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The numbers on a credit card help identify the credit card network, the company that issued the card and the cardholder. Credit card numbers are either 15 or 16 digits, with each digit having its ...
Payment card numbers are composed of 8 to 19 digits, [1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN). [ 2 ] : 33 [ 3 ] The remaining numbers, except the last digit, are the individual account identification number.
Card Issuer. IIN. Card Type. American Express. 379741. American Express Credit. Bank of America. 480011. Bank of America Visa Gold. Capital One. 414709. Capital One Signature Visa
The CSC for each card (form 1 and 2) is generated by the card issuer when the card is issued. It is calculated by encrypting the bank card number and expiration date (two fields printed on the card) with encryption keys known only to the card issuer, and decimalising the result (in a similar manner to a hash function). [9] [10] [11]
The leading digit is the major industry identifier (MII), followed by 5 digits, which together make up the IIN. This IIN is paired with an individual account identification number, and a single digit checksum. [1] In 2015, ISO TC68/SC9 began work on implementing a change to ISO/IEC 7812 to increase the length of the IIN to 8 digits.
The typical credit card charges an interest rate of about 15 percent per year on balances, with some rising as high as 29 percent.
Track 2 can store up to 40 numeric or special characters; it uses a lower density magnetic encoding than Track 1 but a more compact character encoding. ISO 7813 specifies the following structure for track 2 data: [2] SS : Start sentinel ";" PAN : Primary Account Number, up to 19 digits, as defined in ISO/IEC 7812-1; FS : Field separator "="
American Express: Four digits on the front of the card, on the right-hand side above the card number Mastercard and Visa: Three digits on the back of the card at the right end of the signature field