Validating credit card geek dating 101
If you have a physical store that accepts credit cards, you almost certainly have a merchant solution.
However, not all merchant solutions offer online transactions.
BINs are traditionally used by online Merchants as a way to detect fraud by matching the geographic area where the cardholder is located to the geographic area identified in the Bank Identification Number.
The term Issuer Identification Number (IIN) and Interbank Card Association Number (ICA) also refer to this same collection of numbers.
Ever use one of those new prepaid credit cards for Hulu or Netflix and didn't want to use your real information.
Kindly take note that, the database is accurate but not perfect.
Furthermore, you can even determine a credit card type from a valid number.
Keep in mind, though, that passing these tests is no guarantee that a card isn't stolen or canceled or that it belongs to a different person. The first determines card type, and the second determines whether the card checksum is correct.
If the card passes both tests, the return value is the card type as a string. The first stage is where the big trick comes in, where we determine the card type and confirm the prefix in one quick step. For example, all Visas start with 4 and have 13 or 16 digits, all Master Cards start with 51 through 55 and have 16 digits, and all American Express cards start with 34 or 37 and have 15 digits.
Has a debt collector ever contacted you about a debt that you weren’t sure was yours?