, 601186-601199, 622126-622925, 644-649, 65 | Yes | 16 | Luhn algorithm | Disc |
JCB[7] | 3528-3589 | Yes | 16 | Luhn algorithm | JCB |
JCB (obsolete)[citation needed] | 1800,2131 | No | 15 | Luhn algorithm | JCB |
Laser (debit card) [citation needed] | 6304, 6706, 6771, 6709 | Yes | 16-19 | Luhn algorithm / unknown? | Lasr |
Maestro (debit card) | 5018,5020,5038,6304,6759,6761 | Yes | 12-19 | Luhn algorithm | Maes |
MasterCard | 51-55 | Yes | 16 | Luhn algorithm | MC |
Solo (debit card) | 6334, 6767 | Yes | 16,18,19 | Luhn algorithm | Solo |
Switch (debit card) | 4903,4905,4911,4936,564182,633110,6333,6759 | Yes | 16,18,19 | Luhn algorithm | Swch |
Visa | 4[1] | Yes | 13,16[8] | Luhn algorithm | Visa |
Visa Electron | 417500,4917,4913,4508,4844 | Yes | 16 | Luhn algorithm | Visa |
On November 8, 2004, MasterCard and Diner's Club formed an alliance. Cards issued in Canada and the USA start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the US, but are treated as Diner's Club cards elsewhere. Diner's Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diner's Club cards beginning with 30, 36, 38 or 39 will be processed by Discover Card. "Discover Network - IIN Range Update" (PDF). Retrieved 2009-01-28.
Effective October 1, 2006, Discover will now be using the entire 65 prefix, not just 650. Also, similar to the MasterCard/Diner's agreement, China Union Pay cards are now treated as Discover cards and accepted on the Discover network.
A search on VISA's website results in many references to card numbers being 16 digits long. However, searching for references to 13-digit cards will turn up no results. All 13-digit account numbers have since been migrated to 16-digit account numbers. At least 2 different schemes were devised for this which included postpending 3 digits to the very end of the account number, and, in more rare cases, inserting 3-digits immediately preceding the (former) final 3-digits (of the old 13-digit number).
Switch was rebranded as Maestro in mid 2007. Maestro is now VISA Electron's main competitor in the European debit card market.
Solo can be used outside of Britain if the card displays Maestro.
Coverage chart
[edit]digits | 00- 17 | 1800 | 1801- 2013 | 2014 | 2015- 2130 | 2131 | 2132- 2148 | 2149 | 215- 299 | 300- 305 | 306- 33 | 34 | 35 | 36 | 37 | 38 | 39 | 4 | 50 | 51- 55 | 560000- 560220 | 560221- 560225 | 560226- 5609 | 622126- 622925 | 622926- 649 | 65 | 66- 9 |
13 | Visa | ||||||||||||||||||||||||||
14 | DC-CB | DC-Int |
… ‘ “ ’ ” ° ″ ′ ≈ ≠ ≤ ≥ ± − × ÷ ← → · § |
||||||||||||||||||||||||
15 | JCB | DC-eR | JCB | DC-eR | … ‘ “ ’ ” ° ″ ′ ≈ ≠ ≤ ≥ ± − × ÷ ← → · §
Section linking[edit]In the HTML code for each section there is an anchor with both "name" and "id" attributes holding the section title. This enables linking directly to sections. These section anchors are automatically used by MediaWiki when it generates a table of contents for the page, and therefore when a section heading in the ToC is clicked, it will jump to the section. Also, the section anchors can be manually linked directly to one section within a page. The HTML code generated at the beginning of this section, for example, is: <p><a name="Section_linking" id="Section_linking"></a></p> <h2>Section linking</h2> A link to this section (Section linking) looks like this:
To link to a section in the same page you can use [[#section name|displayed text]], and to link to a section in another page [[page name#section name|displayed text]]. The anchors disregard the depth of the section; a link to a subsection or sub-subsection etc. will be [[#subsection name]] and [[#sub-subsection name]] etc. An underscore and number are appended to duplicate section names. E.g. for three sections named "Example", the names (for section linking) will be "Example", "Example_2" and "Example_3". However, after editing section "Example_2" or "Example_3" (see below), one, confusingly, arrives at section "Example" from the edit summary. If a section has a blank space as heading, it results in a link in the TOC that does not work. For a similar effect see NS:0. To create an anchor target without a section heading, you can use a span: <span id="anchor_name"></span> but this won't work with some very old browsers. Notes:
For linking to an arbitrary position in a page see linking to a page. Section linking and redirects[edit]A link that specifies a section of a redirect page corresponds to a link to that section of the target of the redirect. A redirect to a section of a page may also work in some environments (see bug 218), try e.g. the redirect page Section linking and redirects. (One might have to force reload CSS style sheets.) A complication is that, unlike renaming a page, renaming a section does not create some kind of redirect.
Redirect pages can be categorized by adding a category tag after the redirect command. In the case that page links to the section; however, unless an explicit link is put, the section does not link to the category. On the category page redirects are displayed with class redirect-in-category, so they can be shown in e.g. italics; this can be defined in MediaWiki:Common.css. See also Wikipedia:Categorizing redirects. |
- ^ a b "Card Security Features" (PDF). Retrieved 2006-04-05.
- ^ "American Express Fraud Prevention Handbook - Pg 13" (PDF). Retrieved 2006-04-05.
- ^ "Bankcard Association of Australia". Retrieved 2006-04-05.
- ^ Insert footnote text here
- ^ "MasterCard Diner's Club Alliance". Retrieved 2006-04-05.
- ^ "Diner's Club - Fraud Management". Retrieved 2007-01-26.
- ^ a b "Discover Network - IIN Range Update" (PDF). Retrieved 2008-10-23.
- ^ "Cardholder Identification and Authentication". Retrieved 2006-04-05.
Text is available under the CC BY-SA 4.0 license; additional terms may apply.
Images, videos and audio are available under their respective licenses.