Payment card number , main account number ( PAN ), or just card number , is the card identifier found on the card payments, such as credit and debit cards, as well as stored value cards, gift cards and other similar cards. In some situations, the card number is referred to as bank card number . The card's primary number is the card's identifier and does not directly identify the bank account number associated with the card by the issuing company. The card prefix identifies the card issuer, and the following digits are used by the issuing organization to identify the cardholder as a customer and which is then associated by the issuing organization with the customer's designated bank account. In the case of a stored value type card, customer-specific relationships are only made if prepaid cards can be reloaded. Card numbers are allocated in accordance with ISO/IEC 7812. Card numbers usually appear clearly on the front of payment cards, and are encoded on magnetic strips and pieces.
Payment card numbers differ from Business Identification Codes (BIC/ISO 9362, normalized code - also known as Business Identification Code, International Code Bank, and SWIFT code). This is also different from the Universal Pay Identification Code, another identifier for bank accounts in the United States.
Video Payment card number
Structure
The six digit card number shown is the publisher identification number (IIN), sometimes referred to as the "bank identification number (BIN)". The remaining number on the card except the last digit is the identification number of the individual account. The last digit is Luhn check digit. IIN and PANS have a certain level of internal structure and share common numbering schemes established by ISO/IEC 7812. Payment card numbers are 8 to 19 digits, as follows:
- The six digit Issuer Identification Number (IIN), the first digit which is the primary industry identifier (MII)
- variable length (up to 12 digits) individual account identifier
- a single digit check is calculated using the Luhn algorithm
Maps Payment card number
Publisher identification number (IIN)
The first six digits of the card number (including the original digits of MII) are known as the publisher identification number (IIN). It identifies the card issuing institution that issues the card to the cardholder. The remaining numbers are allocated by the card issuer. Card number long is the number of digits. Many card issuers print entire IINs and account numbers on their cards.
In the United States, IIN is also used in NCPDP pharmaceutical claims to identify processors, and is printed on all pharmaceutical insurance cards. IIN is the primary routing mechanism for real-time claims.
List of ISO databases of Publisher Identification Numbers maintained by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IIN to issuers.
Online merchants can use IIN search to help validate transactions. For example, if an IIN card shows a bank in one country, while a customer's billing address is in another, transactions may require extra scrutiny.
On November 8, 2004, MasterCard and the Diners Club formed an alliance. Diners Club cards issued in Canada and the United States begin with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. The Diners Club International website does not refer to an old 38 prefix number, and they may be considered reissued with a 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.
On November 3, 2014, MasterCard announced that it introduced a new series of BIN ranges beginning with "2" (222100-272099). The BIN series "2" will be processed the same as the current BIN "51-55" series. They became active October 14, 2016.
On July 23, 2014 JSC NSPK was established in the Russian Federation. The National System of Payment Cards (NSPK) joint venture company is the operator of the Mir National Payment System . The main initiative of NSPK is to create a national payment system infrastructure and issue a national payment card Mir .
Effective October 1, 2006, Discover began using all 65 prefixes, not just 650. Also, similar to the MasterCard/Diners agreement, China Union Pay cards are now treated as Discover cards and received on the Discover network.
Although most of the Visa account ranges describe 16 digit card numbers there are still multiple account ranges (forty per December 11, 2013) dedicated to 13 digit PAN and some (439 on December 11, 2013) the range of accounts where publishers can mix 13 and 16 numbers digit card. Visa's VPay brand can determine PAN length from 13 to 19 digits and so more than 16 digit card numbers are now being viewed.
The switch was re-branded as Maestro in mid-2007. In 2011, the English domestic Maestro (formerly Switch) paralleled the standard international Maestro proposition with retention of some of the country's remaining special rules.
EMV certification requires receipt of 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).
Canary Bank card numbering
Bank card numbers issued by Canadian banks also follow the pattern for their system:
Security measure
To reduce the risk of credit card fraud, various techniques are used to prevent the spread of bank card numbers. These include:
- Prescription encryption format: where the account number is replaced with a strongly encrypted version that retains the card's data format including the insensitive portions of the fields like the first six and last four digits. This enables field data protection without changing the payment of IT systems and applications. Common use is to protect card data from secure reader catch points to end-to-end payment processing hosts to reduce the risk of data compromise in systems such as Point of Sale (POS). AES-FF1 Format Security Encryption is defined in the NIST SP800-38G Specification.
- PAN truncation: where only a few digits on the card are displayed or printed on the receipt. The PCI DSS standard states that only the first six digits and the last four digits of PAN can be printed on receipts or displayed in cases other than business needs that require a full PAN. U.S. federal law (FACTA) allows only the last 5 digits display. To comply with PCI DSS and US federal law requirements, generally only the last four digits are provided elsewhere to allow someone to identify the card in use.
- Tokenisation: where the account number (token) is artificially printed, stored, or transmitted in lieu of the actual account number.
References
Source of the article : Wikipedia
0 Comments