![]() ![]() The remaining digits are individual account identifiers, the last digit of which is a check digit, obtained from the Luhn algorithm, to prevent accidental input errors. ![]() These identify the institution of the credit card issued. The issuer identification number (also known as the bank identification number (BIN)) is the first six digits of the credit card number. According to Major Industry Identifier, the category corresponding to the first MII Digit 4, 5 is Banking and financial, and 6 is Merchandising and banking / financial, so the first digit for all credit cards is 4, 5 or 6. A valid credit card number contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum. For the technically inclined, this number complies to the ISO 7812 numbering standard. A valid credit card number has several fields and each of them has a meaning. ![]()
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