① Issuer name: indicates the issuer to which the card belongs. At present, in addition to 17 national banks, regional banks and foreign banks also have the conditions for issuing cards.
② Card BIN code: The first six digits of the bank card number are the BIN number (bank identification code), which is applied by the bank card organization to ISO (International Organization for Standardization) and assigned to the bank card organization.
The card organization corresponding to the BIN number is:
"62" begins with China UnionPay, card number 16.
"4" starts with VISA, and the card number is 16 digits.
"5" starts with MasterCard with card number 16 digits.
"35" begins with Japanese JCB, card number 16.
"34/37" begins with American Express. Card number 15 digits
"30/36" begins with the Dalai Lama. Card number 15 digits
Therefore, in many preferential activities carried out by UnionPay, bank cards starting with "62" will be required.
(3) Validity period: Validity period is an important content of identity verification when cardholders activate credit cards, shop online and other off-site operations.
Generally speaking, only credit cards will be printed with the effective date, month/year. If the cardholder fails to cancel the card at the designated outlet before the expiration date, the bank will reissue a new card according to the credit limit of the cardholder, and the card number will remain unchanged for the convenience of the cardholder.
(4) Cardholder's name: The name of a credit card holder is spelled in pinyin and capital letters. Some credit cards also indicate the gender of the cardholder, such as Mr. XXXX. The cardholder's name is also used for authentication when spending.
⑤ Card level: Card levels of card organizations are slightly different:
Puka: It's a basic payment product. The card face color will not use gold, platinum or black. There is generally no annual fee.
Gold card: It is a relatively high-end product in bank cards. The primary color of a gold card is generally metallic yellow. The English word "Gold" will be printed on the upper right corner of the card. The general annual fee can be offset by the number of consumption pens.
Platinum card: a high-end card with more value-added services than gold card. Common services include airport VIP lounge, golf service, road rescue, appointment registration, etc. Platinum cards generally use metal platinum as the basic color of the card, and the English word "platinum" is printed on the card. Generally, the annual fee cannot be reduced. Some platinum cards can reduce the annual fee through the number/amount of consumption, but some value-added services such as golf will be cancelled accordingly.
Diamond Card: It is the highest-level bank card, which can provide top-level value-added services for cardholders. For example, VIP boarding at the airport, upgrading of high-end hotel accommodation, free medical examination, personal butler and other distinguished services. Generally, metallic black is used as the background color of the card surface, Diamond elements are embedded in the card surface design, and the English word "diamond" is printed on the card. The annual fee is not deductible, ranging from several thousand yuan to tens of thousands of yuan.
⑥ Card organization logo: Card organization is a specialized organization responsible for building and maintaining the inter-bank network of bank cards and providing information transmission and fund settlement services.
At present, the main card organizations in the world are: China UnionPay, visa, MasterCard, American Express, Discovery Card, jcb, Diners and so on.
⑦ Flash payment logo: UnionPay contactless product logo. Anyone who has this logo on the card can spend money by swiping the card on the machine with this logo.
2. The back of the credit card
① Anti-counterfeiting logo: Domestic bank cards are mainly marked with "UnionPay" holographic anti-counterfeiting logo. The main scene of the "UnionPay" holographic anti-counterfeiting logo is the Temple of Heaven pattern, and the background is the horizontally arranged two-color Chinese character "Bank Card Alliance".
② Electronic cash logo: UPcash is the ic card transaction logo defined by UnionPay for offline micropayment. According to the regulations of the People's Bank of China, the upper limit of electronic cash account is 1 1,000 yuan, so it is impossible to report the loss at present.
③ Signature slip: The signature slip is where the cardholder keeps his signature. In case of card theft, if the transaction method set by the cardholder is "signature" and the signature on the signature strip is inconsistent with the signature on the purchase order, the cardholder may apply for recovery of losses.
If the transaction mode is "signature+password", if the password is leaked, even if the signature does not match, the cardholder will bear the loss of misappropriation.
④ Customer service telephone number: Fill in the customer service telephone number of the bank to which the card belongs here, and the cardholder can call this number for business consultation and related information consultation.
⑤CVV2 code: CVV2 is the security code of credit card, which is the security code of credit card when it is activated or traded online.
Generally, it is a 3-digit or 4-digit number printed on a credit card, and the printing position of different types of cards will be different. It is usually used to prove that the payer has a credit card at the time of transaction, thus preventing credit card fraud.
For the UnionPay standard card organized by UnionPay, it is called CVN2, VISA card is called CVV2, MasterCard is called CVC2, and American Express card is called CSC2.
⑥ Chip/magnetic stripe: At present, the bank cards circulating in the market are mainly divided into ic cards (chip cards), magnetic stripe cards and magnetic stripe chip composite cards.
The IC card is embedded with a chip; The magnetic stripe card has a loaded magnetic stripe at the upper end of the back of the bank card; Composite card is a kind of card with embedded chip and loaded with magnetic stripe.