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The numbers found on credit cards and bank cards have a certain amount of internal structure, and share a common numbering scheme. Credit card numbers are a special case of ISO/IEC 7812 bank card numbers.

An ISO/IEC 7812 number contains a single-digit Major Industry Identifier (MII), a six-digit Issuer Identification Number (IIN), an account number, and a single digit check sum calculated using the Luhn algorithm. The MII is considered to be part of the IIN.

The term "Issuer Identification Number" (IIN) replaces the previously used "Bank Identification Number" (BIN). See ISO/IEC 7812 for more information.

Prefixes[edit]

IIN on a credit card (both printed and embossed)

The card number's prefix is the sequence of digits at the beginning of the number that determine the credit card network to which the number belongs. The first 6 digits of the credit card number are known as the Issuer Identification Number (IIN). These identify the institution that issued the card to the card holder. The rest of the number is allocated by the issuer. The card number's length is its number of digits. all credit card are different so it is difficult to give an exact number.

Cards participating in the IIN system include:

In the States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for realtime claims. Each processor has one or more IINs, which it divides into plans by using Group Number and Processor Control Number fields.

Online merchants may use IIN lookups to help validate transactions. For example, if the credit card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

The prefixes and lengths for the most common card types are:

Card Type Prefix(es) Active Length Validation Symbol for coverage chart
united Express 34, 37[1] Yes 15[2] Luhn algorithm AmEx
Bankcard[3] 5610, 560221-560225 No 16 Luhn algorithm BC
China UnionPay 622 (622126-622925) Yes 16-19 unknown CUP
Diners Club Carte Blanche 300-305 Yes[4] 14 Luhn algorithm DC-CB
Diners Club Bold textenRoute 2014, 2149 No 15 no validation DC-eR
Diners Club International[5] 36 nothing 14 Luhn algorithm DC-Int
Diners Club US & Canada[6] 54, 55 no 16 Luhn algorithm DC-UC
Discover Card[7] 6011, 60112-60114, 601174, 601177-601179, 601186-601199, 622126-622925, 644-649, 65 Yes 16 Luhn algorithm Disc
JCB[7] 3528-3589 Yes 16 Luhn algorithm JCB
JCB (obsolete)[citation needed] 1800,2131 No 15 Luhn algorithm JCB
Laser (debit card) [citation needed] 6304, 6706, 6771, 6709 Yes 16-19 Luhn algorithm / unknown? Lasr
Maestro (debit card) 5018,5020,5038,6304,6759,6761 Yes 12-19 Luhn algorithm Maes
MasterCard 51-55 Yes 16 Luhn algorithm MC
Solo (debit card) 6334, 6767 Yes 16,18,19 Luhn algorithm Solo
Switch (debit card) 4903,4905,4911,4936,564182,633110,6333,6759 Yes 16,18,19 Luhn algorithm Swch
Visa 4[1] Yes 13,16[8] Luhn algorithm Visa
Visa Electron 417500,4917,4913,4508,4844 Yes 16 Luhn algorithm Visa

On November 8, 2004, MasterCard and Diner's Club formed an alliance. Cards issued in Canada and the USA start 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 US, but are treated as Diner's Club cards elsewhere. Diner's Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diner's Club cards beginning with 30, 36, 38 or 39 will be processed by Discover Card. "Discover Network - IIN Range Update" (PDF). Retrieved 2009-01-28.

Effective October 1, 2006, Discover will now be using the entire 65 prefix, not just 650. Also, similar to the MasterCard/Diner's agreement, China Union Pay cards are now treated as Discover cards and accepted on the Discover network.

A search on VISA's website results in many references to card numbers being 16 digits long. However, searching for references to 13-digit cards will turn up no results. All 13-digit account numbers have since been migrated to 16-digit account numbers. At least 2 different schemes were devised for this which included postpending 3 digits to the very end of the account number, and, in more rare cases, inserting 3-digits immediately preceding the (former) final 3-digits (of the old 13-digit number).

Switch was rebranded as Maestro in mid 2007. Maestro is now VISA Electron's main competitor in the European debit card market.

Solo can be used outside of Britain if the card displays Maestro.

Coverage chart[edit]

digits 00- 17 1800 1801- 2013 2014 2015- 2130 2131 2132- 2148 2149 215- 299 300- 305 306- 33 34 35 36 37 38 39 4 50 51- 55 560000- 560220 560221- 560225 560226- 5609 622126- 622925 622926- 649 65 66- 9
13 Visa
14 DC-CB DC-Int

… ‘ “ ’ ” ° ″ ′ ≈ ≠ ≤ ≥ ± − × ÷ ← → · §

15 JCB DC-eR JCB DC-eR … ‘ “ ’ ” ° ″ ′ ≈ ≠ ≤ ≥ ± − × ÷ ← → · §

Section linking[edit]

In the HTML code for each section there is an anchor with both "name" and "id" attributes holding the section title. This enables linking directly to sections. These section anchors are automatically used by MediaWiki when it generates a table of contents for the page, and therefore when a section heading in the ToC is clicked, it will jump to the section. Also, the section anchors can be manually linked directly to one section within a page.

The HTML code generated at the beginning of this section, for example, is:

<p><a name="Section_linking" id="Section_linking"></a></p>
<h2>Section linking</h2>

A link to this section (Section linking) looks like this:

[[Help:Section#Section_linking|Section linking]]

To link to a section in the same page you can use [[#section name|displayed text]], and to link to a section in another page [[page name#section name|displayed text]].

The anchors disregard the depth of the section; a link to a subsection or sub-subsection etc. will be [[#subsection name]] and [[#sub-subsection name]] etc.

An underscore and number are appended to duplicate section names. E.g. for three sections named "Example", the names (for section linking) will be "Example", "Example_2" and "Example_3". However, after editing section "Example_2" or "Example_3" (see below), one, confusingly, arrives at section "Example" from the edit summary.

If a section has a blank space as heading, it results in a link in the TOC that does not work. For a similar effect see NS:0.

To create an anchor target without a section heading, you can use a span: <span id="anchor_name"></span> but this won't work with some very old browsers.

Notes:

For linking to an arbitrary position in a page see linking to a page.

Section linking and redirects[edit]

A link that specifies a section of a redirect page corresponds to a link to that section of the target of the redirect.

A redirect to a section of a page may also work in some environments (see bug 218), try e.g. the redirect page Section linking and redirects. (One might have to force reload CSS style sheets.)

A complication is that, unlike renaming a page, renaming a section does not create some kind of redirect.

  • Instead of linking directly to a section, link to a page that redirects to the section; when the name of the section is changed, change the redirect target. This method also provides more or less a "what links here" for sections (look for redirects linking to the page, select the one linking to the section; this may be recognized from the name even if the section name has changed).
  • Put an anchor and link to that
  • Put a comment in the wikitext at the start of a section listing pages that link to the section
  • Make the section a separate page/template and either transclude it into, or just link to it from, its parent page;

Redirect pages can be categorized by adding a category tag after the redirect command. In the case that page links to the section; however, unless an explicit link is put, the section does not link to the category. On the category page redirects are displayed with class redirect-in-category, so they can be shown in e.g. italics; this can be defined in MediaWiki:Common.css. See also Wikipedia:Categorizing redirects.

  1. ^ a b "Card Security Features" (PDF). Retrieved 2006-04-05.
  2. ^ "American Express Fraud Prevention Handbook - Pg 13" (PDF). Retrieved 2006-04-05.
  3. ^ "Bankcard Association of Australia". Retrieved 2006-04-05.
  4. ^ Insert footnote text here
  5. ^ "MasterCard Diner's Club Alliance". Retrieved 2006-04-05.
  6. ^ "Diner's Club - Fraud Management". Retrieved 2007-01-26.
  7. ^ a b "Discover Network - IIN Range Update" (PDF). Retrieved 2008-10-23.
  8. ^ "Cardholder Identification and Authentication". Retrieved 2006-04-05.