ISO 7812

ISO 7812

ISO 7812, first published by the International Organization for Standardization (ISO) in 1989, is the international standard governing magnetic stripe identification cards, such as door entry cards, automated teller machine (ATM) cards, and credit cards. The ISO 7812 is available in two parts, ISO 7812-1 and ISO 7812-2. For the full specification including current additions you need both editions. Credit card numbers are in fact ISO 7812 numbers. The maximum length of such a number is 19 digits.

A ISO 7812 contains a single-digit "major industry identifier" (MII), a six-digit "issuer identifier number" (IIN), an "account number", and a single digit checksum. The major industry identifier is considered to be part of the issuer identifier number.

Major industry identifier

The major industry identifier (MII) is the first digit of the ISO 7812 number. It identifies the industry within which the card is to be used.

If the major industry identifier is 9 the next three digits are the numeric-3 country code from ISO 3166-1.

Issuer Identifier Number

The first six digits, including the major industry identifier, compose the "issuer identifier number" (IIN). This identifies the issuing organisation. The American Bankers Association is the registration authority for IINs. The official ISO registry of IINs, the "ISO Register of Card Issuer Identification Numbers", is not available to the general public. It is only available to institutitions which hold IINs, issue plastic cards, or act as a financial network or processor. Institutions in the third category must sign a license agreement before they are given access to the registry. Several IINs are well known, especially those representing credit card issuers.

Donald E. Eastlake wrote a series of Internet Drafts—the final of which was [http://www.watersprings.org/pub/id/draft-eastlake-card-map-08.txt draft-eastlake-card-map-08.txt] ("ISO 7812/7816 Numbers and the Domain Name System (DNS)", issued February 2001, expired August 2001)—proposing the lookup of card issuers automatically based on the IIN using the domain name system. Although the domain name for doing this, reg.int, was registered by the Internet Assigned Numbers Authority (IANA) the proposal foundered due to the opposition of the ISO 7812 and ISO 7816 registration authorities, who were concerned that this proposal would make the ISO IIN registry publicly available.

The secrecy regarding the official ISO registry of IINs is probably motivated by concern for security through obscurity. However many people argue that this—and any attempt at security through obscurity—is pointless for a number of reasons. Knowing the contents of the IIN registry would be of limited help in carrying out fraud. The most common IINs (such as those for credit card companies Visa and MasterCard) are already widely known, and someone seeking to reconstruct the ISO registry could find the most common entries just by asking a large number of people to tell them their card type and the first five digits of their card. Such a publicly-contributed IIN database [http://www.bindatabase.com already exists] ; however, it was recently shut down after complaints from MasterCard International that continued access to the site "could expose MasterCard and its member banks to potential fraudulent and reputational risk" and "promoted identity theft." bindatabase.com hopes to reopen the site.

Account Number

The account number consists of digits seven to second last, a maximum of 12 digits.

Check digit

The final digit is a check digit. This is calculated with the Luhn algorithm.


Wikimedia Foundation. 2010.

Игры ⚽ Поможем сделать НИР

Look at other dictionaries:

  • Iso 216 — Dimensions ISO 216 (mm × mm) Séries A A0 841 × 1189 A1 594 × 841 A2 420 × 594 A3 297 × 420 A4 210 × 297 A5 148 × 210 A6 …   Wikipédia en Français

  • ISO 4217 — (ИСО 4217) Коды для представления валют и фондов Codes for the representation of currencies and funds  (англ.) Codes pour la représentation des monnaies et types de fonds  (фр.) …   Википедия

  • ISO 9000 — ISO 9000  серия международных стандартов, описывающих требования к системе менеджмента качества организаций и предприятий. Серия стандартов ISO 9000 разработана Техническим комитетом 176 (ТК 176) Международной организации по стандартизации.… …   Википедия

  • ISO 3166-1 — ISO 3166 1  часть стандарта ISO 3166, содержащая коды названий стран и подчинённых территорий. Впервые опубликована в 1974 году. Определяет три разных кода для каждой страны: ISO 3166 1 alpha 2 (англ.)русск., двухбуквенная система …   Википедия

  • ISO 3166 — is a standard published by the International Organization for Standardization (ISO). It defines codes for the names of countries, dependent territories, special areas of geographical interest, and their principal subdivisions (e.g., provinces or… …   Wikipedia

  • ISO 8601 — Data elements and interchange formats – Information interchange – Representation of dates and times is an international standard covering the exchange of date and time related data. It was issued by the International Organization for… …   Wikipedia

  • ISO/CEI 8859 — ISO 8859 ISO 8859, également appelée plus formellement ISO/CEI 8859, est une norme commune de l ISO et de la CEI de codage de caractères sur 8 bits pour le traitement informatique du texte. Le standard est divisé en parties numérotées publiées… …   Wikipédia en Français

  • ISO/IEC 8859 — ISO 8859 ISO 8859, également appelée plus formellement ISO/CEI 8859, est une norme commune de l ISO et de la CEI de codage de caractères sur 8 bits pour le traitement informatique du texte. Le standard est divisé en parties numérotées publiées… …   Wikipédia en Français

  • ISO 10646 — ISO/CEI 10646 Unicode Jeux de caractères UCS (ISO/CEI 10646) ISO 646, ASCII ISO 8859 1 WGL4 UniHan Équivalences normalisées NFC (précomposée) NFD (décomposée) NFKC (compatibilité) NFKD (compatibilité) Propriétés et algorithmes ISO 15924 …   Wikipédia en Français

  • ISO 646 — Unicode Jeux de caractères UCS (ISO/CEI 10646) ISO 646, ASCII ISO 8859 1 WGL4 UniHan Équivalences normalisées NFC (précomposée) NFD (décomposée) NFKC (compatibilité) NFKD (compatibilité) Propriétés et algorithmes ISO 15924 …   Wikipédia en Français

Share the article and excerpts

Direct link
Do a right-click on the link above
and select “Copy Link”