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

1. The first digit of a credit card can distinguish the card issuing organization. Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards carrying the Visa logo, and cards starting with 5 are cards carrying the Master card. , cards starting with 3 are cards carrying the JCB logo. Digits 1-6 are the credit card BIN number. The BIN number is the bank identification code, and its full English name is BankIdentificationNumber.

2. BIN is represented by a 6-digit number and is assigned by the International Organization for Standardization (ISO) to each bank card organization engaged in inter-bank transfer exchange. The bank card number is the 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.

3. At present, domestic bank cards are divided into different bank card organizations according to the number at the beginning of the number. Among them, bank cards starting with the BIN number "4" belong to the VISA card organization, and those starting with "5" Those starting with "9", "62" and "60" belong to China UnionPay.

The 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.

Extended information

The most common domestic credit card digits are 16 digits (American Express card is 15 digits), which usually includes bank brand, card issuing organization, card issuing branch and other information. Taking the Bank of Communications credit card as an example, the 16 digits of the Bank of Communications credit card are composed of the following parts:

The 1st to 6th digits are the credit card BIN code. The first digit is the card organization code, of which 4 is the VISA card, 5 is the Master card, and 6 is the UnionPay single currency card; the 2-6 digits are the codes assigned to each bank by the card organization. For Bank of Communications credit cards , the top six credit cards of each type are as follows:

VISA general card 458123, Master general card 521899, UnionPay general card 622252, UnionPay business general card 628216.

VISA Gold Card 458124, Master Gold Card 520169, UnionPay Gold Card 622253, UnionPay Business Gold Card 628218.

VISA Platinum Card 434910, Master Platinum Card 522964, UnionPay Platinum Card 622656.

Baidu Encyclopedia-BIN Code

What is the difference between the Bank of China Platinum Credit Card with a 5-digit number and a 6-digit number with a 6-digit number?

The Bank of China Credit Card is organized by UnionPay and International The organization codes are issued together, and the starting numbers are 3, 4, 5, and 6, which correspond to the American Express organization, VISA organization, MasterCard organization, and UnionPay organization respectively.

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

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

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 has not been 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:

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:

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.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

Are there any credit cards that start with 5?

Yes, those with the master logo

MasterCard

are the ones that start with 5. UnionPay orders start with 6, VISA orders start with 4.

What is the difference between Bank of China’s credit cards starting with “5” and “4”?

MASTER and VISA are the two major credit card organizations in the world. There is no obvious difference in the financial functions of credit cards, but the rights and interests of each card organization are different. The MASTER credit card organization starts with 5, and the VISA credit card organization starts with 4. You can complete the credit card application online through Bank of China mobile banking, official website (), credit card WeChat official account, Colorful Life APP, and online banking. If there is a Bank of China branch near you, you can also bring your ID card and other valid documents, as well as proof of financial resources, income, etc., to the Bank of China branch to fill out the application form to apply.

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

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

This ends the introduction to credit cards starting with 5 and credit cards starting with 345. Have you found the information you need?