发卡行识别码

发卡行识别码（英语：Bank card number或Bank Identification Number，简称BIN），通常是指银行卡卡号前6位、用来表示发卡银行或机构的一套银行卡卡号编码。根据ISO/IEC7812文件的规定，9字头BIN号由一国国内的标准组织分配，不适用于全球通用。

识别码分配

Partial IIN on a credit card (both printed and embossed)

The first six digits of the credit card number (including the initial MII digit) 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. Cards are issued by the issuer through an issuing network. The card number's length is its number of digits. Many credit card issuers print the first four digits of the IIN on their card, just beneath where the number is embossed, as an added security measure.

In the United 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 real-time claims. Each processor has one or more IINs, which it divides into plans by using Group Number and Processor Control Number fields.

The IIN database and membership is managed by the American Bankers Association (ABA) and is updated monthly. The ABA is responsible for allocating IIN ranges to the issuing networks.

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.

发卡机构	IIN区间	使用中	长度	Validation
美国运通	34, 37	Yes	15	Luhn algorithm
Bankcard	5610, 560221-560225	No	16	Luhn algorithm
中国银联	62	Yes	16-19	unknown
大来卡 Carte Blanche	300-305	Yes	14	Luhn algorithm
大来卡 enRoute	2014, 2149	No	15	no validation
大来卡	36	Yes	14	Luhn algorithm
大来卡 北美	54, 55	Yes	16	Luhn algorithm
发现卡	6011, 622126-622925, 644-649, 65	Yes	16	Luhn algorithm
InstaPayment	637-639	Yes	16	Luhn algorithm
JCB	3528-3589	Yes	16	Luhn algorithm
镭射卡	6304, 6706, 6771, 6709	Yes	16-19	Luhn algorithm
Maestro	5018, 5020, 5038, 6304, 6759, 6761, 6762, 6763	Yes	12-19	Luhn algorithm
万事达卡	51-55	Yes	16	Luhn algorithm
Solo	6334, 6767	No	16, 18, 19	Luhn algorithm
Switch	4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759	No	16, 18, 19	Luhn algorithm
Visa	4	Yes	16	Luhn algorithm
Visa Electron	4026, 417500, 4508, 4844, 4913, 4917	Yes	16	Luhn algorithm

On November 8, 2004, MasterCard and Diner's Club formed an alliance. Cards issued in Canada and the United States 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 United States, but are treated as Diner's Club cards elsewhere. Diner's Club International's web site 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 have been processed by Discover Card.

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

若有需更一步了解，可查看发卡行识别码列表。

相关资料

• 图解银联标准卡