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Payment card numbers are composed of 8 to 19 digits, [1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN). [2]: 33 [3] The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit.
The VISA method is used by many card schemes and is not VISA-specific. The VISA method generates a PIN verification value (PVV). Similar to the offset value, it can be stored on the card's track data, or in a database at the card issuer. This is called the reference PVV.
The bank itself doesn’t have a personal identification number but assigns them to a person’s debit card when it is issued to them. Both are necessary in order for users to access their funds.
Visa debit cards are uncommon in Hong Kong. The British banking firm HSBC's subsidiary Hang Seng Bank's Enjoy card and American firm Citibank's ATM Visa are two of the Visa debit cards available in Hong Kong. Debit cards usage in Hong Kong is relatively low, as the credit card penetration rate is high in Hong Kong. In Q1 2017, there are near 20 ...
Card Identification number (CID) ... American Express: Four digits on the front of the card, on the right-hand side above the card number. Mastercard and Visa: Three digits on the back of the card ...
Debit cards can be used for in-store or online purchases wherever the payment processing network indicated by the card’s logo, such as Mastercard or Visa debit card, is accepted.