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What do the numbers at the beginning of a credit card represent?

What number does the Bank of China credit card start with?

Different card organizations are different. Generally, the VISA organization starts with 4, the MasterCard organization starts with 5, and the UnionPay organization starts with 62. Please refer to the card for details.

The above content is for your reference, please refer to actual business regulations.

Why do credit cards always start with 6226? What does it mean?

Credit cards are becoming more and more commonly used in our daily lives, because numbers have good and bad qualities in the minds of everyone around the world, including the Chinese. 4 is a bad number and 8 is a good number, so for Some people are also very concerned about credit cards, so I won’t go into details on this, but in fact, using credit cards itself is also very particular. Let’s analyze it today.

A credit card is a string of numbers printed on the front of the card, usually 16 digits and up to 19 digits long.

16 digits are the current international standard. The first 6 digits of these 16 digits are the BIN code, which is the card issuing bank identification code; it is assigned by the international card organization; the 7th to 15th digits are the bank account , is customized by the card issuing bank, and is generally freely allocated according to regional affiliation; the 16th digit is the check digit, used to verify the validity.

There are currently six major credit card brands in the world, namely VISA, MasterCard, America Express, China UnionPay, Diners Club, and JCB Japan International Credit Card Company; Can we tell which brand it belongs to from the first digit of a credit card?

Why do UnionPay cards start with “62”?

The bank card is a number that identifies the card issuer and cardholder information. It consists of the following three parts: the card issuer identification code (BIN number), the card issuer's custom digit, and the verification code.

BIN number is the bank identification code, the full English name is BankIdentificationNumber. The BIN number is represented by 6 digits, and the first 6 digits appearing in the BIN are assigned by the International Organization for Standardization (ISO) to each bank card organization engaged in inter-bank transfer exchange.

Currently, domestic bank cards are divided into bank card organizations in different countries according to the number at the beginning of the number. Among them, bank cards starting with "9", "62", and "60" belong to China UnionPay, while UnionPay cards starting with “62” and “60” are UnionPay standard cards that comply with international standards and can be used abroad. They are also the main bank cards issued by China UnionPay in recent years.

In addition, bank cards starting with "4" in the BIN number belong to the VISA card organization (USA), while those starting with "5" belong to the MasterCard card organization (USA).

The first number is 6 - China UnionPay Single Currency Card or American Discover Card

Generally, those starting with 62 are UnionPay standard cards, which are also our most common and commonly used credit card brands. China UnionPay is a regional brand and is only issued within China.

What do the numbers 4, 5, and 6 at the beginning of credit mean?

It means different credit card organizations to cooperate with. Generally, the number starting with 4 is VISA, the number starting with 5 is MasterCard, and the number starting with 6 is UnionPay. .

Anatomy of the meanings of credit card numbers and their arrangement

1. Basic knowledge of credit cards

Credit is composed of a series of 16 digits. Cards starting with 4 are VISA cards, cards starting with 5 are MasterCard, JCB cards and American Express cards usually start with 3, and the most common China UnionPay card starts with 62.

2. The meaning of the credit card number arrangement

We take the Bank of China Great Wall Global Pass VISA chip credit card as an example to analyze the meaning of the credit card number. One ***16 digits, four digits One group, one *** four groups.

So what does this arrangement mean? Let’s take a look at the table below:

In this table, we can clearly see that the 1-6 digits in the bright yellow field are the card issuing bank identification code, which is the BIN code we are familiar with; The 7-15 digits in the khaki field are bank accounts (except for American Express cards, the same below). Its meaning is customized by the card issuer. Each bank has different definition standards, so we will not go into detail one by one; while the grass is green The 16th digit of the field is the check digit, which is called checkdigit in English. It is used to verify the validity. I will talk about how this number is calculated later.

3. Card Issuing Bank Identification Code (BIN Code)

Let’s first understand what is the Card Issuing Bank Identification Code (BIN Code). Many card friends know that this is a 6-digit number assigned to the bank by the card organization, but many people may not know exactly where it comes from.

The first six digits are called BIN, which is the abbreviation of the English BankIdentificationNumber; this group of numbers is also called IIN, which is the abbreviation of the English IssuerIdentificationNumber (Issuer Identification Number), which is in accordance with the ISO/IEC7812 document And formulated. These numbers help cardholders and merchants identify the card's issuer. Banks that comply with the ISO/IEC7812 standard are usually 16 bits and can be up to 19 bits. The standard structure is as shown in Table 1.

According to the ISO/IEC7812 specification, strictly speaking, the first one is MII--MajorIndustryIdentifier, which is the main industry identification code, which can easily help us identify the industry to which the card belongs. For example, numbers starting with 3 are allocated to the tourism, entertainment and banking/financial industries, numbers starting with 4 and 5 are fully allocated to the banking/financial industry, and numbers starting with 6 are allocated to commerce and banking/financial industries. The 2-6 digits are called IIN, which is the issuer identification number. Of course, we are discussing bank cards here, so there is no need to go into detail. Interested friends can search for information online by themselves. For the sake of simplicity, we still use the BIN code to refer to the first 6 digits of the bank card.

The IIN database and members are managed by the American National Standards Institute (ANSI) and updated monthly. The American National Standards Institute is responsible for assigning IIN ranges to issuing networks. UnionPay applies to this organization for an international standard card number starting with 62. There are many websites that provide BIN code query. We only need to enter the first 6 digits of the card to know the issuing country and bank of our card, as well as the card type. Here is a website for BIN code query. Friends who are interested may wish to query it themselves. Card types, of course the results are for reference only.

4. The 7th to 15th digits of the credit card

The 7th to 15th digits of the credit card, that is, the bank account, are all defined by the bank itself, and the rules of each bank are Different, everyone just needs to understand that this is their own bank account. Let me talk about the Bank of China Great Wall Global Pass Card. This set of account numbers for Great Wall Card is very interesting. He defines the 7-8 digits as the identification number of the provincial card issuing bank, such as 31 representing Shanghai, 32 representing Jiangsu, etc. The remaining 9-15 digits are your account number, and the last digit is still the verification code. Let’s look at Table 2 below to understand the structure with the characteristics of the Bank of China Great Wall Card:

By the way, I will also provide you with the identification number of the provincial issuing bank of the Great Wall Global Card:

Beijing 11. Tianjin 12, Hebei 13, Shanxi 14, Inner Mongolia Autonomous Region 15, Liaoning 21, Jilin 22, Heilongjiang 23, Shanghai 31, Jiangsu 32, Zhejiang 33, Anhui 34, Fujian 35, Jiangxi 36, Shandong 37, Henan 41, Hubei 42, Hunan 43. Guangdong 44, Shenzhen 48, Guangxi 45, Hainan 46, Chongqing 50, Sichuan 51, Guizhou 52, Yunnan 53, 54, Shaanxi 61, Gansu 52, Qinghai 53, Ningxia 64, Xinjiang 65

Yes Interested friends may wish to check the Great Wall Card in their hands.

5. The last digit of the verification code

Now the last digit of the card’s verification code remains to be mentioned, but before introducing the sixteenth digit of the verification code, Let's first learn a proper noun-------Luhn algorithm.

Luhn algorithm (Luhnalgorithm), also known as "Modulus10 or Mod10" algorithm, is a simple checksum algorithm, generally used to verify identity codes, such as card issuing bank identification. number, International Mobile Equipment Identity (IMEI), U.S. National Provider Identification Number, or Canadian Social Security Number. It was created by IBM scientist Hans Peter Luhn. He applied for a patent on January 6, 1954, and was certified on August 23, 1960. U.S. Patent No. 2950048.

This algorithm has been widely used. For example, the ISO/IEC7812-1 standard related to our credit card has adopted this algorithm. It is designed only to prevent accidental errors rather than malicious attacks. Many credit cards and numerous government identification numbers use this algorithm to extract valid digits from a series of random numbers, but China UnionPay does not use this algorithm, and it is unknown what algorithm is used.

We use the facts in this article to understand the characteristics of this algorithm and see how to calculate the last check code, which is check code 9

Calculation steps:

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1. In the third column, starting from the check digit, from right to left, multiply the even digits by 2, and then add the ones and tens digits of the two digits;

2. In the fourth column, add the obtained number to the odd digits of the original number string to get 71;

3. Get the single digit of the result, 1

4. Use 10 Subtract the single digit 1 to get 9, which is the last check code in the real card

Another algorithm is to follow the above steps 1-2 to calculate the total of 71, and then:

1. Multiply the result 71 by 9 to get 639,

2. Take the single digit 9 of the result, which is the check code

Now we know the last digit of the credit card The digit check code is calculated through the Luhn algorithm. Its function is to verify the validity of the card, rather than a random number printed on it generated by the bank's computer. Some popular online credit code generators also use this algorithm to generate credit codes. Although these are effective, they are still fake cards and cannot be used for real online transactions.

What do the numbers starting with 5242 and 6259 on Bank of China credit cards mean?

The number at the beginning of the credit card is related to the channels supported by the credit card. Credit cards with UnionPay channels start with 62, and credit cards with MasterCard channels start with 5. For specific suggestions, you can consult the Bank of China credit card customer service hotline at 4006695566.

The above content is for your reference, please refer to actual business regulations.

I would like to ask what does credit mean?

A credit card is a series of numbers printed on the front of the credit card, usually 16 digits. The current 16-digit credit card is stipulated by international standards. Generally speaking, the first 6 digits are BIN, which is assigned by the international card organization. The first 4 digits of the credit card are VISA cards, and the 5 represents Master. If it is 622126~622925, it means this is a UnionPay standard card.

The credit code starting with 6 is China UnionPay single currency card (or American discover), the credit code starting with 4 is the international brand VISA credit card (the world's first credit card organization), the credit code starting with 5 is the international brand MASTERCARD, and the credit code starting with 3 is Japan's JCB and the United States' AMERICANEXPRESS. The 7th to 15th digits are assigned to each row according to their own needs according to their regional affiliation, and the 16th digit is the check digit. Other non-16 digits are allocated by each bank.

For example, a user's new credit card application was successfully approved, starting with 489592. Then we can accurately determine the user's application based on what a credit card is and the rules for determining the credit card. The credit card I received was a VISA Platinum Credit Card.