Bank Identification Number (BIN)
Leading payment-card number sequence, formally the Issuer Identification Number, used to identify the card issuer and support transaction routing.
Issuer prefixes, card-account numbers, and token concepts used to route and secure payment-card transactions.
Card and Payment Network Identifiers explains the numbering inside a payment-card credential. The Primary Account Number is the full card-account number used in authorization and routing. Its leading Bank Identification Number, formally the eight-digit Issuer Identification Number, identifies the issuer range.
These identifiers do not authenticate a cardholder or prove a transaction is authorized. Luhn validation checks PAN structure, an IIN lookup supplies issuer-range metadata, issuer authorization evaluates a transaction request, and tokenization substitutes a restricted alternative value for the PAN.
Use masked, truncated, encrypted, or tokenized values according to the current payment and PCI DSS design. Do not expose a full PAN merely to identify the issuer or reconcile a transaction.
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Leading payment-card number sequence, formally the Issuer Identification Number, used to identify the card issuer and support transaction routing.
Payment-card account number containing an issuer identifier, issuer-assigned account identifier, and check digit for authorization and routing.