Different card organizations are different. Generally, VISA organization starts with 4, MasterCard organization with 5 and UnionPay organization with 62. Please refer to the card display for details.
The above contents are for your reference. Please refer to the actual business regulations.
Why do credit cards start with 6226? What does this mean?
Credit cards are more and more commonly used in our daily life, because numbers are good or bad in people's minds all over the world, including China people. Four are bad numbers and eight are good numbers, so some people also care about credit cards. I won't say much about this. In fact, the credit card itself is also very particular. Today we will analyze it.
A credit card is a series of numbers printed on the front of the card. Generally, it is 16 digits, and the longest number is 19 digits.
16 is the current international standard, and the first 6 digits of 16 are the BIN code, that is, the issuer identification code; Allocated by the international card organization; The 7th to15th digits are bank accounts, which are customized by the issuing bank and generally distributed freely according to the regional ownership; 16 bits are parity bits to verify validity.
At present, there are six major credit card brands in the world, namely VISA, Master, AmericaExpress, China UnionPay, DinersClub and JCB Japan International Credit Card Company. We can judge which brand a credit card belongs to from the first number.
Why does UnionPay card start with "62"?
A bank card is a number that identifies the information of the issuer and the cardholder. It consists of the following three parts: the issuer's identification code (BIN number), the issuer's self-defined bit, and the check code.
BIN number is the bank identification code, and the full English name is BankIdentificationNumber. BIN number is represented by 6 digits, appearing in the first 6 digits, and is assigned to all bank card organizations engaged in inter-bank transfer exchange by the International Organization for Standardization (ISO).
At present, domestic bank cards are divided into bank card organizations in different countries according to their numbers. Among them, the bank cards starting with "9", "62" and "60" belong to China UnionPay, while the UnionPay cards starting with "62" and "60" are UnionPay standard cards that meet international standards and can be used overseas, which is also the main bank card issued by China UnionPay in recent years.
In addition, the bank card starting with "4" in the BIN number belongs to VISA Card Organization (USA), and the bank card starting with "5" belongs to MasterCard Card Organization (USA).
The first number is 6- China UnionPay single currency card or American Discovery card.
Generally, UnionPay standard cards start with 62, which is also our most common and commonly used credit card brand. China UnionPay is a regional brand, which is only issued in China.
What do the first numbers 4, 5 and 6 in the letter of credit mean respectively?
The credit card organizations representing cooperation are different. Generally, 4 starts with VISA, 5 starts with MasterCard, and 6 starts with UnionPay.
Analyze the meaning of each number of credit card and its arrangement order
1, credit card basics
Credit consists of a series of 16 digits. The card starting with 4 is VISA, the card starting with 5 is MasterCard, JCB card and American Express card usually start with 3, and the most common card of China UnionPay starts with 62.
2, the meaning of credit card number arrangement
Taking the Great Wall Global Connect VISA chip credit card of China Bank as an example, we dissect the digital meaning of the credit card, which consists of *** 16 digits, a group of four digits and a group of * * *. So what does this arrangement mean? Let's look at the table below:
In this table, we can clearly see that the 1-6 bit in the bright yellow field is the identification code of the issuing bank, which is the familiar BIN code; Huang Tu domain 7- 15 is a bank account (except American Express, the same below), and its meaning is defined by the issuing bank. The definition standards of each bank are different, so I won't elaborate on them one by one. The 16 bit of the grass green field is the check code, which is called checkdigit in English. It is used to verify the validity. I'll talk about how to calculate this number later.
3. Issuer identification code (BIN code)
Let's first understand what is the issuer identification code (BIN code). Many card friends know that this is the 6-digit number assigned to the bank by the card organization, but how it came from may not be clear to many people.
The first six digits are called BIN, which is the abbreviation of English BankIdentificationNumber; This set of numbers, also known as IIN, is the abbreviation of the English IssueIdentificationNumber (IssueIdentificationNumber), which is formulated according to the ISO/IEC78 12 document. These numbers can help cardholders and merchants identify the issuer of bank cards. Banks that meet the ISO/IEC78 12 standard usually have 16 digits, which can reach 19 digits at the longest. The standard structure is shown in table 1.
According to ISO/IEC78 12, the first one is strictly MII MII-MajorIndustryIdentifier, which is the main industry identifier, and can help us to identify the industry to which the card belongs conveniently. For example, numbers starting with 3 are allocated to tourism, entertainment and banking/finance, numbers starting with 4 and 5 are fully allocated to banking/finance, and numbers starting with 6 are allocated to business and banking/finance. The 2-6 digits of are called IIN, which is the identification number of the issuer. Of course, we are talking about bank cards here, so we don't need to be so detailed. Interested friends can go online to find information themselves. For simplicity, we still use BIN code to address the first 6 digits of the bank card.
IIN database and its members are managed by American National Standards Institute (ANSI) and updated once a month. The American National Standards Institute is responsible for assigning IIN ranges to distribution networks. UnionPay will apply to the organization for an international standard card number starting with 62. There are many websites that provide BIN code queries. As long as we enter the first 6 digits of the card, we can know our issuing country and bank and the card type. Here is to introduce a BIN code query website for everyone. Interested friends may wish to check their card types. Of course, the results are for reference only.
4.No. 7- 15.
The 7th-15th position of a credit card, that is, the bank account, is defined by the bank itself, and the rules of each bank are different. You just need to understand that this is your own bank account. Here, I want to say a little more about the Great Wall Global Pass Card of China Bank. This set of accounts of Great Wall Card is very interesting. He defined 7-8 digits as the identification number of provincial card issuing banks, such as 3 1 in Shanghai, 32 in Jiangsu and so on. The remaining 9- 15 digits are your account number, and the last digit is the check code. Let's take a look at Table 2 below to understand the structure and characteristics of the Great Wall Card of China Bank:
By the way, I will provide you with the identification number of the provincial card issuer of Great Wall Global Card:
Beijing 1 1, Tianjin 12, Hebei 13, Shanxi 14, Inner Mongolia Autonomous Region 15, Liaoning 2 1, Jilin 22, Heilongjiang 23 and Shanghai 3/. Guangdong 44, Shenzhen 48, Guangxi 45, Hainan 46, Chongqing 50, Sichuan 5 1, Guizhou 52, Yunnan 53, 54, Shaanxi 6 1, Gansu 52, Qinghai 53, Ningxia 64 and Xinjiang 65.
Interested friends may wish to compare the Great Wall card in their hands.
5, the last check code
Now there is only the last check code of the card, but before introducing the sixteenth check code, let's learn a proper term-Luhn algorithm.
Luhnalgorithm, also known as "modulus 10 algorithm" (MODU 10 or Mod 10), is a simple checksum algorithm, which is generally used to verify identity codes, such as the issuer's identity code, the international mobile equipment identification number (IMEI), the national provider identification number of the United States or the social security number of Canada. Invented by IBM scientist HansPeterLuhn,/kloc-0 applied for a patent on June 6, 954, and granted on August 23, 960, with the U.S. patent number of 2,950,048.
This algorithm has been widely used, such as ISO/IEC78 12- 1 standard related to our credit card. It is designed to prevent accidental mistakes, not malicious attacks. Many credit cards and many government identification numbers use this algorithm to extract valid numbers from a series of random numbers, but China UnionPay does not use this algorithm, and it is still unknown what algorithm to use.
Let's use the truth in this paper to understand the characteristics of this algorithm and see how the last check code, that is, check code 9, is calculated.
Calculation steps:
1. The third column, starting from the parity bit, from right to left, multiplies the even number by 2, and then adds the single digits of the two digits to the ten digits;
2. In the fourth column, the odd digits of the obtained number and the original number string are added to obtain 71;
3. The unit number of the result is 1.
4. Subtract 1 0 from1to get 9, which is the last check code in the real card.
Another algorithm is to calculate the sum of 7 1 according to the above step 1-2, and then:
1. Result 7 1 times 9 to get 639.
2. The single digit of the result is 9, which is the check code.
Now we know that the last check code of the credit card is calculated by Luhn algorithm, and its function is to verify the validity of the card, instead of randomly generating a number in the bank computer and printing it out. Some popular online credit code generators also use this algorithm to generate credit codes. Although this algorithm is effective, it is still a fake card and cannot be used for real online transactions.
What do China Bank credit cards 5242 and 6259 mean at the beginning?
The number at the beginning of the credit card is related to the channel supported by the credit card. Single UnionPay channel credit card starts with 62 and MasterCard channel credit card starts with 5. For details, please contact China Bank Credit Card Customer Service Hotline at 4006695566.
The above contents are for your reference. Please refer to the actual business regulations.
I want to ask what credit means.
A credit card is a series of numbers printed on the front of a credit card, usually 16 digits. The current 16 digit credit card is stipulated by international standards. Generally speaking, the top 6 digits are BIN, which is allocated by the international card organization. The first number of a credit card is VISA, and 5 stands for Master. If it is 622 126~622925, it means that it is a UnionPay standard card.
6 starts with China UnionPay single currency card (or American discover), credit code 4 starts with international brand VISA credit card (the first credit card organization in the world), 5 starts with international brand MASTERCARD, and 3 starts with Japanese JCB and AMERICANEXPRESS. The 7th bit-15 bits are allocated according to their own needs, and 16 bits are parity bits. Other non-16 bits are allocated by the bank.
For example, if a new credit card applied by a user is approved, starting from 489592, then we can accurately judge that the credit card applied by this user is a VISA Platinum credit card according to what is a credit card and the rules for determining the credit card.