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Question:
I was issued a debit bank card , but the bank employee did not explain anything about what information is reflected on the bank card, what the appearance of the card carries. Can I use my bank card information, and in what cases?
Answer: First, let's talk about what a bank card looks like, or rather, what the card's appearance might look like. The bank card has a format defined by the ISO 7810 ID-1 standard: 85.6 mm x 53.98 mm x 0.76 mm, and is mainly made of plastic. The front and back of the card contain different functional information. The general background of the front side of the bank card is approved by the bank according to the plots developed by the designers, and the reverse side always has a monochrome background. In other words, the drawing and color of the card depends on the preferences of the issuing bank, and also takes into account the requirements of the payment system that serves this card.
The background should contribute to the aesthetic perception of the card and the recognition of the bank that issued the card. For certain types of cards, banks offer cardholders to decide on the design themselves, that is, they give the client the right to choose an individual design.
It is more difficult to buy goods at retail outlets using stolen personal cards, especially expensive ones, since sellers have the right to ask for a passport if they have a significant purchase amount or have the slightest doubts.
You can use the first digit of the card number to get information about which payment system the card belongs to and whether it matches the logo. So, the first figures of payment systems that operate in Russia are as follows:
Reverse side of the card
A sketch of the appearance of the reverse side of a bank card with numbering elements looks like this:
The reverse side of the bank card displays information on the following elements:
About the appearance and full information that they contain Russian cards "Mir" can be read
Plastic cards occupy a significant place in the payment system of many industrialized countries. In recent years, various types of plastic cards have also been used in Russia.
Plastic card - is a plate of standard dimensions (85.6 mm, 53.9 mm, 0.76 mm), made of special, resistant to mechanical and thermal influences, plastic. From the above, it can be seen that the main function of a plastic card is to provide identification of the person using it as a subject.
Classification of bank plastic cards
There are many characteristics that can be used to classify plastic cards.
By the material they are made of:
Currently, plastic cards are almost ubiquitous. However, paper (cardboard) cards sealed in transparent film are often used to identify the cardholder. These are laminated cards. Lamination is a fairly cheap and easily accessible procedure, and therefore, if the card is used for payments, then in order to increase security against counterfeiting, a more advanced and complex technology for making plastic cards is used. At the same time, unlike metal, plastic is easily heat-treated and pressed (embossed), which is very important for personalizing the card before issuing it to the client.
For general purposes:
This division is not mutually exclusive. For example, a large company may issue a card to each of its employees, which:
Based on the calculation mechanism:
By the type of calculations performed:
Some authors distinguish a special category of payment cards as a type of credit card. The difference is that the total amount of debt when using a payment card must be repaid in full within a certain time after receiving the statement without the right to extend the loan.
By the category of clientele that the issuer is targeting:
Regular cards are intended for the average customer. Это Visa Classic, Eurocard / MasterCard Mass (Standard).
A silver card (Silver, Business) is called a business card and is intended for individuals and employees of companies who are authorized to spend their company's funds within certain limits.
Visa Business and Eurocard / MasterCard Business
The Gold card is intended for the most affluent rich clients.
Visa Gold and Eurocard / MasterCard Gold
VISA and Europay systems have cards that can only be used at ATMs to receive cash and at electronic terminals: Visa Electron, Cirrus / Maestro. They operate within the limits of the account balance. As a rule, the cardholder is not granted credit for them, and therefore they can be issued to any client, regardless of their security level or credit history.
By type of use:
Cirrus / Maestro and Visa Electron
By belonging to the issuing institution:
By field of use:
By territorial affiliation:
By time of use:
By the method of writing information to the card:
The earliest and simplest form of recording information on a card was and still is a graphic image. It is still used in all cards, including the most technologically sophisticated ones. Initially, only the cardholder's last name and information about the card issuer were entered on the card. Later, a signature sample was provided on universal bank cards, and the surname and first name were embossed (mechanically squeezed out).
Emboss - drawing data on the card in the form of relief signs. This made it much faster to process a card payment operation by making an impression of the slip on it. Information embedded on the card is instantly transferred to the slip. Mechanical pressure is used to transfer information that is embedded on the card. Embossing didn't completely replace the graphic image.
Barcoding - recording information on a card using barcoding was used before the invention of the magnetic stripe and has not been widely used in payment systems. Cards with barcodes similar to those applied to products are quite popular in special card programs that do not require calculations. This is due to the relatively low cost of such cards and reading equipment. At the same time, for better protection, barcodes are covered with a layer that is opaque to the naked eye and read in infrared light.
Magnetic cards have the same appearance as ordinary plastic cards, only on the reverse side of the card there is a magnetic stripe, and a photo of the holder and a sample of his signature are also possible.
See more:
It is clear that the magnetic stripe no longer provides the necessary level of information protection against fraud and forgery. Experts began to look for a more reliable way to record information. It turned out to be a chip (from the English chip-a crystal with an integrated circuit) or a microcircuit. Chip cards are also often referred to as smart cards.
See more:
In 1981, J. Drexler invented the optical card. Optical memory cards have a larger capacity than memory cards, but data can only be written to them once. These cards use WORM technology (single write-multiple read). Recording and reading of information from such a card is performed by special equipment using a laser (hence the other name - laser card). The technology used in cards is similar to that used in laser disks. The main advantage of such cards is the ability to store large amounts of information. Such cards have not yet been distributed in banking technologies due to the high cost of both the cards themselves and the reading equipment.
Banking details and security features of international bank cards
An increasing number of people use payment cards. Not surprisingly, they are easy to use and make life much easier. They allow you to make non-cash payments in stores and on the Internet , withdraw money from an ATM, and also have many useful functions (bonus program, access to discounts, access to online banking). However, do you know how this small piece of plastic works, and what information should be on the front and back of the bank card?
All payment cards, regardless of which bank issues them, must be made of flexible plastic, have the same format and contain certain elements.
Bank card sizes
Standard card sizes were defined in 1985 by ISO (International Organization for Standardization). In accordance with the ISO / IEC 7810 standard, the height of each payment card should be 53.98 mm, width-85.6 mm, and thickness-0.76 mm (this is the so-called ID-1 format). The card must have rounded edges with a radius of 3.18 mm.
Various details shown on the card and the location of certain elements are also subject to standardization. In addition, the ISO standard defines a method for recording data in a magnetic stripe or a microprocessor (chip) embedded in the card.
Obverse – the front side of the bank card
In accordance with ISO standards on the front the following information must be provided to the bank card side:
Name and brand name (logo) of the issuing bank
This data is placed at the top of the card: in the center or in the left corner.
Card number
The card number is located in the central part of the card and is a sequence of 16 digits written in 4 blocks of 4 digits each. Contains information about the cardholder's account, the bank that issued it, and the payment system that the card belongs to.
The first digit indicates the industry affiliation of the financial institution that issued the card.
For example:
Four, five, and six indicate the payment system where the card is used. 4-VISA, 5 – for MasterCard plastic, 6 - for regional payment systems.
The next 5 digits identify the financial institution that issued the card to us.
The first six digits represent the BIN (Bank Identification Number), sometimes referred to as a "prefix".
The next nine digits are the ID of the account number of the customer who is the cardholder.
The last sixteenth digit is the so-called check digit, which is calculated based on the Moon algorithm. It allows you to check the correctness of the entered sequence of digits.
The check digit performs an important function, especially during online transactions. When we enter the card number, our computer uses an algorithm to perform instant calculations and verify the accuracy of the record. An identical operation is performed by the computer receiving the data (i.e., the merchant's computer).
Due to the fact that the check digit is an additional form of protection for online cashless transactions, we are not able to "fake" the card number in such a way that the payment is debited from another person's account.
Important! The card number doesn't match the bank account number.
The most common mistakes made when entering numbers:
Card validity period
The expiration date of the card is indicated by stamping at the bottom, under the card number. The current record format is MM/YY (sometimes preceded by the words VALID THRU). Some banks ' cards may also indicate the initial validity date of the card.
The validity period of payment cards is determined individually by each financial institution. Most often, this period is from one year to 3 years, but there are also longer periods.
You can use the card until the last day of the month when it expires – After this period, the bank issues a new card before the old one expires.
Organization logo and hologram
As a rule, the logo and hologram are located in the lower-right corner of the card (although recently some participants have placed the hologram of the organization that issued the card on the reverse side, rather than on the front side).
A hologram can be a drawing or text that is applied with a laser to a very thin, metallic film and which, depending on the tilt of the card, gives the impression of two - or three-dimensional.
For the first time, the hologram was used by MasterCard, and now it is used by all payment systems. A three-dimensional pigeon is placed on VISA cards, a MasterCard hologram contains the MasterCard inscription and a symbol of connected earths. Holographic cards do not allow you to falsify the card using simple copying methods, so they are an important element of protecting bank cards.
Microprocessor (chip)
It has the shape of a square or rectangle located to the left of the card, under the bank's logo and name. The module is embedded with a special adhesive that reacts chemically with the plastic of the card, making it impossible to remove it without damaging the plastic.
First and last name of the cardholder (optional)
The cardholder's first and last name are placed in the lower-left corner of the card. In the case of business cards, the company name can be placed on the personal card instead of the owner's first and last name.
Designation of the card's validity region
Local (national) card – can only be used on the territory of the country where its publisher is located. The bank then sets up special information on the front side, for example, "Valid only in Russia".
Sometimes cards marked with EUROCARD/MasterCard or VISA may be of the local type, intended only for use in the territory of this country. You can't use local cards abroad, because the bank automatically blocks them when you try to make a payment.
The international card is used for making transactions both in the country where the issuer is located and abroad. It can be used at any point of sale or ATM that displays your card's logo.
Card type
Each payment system provides payment cards designed for different types of customers (gold, prestige, business, etc.). As a rule, these cards differ from the rest in their graphic design. For example, the gold background color is reserved for Gold – type cards, silver-for Silver-level cards. Sometimes, however, the card type is also indicated on the front side as letters.
Additional elements
The following elements can also be placed on the front side of the card:
Reverse – the reverse side of a bank card
The reverse contains much fewer elements. The most important ones are:
Magnetic Stripe
The magnetic stripe measures 12x86 mm and contains an encoded set of data about the cardholder and their account, as well as a personal identification number PIN. It consists of three parallel magnetic strips, the information from which is read through the magnetic head installed in the ATM or terminal.
The first page contains the first and last name of the cardholder and information about the country and bank that issued the card. The second track records the card number, its validity period, and the service code required for proper execution of the transaction. And the third lane is used to store the bank's own information.
The magnetic strip is additionally protected from forgery by micro-printing, as well as elements that are visible only in the rays of ultraviolet radiation.
Signature field
Signature field, i.e. the silicone layer on which the cardholder leaves their signature. The field is also protected by design elements that are invisible to the eye or that can only be seen in ultraviolet light.
In addition, a thin layer of transparent white paint is placed on the field, which forms a substrate for the signature. If you attempt to delete the signature for the purpose of re-applying it, the base will be removed. Then the message "card expired"will appear in this place.
CVC2 / CVV2 code
The three-digit CVC2 / CVV2 code is specified directly in the signature field. It provides security for remote transactions where it is not possible to enter a PIN code. It is indicated on the card and also stored in the bank's information system. It cannot be disclosed to third parties!
MO/TO (English mail order/telephone order/Internet-order) – operations without physical use of the card. They are confirmed by entering the card number and other unique bank card details (owner's name, expiration date, CVC2 or CVV2 code).
Information about the card issuer (bank data)
The reverse side of the card also contains the address details of the card issuer and the phone number that can be used to block the card.
Evolution of payment card manufacturing and functionality
Modern payment cards perform more and more functions and have a more complex design. Currently, most of them have a built-in chip containing memory and a processor that allows you to store a larger amount of data than a magnetic stripe, and guarantees a high level of security during operations performed by the user.
The development of modern information technologies makes it possible to implement innovative solutions, such as a card with a display that allows the user to check the account balance and generate one-time passwords.
Another interesting idea is a card that allows you to use multiple bank accounts (you can select them by clicking a button on the card). Biometric cards with a built-in fingerprint reader and cards that offer a dynamic (time-varying) verification code were also successfully tested.
Time will tell whether new products will be recognized by users. One thing is for sure – multifunctional payment cards can still surprise us with innovative solutions.
Appendix # 1
to the Acquiring Service Agreement
RULES
IDENTIFICATION OF PAYMENT CARDS
PAYMENT CARDHOLDER SERVICES
1. TYPES OF CARDS
1.1. Perform an external inspection of the card to determine its mandatory banking details and security elements.[/B]
_____________________________________________________________________________
1.2 A VISA CARD.
Visa
1.2.1. On the front side of the card are located:
1.2.1.1. In the upper part of the card - the name of the issuer and / or its logo. It can be placed on both the front and back of the card. It is allowed to have only one name of the issuer and / or its logo either on the front or on the back.
1.2.1.2. An embossed or printed card number. The VISA card number always starts with the digit "4"and consists of 16d igits (four groups of four digits). The numbers must be straight and of the same size. The card number must match the number that is displayed on the terminal and printed on the terminal receipt.
1.2.1.3. Immediately below (or possibly above) the first digits of the card number - a typographically printed four-digit bank code (the first four digits of the BIN). The code must match exactly the first four digits of the card number.
1.2.1.4. V ISA logo in the lower-right or one of the upper corners of the card (in the upper-left corner only for cards with a chip). In ultraviolet light, the logo should display the letter V.
1.2.1.5. A hologram with the image of a flying pigeon is displayed on the right side of the card above (or below) the VISA logo. The last four or three digits of the number are either embossed or printed on a hologram. A hologram can be placed on the back of the card, but it must not be present on the front (only 1 hologram is allowed on the card: either on the front side or on the back). On the reverse side of the card, the hologram is smaller than usual on the front side.
1.2.1.6. The card's validity period is stamped or printed under its number. It can include the start and end date of the card's validity period. If the date includes only the month and year, the card is valid until the last day of the specified month. The card must not be accepted for payment before the start date of its validity period.
1.2.1.7. Under the card expiration date, the cardholder's first and last name are embossed or printed (presence is optional). Sometimes the name of the cardholder is indicated under the name of the organization or any other information (for example: "555 R" or "MOTE", etc.).
1.2.1.8. A chip can be placed directly above the first digits of the card number (optional, optional). It can be golden or silver in color, with various shapes and structures.
1.2.2. On the back of the card are located:
1.2.2.1. Magnetic stripe - at the top or bottom of the card. It can be of various colors and heights. Instead of a magnetic stripe, there may be a holographic stripe.
Holographic magnetic stripe - a new option-combining a magnetic stripe with a hologram.
1.2.2.2. Stripe for the holder's signature, which they must put when receiving the card. In ultraviolet light, the words "V ISA" appear on the strip. When you try to change the signature (or damage the signature strip), the words "VOID" appear on the strip. The sample signature strip of the cardholder must contain the card number (or at least the last four digits of the card number) that matches the number printed or printed on the front of the card. It can be of different lengths (in cards where the CHIP is present, it must necessarily be shorter by at least a distance equal to the chip size).
Under (sometimes above) this bar, there may be (optional) the inscriptions "Authorized Signature (signature sample)" and "Not Valid Unless Signed".
1.2.2.3. A three-digit CVV2 code printed on the white field next (to the right) to the stripe for the holder's signature sample or directly on it.
1.2.2.4. Phone number of the customer support service of the Bank that issued the card.
1.3. Visa Electron card.
VISA Electron cards have the same features as standard VISA cards with the exception of a number of features:
1.3.1. All elements on VISA Electron cards are unembossed (non-convex, flat-printed).
1.3.2. V ISA logo with Electron indicator (required). The logo is located in the upper or lower-right corner of the card.
1.3.3. The card number may not be fully printed. At least the last four digits of the card number are allowed. At the same time, the four-digit bank code (the first 4 digits of the card's BIN) must be present on the front side.
1.3.4.
1.3.5. The message ELECTRONIC USE ONLY must be present (the card is used only in electronic terminals). The ELECTRONIC USE ONLY label can also be found on the back of the card.
1.3.6.The full number (or the last four digits of the card number) on the signature strip may not appear on the back of CVV2.
1.4. Custom-designed VISA cards.
VISA and VISA Electron can have a special design.
1.4.1. VISA Mini cards. The VISA card is mini and has a smaller size. It can be hung on keys as a "keychain". Card details can only be accepted by signature (no PIN required). Visa Mini may not have four digits printed under the card number. If the Visa Electron Mini card does not have the full 16 digits of the card number, then the presence of CVV2 on the back is optional.
1.4.2.. Holographic cards
1.4.3. Transparent cards have a standard design, but are made of transparent plastic.
1.5. A MasterCard card.
The front and back sides of a MasterCard card have certain banking details that are mandatory for all cards of this type.
1.5.1. On the front side of the card are located:
1.5.1.1. An embossed card number. The MasterCard card number always starts with the digit "5"and consists of 16 digits (four groups of four digits).
1.5.1.2. Under or above the first embossed digits of the card number are the first four digits of the card BIN, which must (necessarily) coincide with the first four digits of the embossed card number.
1.5.1.3. The MasterCard logo (two intersecting circles in red and yellow with the white MasterCard label printed on their background) is placed in the upper-right or lower-right corner of the card. The logo can also be placed on the back of the card in addition to the logo on the front side.
1.5.1.4. The hologram with the image of two intersecting circles, representing a three-dimensional image of the earth's hemispheres with continents located on them. The background of the hologram consists of a field containing strings of repeated MasterCard words. When you turn from left to right, the continents in the hemispheres and the words MasterCard in the background shift. When the card is rotated from top to bottom, the color of the MasterCard words changes from blue-green to yellow-orange. The outline of the circles is made up of MC symbols, which are visible only when magnified five times. The hologram can be placed either above or below the MasterCard logo. Last four digits of the card number can be embossedon the hologram (except for cards of special design). A hologram can also be placed on the reverse side, but it should not be present on the front (only 1 hologram is allowed on the card).
1.5.1.5. The card's validity period is stamped under the card number. It can include the start and end date of the card's validity period. If the date includes only the month and year, the card is valid until the last day of the specified month. The card must not be accepted for payment before the start date and after the expiration date.
1.5.1.6. First and last name of the cardholder, printed under the card expiration date. The name of the organization or bank can be printed below. Availability is optional, or it may not be present.
1.5.1.7. Ultraviolet elements. In ultraviolet light, the letter “M” is displayed in the lower - left corner of the card, and the letter “S”is displayed in the lower-right corner (near the hologram).
1.5.1.8. A chip can be placed directly above the first digits of the card number. It can be of various colors and structures. Availability is optional.
1.5.2. On the back of the card are located:
1.5.2.1. Magnetic stripe - at the top of the card. All MasterCard cards must have a magnetic stripe on them. It can be any color and height. The magnetic strip may contain an inscription –the name of the Bank that issued the card, or the phone number of the support service of the Bank that issued the card.
Golomagovaya strip. A new option-combining a magnetic stripe with a hologram is called HoloMag. In this case, a special coating is applied to the place where the magnetic stripe is located, combining the magnetic stripe and the hologram. Distinctive features of HoloMag are three-dimensional spheres in 2 alternating colors, the surface of spheres with a certain structure, the point in the background is aligned when the card is rotated, and the MasterCard inscription is clearly visible, the rings around the spheres are made up of microtext "MC", which are visible at 10x magnification, one "MCN" microtext appears at a certain location on the upper left side of the rings, if you turn the card over and look at the hologram, the dot will appear at the top.
There are several possible locations for holograms and / or HoloMag:
The hologram is located on the reverse side of the card.
HoloMag – a magnetic strip made in the form of a hologram (reverse side). However, there may be no hologram on the front side.
HoloMag – a magnetic strip made in the form of a hologram (reverse side) in addition to the hologram on the front side.
1.5.2.2. Under the magnetic stripe - a stripe for the cardholder's signature, which he puts down when receiving the card. The signature panel must contain multiple slanted (at an angle of 45 degrees) "MasterCard" lettering in red, blue, and yellow.
1.5.2.3. There must be an inscription “This card is issued by (Full Issuer Name) pursuant to license by MasterCard International.” It is not necessary if the name of the Bank is indicated on the front side of the card.
1.5.2.4.The "Authorized Signature" label.
1.5.2.5.The "Not Valid Unless Signed" label.
1.5.2.6.Phone number of the Bank's support service that issued the card for cardholders.
1.5.2.7. The card number or the last 4 digits of the card number , which matches the number stamped on the front side of the card, must be printed flat on the strip for the sample signature of the holder (the elements must not be convex).
1.5.2.8.CVC 2. A unique three-digit code. It can be printed on the signature panel, or in a separate white square to the right of the signature bar.
1.5.2.9. On the reverse side of the card, as a rule, it is indicated that the card is the property of the issuer and can only be used by the holder whose name is embossed on the front side of the card.
1.5.3. MasterCard Unembossed.
MasterCard Unembossed cards have the same features as standard MasterCard cards with the exception of a number of features:
1. All elements on MasterCard Unembossed cards are not embossed (not convex). Necessarily.
2. The label "ELECTRONIC USE ONLY "must be present
3. You must always roll the MasterCard Unembossed card at the electronic terminal.
1.6. The Maestro card.
The front and back sides of the Maestro card have certain banking details that are mandatory for all cards of this type.
Any transaction on the Maestro card , regardless of the amount, must be authorized electronically (at a POS terminal), provided that the card's magnetic stripe or chip is read, and the PIN code must be entered.
1.6.1. The Maestro logo (in the form of two intersecting circles in blue and red with the Maestro inscription in white font). The logo can be located either in the lower-right or upper-right corner of the card, or on the back of the card.
1.6.2. On the front side of the card are located:
1.6.2.1. An embossed (embossed) or flat-printed card number. The card number usually starts with 6 (mostly) or 5. The card number can consist of 12-19 digits. Sometimes the bank account number may be printed in place of the card number. On some Maestro cards, the number may be omitted or incomplete.
1.6.2.2. The expiration date of the card , either embossed or flat-printed under the card number. It only includes the month and year. The card is valid until the last day of the specified month. It is optional, so it may not be present on some cards.
1.6.2.3. First and last name of the cardholder, embossed or flat-printed under the card's expiration date. Presence is optional.
1.6.2.4. A chip can be placed directly above the first digits of the card number.
1.6.2.5. The hologram may be missing.
1.6.2.6. The first four digits of the card's BIN may be missing.
1.6.3. On the back of the card are located:
1.6.3.1. Magnetic stripe - at the top of the card.
1.6.3.2. Under the magnetic stripe - nolos for a sample of the holder's signature, which he puts down when receiving the card. The signature strip consists of a white field and can contain an ornament or a security text. The stripe may also contain the last four digits of the card number that match the last 4 digits of the number printed/embossed on the front side. The card number is printed in a special" dented " font with a left tilt. When you try to erase the cardholder's signature, the protective layer of the stripe is erased and the word VOID appears.
1.6.3.3. On the reverse side of the card, as a rule, it is indicated that the card is the property of the issuer and can only be used by the holder whose name is printed on the front side of the card.
1.7. MasterCard Electronic card.
MasterCard Electronic cards have the same features as standard MasterCard cards with the exception of a number of features:
All elements on MasterCard Electronic cards are not embossed (not convex).
The MasterCard Electronic card is specially designed for servicing via an electronic terminal (POS terminal). The card must contain the MasterCard Electronic logo (two intersecting circles in red and yellow with the words: MasterCard white with a blue shadow and Electronic blue.
The message "VALID ONLY WHERE MASTERCARD ELECTRONIC IS ACCEPTED" must be present
1. MasterCard cards of non-standard design.
In addition to the standard design mentioned above, MasterCard, MasterCard Electronic, MasterCard Unembossed cards can have a special design.
1.8.1. MC2 cards have a standard design, with the exception of the "cut-off" lower-right corner.
1.8.2. Holographic cards – the entire surface of the card has a holographic coating. Holographic cards are usually represented by a standard design.
I was issued a debit bank card , but the bank employee did not explain anything about what information is reflected on the bank card, what the appearance of the card carries. Can I use my bank card information, and in what cases?
Answer: First, let's talk about what a bank card looks like, or rather, what the card's appearance might look like. The bank card has a format defined by the ISO 7810 ID-1 standard: 85.6 mm x 53.98 mm x 0.76 mm, and is mainly made of plastic. The front and back of the card contain different functional information. The general background of the front side of the bank card is approved by the bank according to the plots developed by the designers, and the reverse side always has a monochrome background. In other words, the drawing and color of the card depends on the preferences of the issuing bank, and also takes into account the requirements of the payment system that serves this card.
The background should contribute to the aesthetic perception of the card and the recognition of the bank that issued the card. For certain types of cards, banks offer cardholders to decide on the design themselves, that is, they give the client the right to choose an individual design.
It is more difficult to buy goods at retail outlets using stolen personal cards, especially expensive ones, since sellers have the right to ask for a passport if they have a significant purchase amount or have the slightest doubts.
- Card validity period - located below the card number, it indicates the month and the last two digits of the year in digital format-mm/yy (month/year). The card is valid until the last day the month indicated on the card, inclusive. Some cards show both the start date and the end date of the card. After the card expires (date), the card is blocked by the bank, and it is no longer possible to conduct banking operations using it. And since the term of closing the card account does not end with the expiration of the card's validity period, the client, if necessary, can be issued a new card for the next validity period.
Therefore, one month before the expiration date of the card, you must contact the bank to reissue a new card or write an application for closing the card account. - The logo and hologram of the payment system indicates that the system provides services for conducting payment operations on this bank card. Banks work with several payment systems that serve bank cards. The most common systems are the following:
When choosing to make a payment, keep in mind that the name and logo of the payment system on the bank card must correspond to their counterpart on the self-service device or ATM. If there is no such logo on the device, then this self-service device/ATM will not serve your card. - The card number is an individual number of your particular card. For Visa and MasterCard payment systems, the number consists of 16 digits divided into 4 blocks of 4 digits (4-4-4-4). Sometimes the card number can have 18 or 19 digits.
For the American Express payment system, the card number consists of 15 digits, divided into 3 blocks of 4,6 and 5 digits each (4-6-5).
And the Russian national payment system "Mir" card number consists of 16 digits divided into 4 blocks of 4 digits (4-4-4-4).
The card number is the access number to the cardholder's bank account.
The card number is used by the holder when using the "Mobile Bank" or "Online" system.
You can use the first digit of the card number to get information about which payment system the card belongs to and whether it matches the logo. So, the first figures of payment systems that operate in Russia are as follows:
- Mir-2;
- VISA – 4;
- American Express – 3
- MasterCard – 5
- Maestro - 3, 5 or 6
- China UnionPay - 6
- JCB International - 3
- UEC-7.
- - it is located on the front side of the card above the card number (on the right or left) and consists of four digits. The code located here is only found on American Express cards. This is an additional means of identifying the cardholder when making payments, especially on the Internet. For MasterCard and Visa payment systems, the card authentication code is located on the back of the card (see point 10).
- The chip is an additional and highest level of card protection against unauthorized access to the account. The built-in chip is present on the cards in the form of a microprocessor, which functions as a minicomputer. It contains all the information on the card. Cards with a chip are more secure than those with just a magnetic stripe. Therefore, to strengthen protection, banks are increasingly issuing combined cards-with a chip and a magnetic stripe.
- The issuing bank's logo is located at the top of the card in the right or left corners of the card and identifies the card as the property of the specific bank that issued the card. The logo always contains the abbreviated corporate name of the bank. So, for example:
Reverse side of the card
A sketch of the appearance of the reverse side of a bank card with numbering elements looks like this:
The reverse side of the bank card displays information on the following elements:
- Bank name – the name of the bank that the card belongs to must be repeated at the bottom of the card.
- A white paper strip located next to the magnetic strip. It is available only on personalized cards – and is intended for drawing a sample of the cardholder's signature. This is also protection : if you try to forge a signature sample at the time of making payments using a stolen card, you may encounter problems.
The paper strip, in addition to the sample signature of the cardholder, is filled with information that takes into account the elements of the type of payment system and the card authentication code.
So, for example, the bar can be filled with:- diagonal lines with the word VISA in blue and gold colors and a 19-digit number printed in a special font with a left tilt, which includes 16 digits of the card number and 3 digits of the security code
- diagonal lines with the word MasterCard or MS in red, blue/cyan and yellow colors and a 7-digit number in the center of the panel, printed in a special font with a left tilt, which includes the last four digits of the card number and 3 digits of the security code
- Card authentication code (CVV2 and CVC2) – for payment systems, MasterCard or Visa, it consists of three digits, and is located on a white paper strip, next to the place for the holder's signature after the last four digits of the bank card number indicated there. The code is used as an additional means of identifying the cardholder when making payments, especially on the Internet. It is not found on all card categories in these systems.
Card authentication code using MirAccept technology of the MIR payment system-consists of three digits and is located on the back of the card. For example, Sberbank of Russia has a code placed before the words "Thank you from Sberbank". - A magnetic stripe on a card is a magnetic stripe soldered into plastic, which is a carrier of information. Data is written to the card once and it is not overwritten in the future. The record (or encoding) is made on the bank's instructions and includes data about the cardholder, their account number, the bank, and other additional data required by the bank.
The magnetic stripe can be black, dark brown, or any other color.
About the appearance and full information that they contain Russian cards "Mir" can be read
Plastic cards occupy a significant place in the payment system of many industrialized countries. In recent years, various types of plastic cards have also been used in Russia.
Plastic card - is a plate of standard dimensions (85.6 mm, 53.9 mm, 0.76 mm), made of special, resistant to mechanical and thermal influences, plastic. From the above, it can be seen that the main function of a plastic card is to provide identification of the person using it as a subject.
Classification of bank plastic cards
There are many characteristics that can be used to classify plastic cards.
By the material they are made of:
- paper (cardboard)items;
- plastic;
- metal ones.
Currently, plastic cards are almost ubiquitous. However, paper (cardboard) cards sealed in transparent film are often used to identify the cardholder. These are laminated cards. Lamination is a fairly cheap and easily accessible procedure, and therefore, if the card is used for payments, then in order to increase security against counterfeiting, a more advanced and complex technology for making plastic cards is used. At the same time, unlike metal, plastic is easily heat-treated and pressed (embossed), which is very important for personalizing the card before issuing it to the client.
For general purposes:
- identification data;
- information systems;
- for financial transactions.
This division is not mutually exclusive. For example, a large company may issue a card to each of its employees, which:
- it is a pass that allows access to certain areas of the enterprise (identification function);
- on the same card, any important information about the cardholder can be recorded in encoded form- information function;
- in addition, such a card can also be used for calculations in canteens and stores of this company - the calculation function.
Based on the calculation mechanism:
- two-way systems-created on the basis of bilateral agreements between settlement participants, in which cardholders can use them to purchase goods in closed networks controlled by the card issuer (department stores, gas stations, etc.);
- multi-party systems-provide cardholders with the opportunity to buy goods on credit from various merchants and service organizations that recognize these cards as a means of payment. Multilateral systems are led by national bank card associations, as well as companies that issue travel and entertainment cards (for example, American Express).
By the type of calculations performed:
- credit cards that are associated with opening a credit line in a bank, which allows the owner to use the credit when buying goods and when receiving cash loans. The credit card holder opens a special card account and sets a credit limit on the loan account for the entire validity period of the card and a one-time limit for the amount of one purchase. Within the one-time limit, payment for the purchase can be made without authorization;
- debit cards are intended for receiving cash from bank machines or for paying for goods with payment via electronic terminals. The money is debited from the cardholder's bank account. Debit cards do not allow you to pay for purchases if there is no money in the account.
Some authors distinguish a special category of payment cards as a type of credit card. The difference is that the total amount of debt when using a payment card must be repaid in full within a certain time after receiving the statement without the right to extend the loan.
By the category of clientele that the issuer is targeting:
- regular cards;
- silver cards;
- gold cards.
Regular cards are intended for the average customer. Это Visa Classic, Eurocard / MasterCard Mass (Standard).
A silver card (Silver, Business) is called a business card and is intended for individuals and employees of companies who are authorized to spend their company's funds within certain limits.
Visa Business and Eurocard / MasterCard Business
The Gold card is intended for the most affluent rich clients.
Visa Gold and Eurocard / MasterCard Gold
VISA and Europay systems have cards that can only be used at ATMs to receive cash and at electronic terminals: Visa Electron, Cirrus / Maestro. They operate within the limits of the account balance. As a rule, the cardholder is not granted credit for them, and therefore they can be issued to any client, regardless of their security level or credit history.
By type of use:
- an individual card issued to individual bank customers can be either standard or gold;
- family card issued to the family members of the contracting party who is responsible for the account;
- a corporate card is issued to a legal entity, and individual cards can be issued based on this card to selected individuals (managers, chief accountants, or valuable employees). They open personal accounts that are "linked" to the corporate card account. The organization, not individual owners of corporate cards, is responsible to the bank for the corporate account.
Cirrus / Maestro and Visa Electron
By belonging to the issuing institution:
- bank cards issued by a bank or a consortium of banks;
- commercial cards issued by non-financial institutions: commercial firms or a group of commercial firms;
- cards issued by organizations that directly issue plastic cards and create infrastructure for their maintenance.
By field of use:
- universal cards are used to pay for any goods and services;
- private commercial cards are used to pay for a particular service (for example, hotel chains, gas stations, and supermarkets).
By territorial affiliation:
- international organizations operating in most countries;
- national, operating within the borders of any state;
- local, used in a part of the state's territory;
- cards that are valid in one particular institution.
By time of use:
- limited by a certain time interval (sometimes with the right to extend);
- unlimited (indefinite) payments.
By the method of writing information to the card:
- graphic recording;
- embossment;
- barcoding;
- magnetic stripe coding;
- laser recording (optical cards).
The earliest and simplest form of recording information on a card was and still is a graphic image. It is still used in all cards, including the most technologically sophisticated ones. Initially, only the cardholder's last name and information about the card issuer were entered on the card. Later, a signature sample was provided on universal bank cards, and the surname and first name were embossed (mechanically squeezed out).
Emboss - drawing data on the card in the form of relief signs. This made it much faster to process a card payment operation by making an impression of the slip on it. Information embedded on the card is instantly transferred to the slip. Mechanical pressure is used to transfer information that is embedded on the card. Embossing didn't completely replace the graphic image.
Barcoding - recording information on a card using barcoding was used before the invention of the magnetic stripe and has not been widely used in payment systems. Cards with barcodes similar to those applied to products are quite popular in special card programs that do not require calculations. This is due to the relatively low cost of such cards and reading equipment. At the same time, for better protection, barcodes are covered with a layer that is opaque to the naked eye and read in infrared light.
Magnetic cards have the same appearance as ordinary plastic cards, only on the reverse side of the card there is a magnetic stripe, and a photo of the holder and a sample of his signature are also possible.
See more:
It is clear that the magnetic stripe no longer provides the necessary level of information protection against fraud and forgery. Experts began to look for a more reliable way to record information. It turned out to be a chip (from the English chip-a crystal with an integrated circuit) or a microcircuit. Chip cards are also often referred to as smart cards.
See more:
In 1981, J. Drexler invented the optical card. Optical memory cards have a larger capacity than memory cards, but data can only be written to them once. These cards use WORM technology (single write-multiple read). Recording and reading of information from such a card is performed by special equipment using a laser (hence the other name - laser card). The technology used in cards is similar to that used in laser disks. The main advantage of such cards is the ability to store large amounts of information. Such cards have not yet been distributed in banking technologies due to the high cost of both the cards themselves and the reading equipment.
Banking details and security features of international bank cards
| EUROCARD/MasterCard | BANK-MAESTRO | ||||
| Old design | New design | Old design | New design | Old design | New design |
| Front side | |||||
| Payment system logo (logo) | In the upper - right or lower-right corners- a three-color rectangle consisting of horizontal stripes of blue, white, and yellow with the word VISA in blue on the white stripe. Along the perimeter of the logo is a microtext containing the first four digits of the card number and the code of the issuing bank (it can consist of letters and numbers) | EUROPAY INTERNATIONAL:
| In the lower right corner under the hologram is the Maestro logo in the form of two intersecting circles of blue and red colors with the inscription Maestro made in white paint | ||
| The hologram | In the center of the right part of the card is a three-dimensional mirror image of a flying pigeon. When you turn the card from right to left, the pigeon's left wing increases and the right wing drops (the pigeon flaps its wings) | Against the background of horizontal lines containing the word MasterCard, made in microtext, three-dimensional images of the hemispheres of the globe, where when the card is rotated, the grid of parallels and meridians changes to the outlines of continents | Two intersecting flat circles with three-dimensional images of moving continents on the background of horizontal lines containing the word MasterCard. Circle outlines are made with microtext containing repeated MasterCard symbols | Three-dimensional image of the SB RF trademark with the inscription Sberbank of Russia in white on top of it against the background of alternating horizontal lines consisting of the inscriptions Sberbank of Russia and Sberbank | |
| Logo of the issuing bank | in the upper part of the card in the right or left corners the inscription SBERBANK is written in black printing ink | In the upper right corner of the card is the inscription BANK in black printing ink | |||
| Number | It starts with the number 4, is divided into 4 groups, and consists of 16 digits (4-4-4-4) or 13 (4-3-3-3) with the last group of digits on the hologram | It starts with the number 5, is divided into 4 groups, and consists of 16 digits (4-4-4-4) with the last group of digits on the hologram | It consists of 18 digits divided into 2 groups (810 digits) with the last 4 on the hologram | ||
| Data about the expiration date | Emboss the start date and end date of the card's possible use in the month/year or month/day/year format (10/02 or 10/15/02) | Only the expiration date is printed in the month/year format (12/02). | |||
| Information about the bank that issued the card | On VISA (Classic, Cold), Sberbank-Maestro cards, 8 or 9 digits are printed in the format XXXXYYYYY (XXXX - branch number, YYYYY - branch number). This line is missing on VISA Business, Eurocard/MasterCard Business cards. | ||||
| Information about the holder | The first and last names of the cardholder are printed (it is possible to put the names of two persons) in Latin script. Corporate cards can display the organization's name in Latin letters. | The first and last name of the cardholder (IVAN PETROV)are printed. | |||
| Micro-printing | In the logo frame, the first four digits are the card numbers and the code of the issuing bank (consisting of numbers and letters). | On the lower layer of the hologram, the word MasterCard is displayed in horizontal lines eiiii | MC is repeated in the contours of the hologram circles | No | |
| Four-digit number | It is printed with indelible ink in a contrasting color above or below the 1st group of digits of the card number. The printed digits must completely match the 1st group of digits of the issued card number. | It is printed in indelible and contrasting ink under the first digits of the embossedcard number and completely coincides with the first four digits of the card number | No | ||
| Image in the UFL | In the center of the card is an image of a flying pigeon in blue-purple (for SB RF cards) or pink | At the bottom of the card, the letters M and C are displayed: M is in the left corner and C is in the middle of the space between them. | No | ||
| Special characters | After the card expiration date: Emboss the V (flying V) symbol, which has a non-standard format with a slope to the right, with the upper cuts limited to the left side.; Pairs of letters CV, PV, and BV are printed.; C, P, B are printed + V is embossed | After the expiration date of the card, a floating M sign is printed consisting of elements of the letters M and C | No | ||
| Reverse side | |||||
| Panel for a sample cardholder signature | A white stripe filled with diagonal lines with the word VISA in blue (for cards issued by third-party issuing banks). When attempting to forge a signature sample, spaces appear | A white stripe filled with diagonal lines with the word VISA in blue / blue and gold colors and a 19-digit number printed in a special font with a left slope, which includes 16 digits of the card number and 3 digits of the security code. When you try to fake a signature sample, spaces appear. The word void appears in the spaces - invalid | A white stripe filled with diagonal lines with the word MasterCard or MS in red, blue and yellow and a 19-digit number printed in a special font with a left tilt, which includes 16 digits of the card number and 3 digits of the security code. When you try to fake a signature sample, spaces appear. The word void appears in the dialogs-invalid | A white stripe filled with diagonal lines with the word MasterCard or MS in red, blue/cyan and yellow and a 7-digit number in the center of the panel printed in a special font with a left tilt, which includes the last four digits of the card number and 3 digits of the security code. When you try to fake a signature sample, spaces appear. The word void appears in the spaces - invalid | A white stripe filled with repeating zigzag lines and SAFESIG labels. If you attempt to fake a sample of the cardholder's signature, the lines and inscriptions are erased |
| Magnetic Stripe | A black or dark brown magnetic strip soldered into plastic containing information about the cardholder, their account number, bank, and additional electronically encoded data |
An increasing number of people use payment cards. Not surprisingly, they are easy to use and make life much easier. They allow you to make non-cash payments in stores and on the Internet , withdraw money from an ATM, and also have many useful functions (bonus program, access to discounts, access to online banking). However, do you know how this small piece of plastic works, and what information should be on the front and back of the bank card?
All payment cards, regardless of which bank issues them, must be made of flexible plastic, have the same format and contain certain elements.
Bank card sizes
Standard card sizes were defined in 1985 by ISO (International Organization for Standardization). In accordance with the ISO / IEC 7810 standard, the height of each payment card should be 53.98 mm, width-85.6 mm, and thickness-0.76 mm (this is the so-called ID-1 format). The card must have rounded edges with a radius of 3.18 mm.
Various details shown on the card and the location of certain elements are also subject to standardization. In addition, the ISO standard defines a method for recording data in a magnetic stripe or a microprocessor (chip) embedded in the card.
Obverse – the front side of the bank card
In accordance with ISO standards on the front the following information must be provided to the bank card side:
Name and brand name (logo) of the issuing bank
This data is placed at the top of the card: in the center or in the left corner.
Card number
The card number is located in the central part of the card and is a sequence of 16 digits written in 4 blocks of 4 digits each. Contains information about the cardholder's account, the bank that issued it, and the payment system that the card belongs to.
The first digit indicates the industry affiliation of the financial institution that issued the card.
For example:
- 1 and 2 are reserved for airlines
- 3-for T&E club cards
- 4, 5, and 6 – for financial institutions such as bank
- 7-for a network of fuel points of sale
- 8 – for telecommunication networks
Four, five, and six indicate the payment system where the card is used. 4-VISA, 5 – for MasterCard plastic, 6 - for regional payment systems.
The next 5 digits identify the financial institution that issued the card to us.
The first six digits represent the BIN (Bank Identification Number), sometimes referred to as a "prefix".
The next nine digits are the ID of the account number of the customer who is the cardholder.
The last sixteenth digit is the so-called check digit, which is calculated based on the Moon algorithm. It allows you to check the correctness of the entered sequence of digits.
The check digit performs an important function, especially during online transactions. When we enter the card number, our computer uses an algorithm to perform instant calculations and verify the accuracy of the record. An identical operation is performed by the computer receiving the data (i.e., the merchant's computer).
Due to the fact that the check digit is an additional form of protection for online cashless transactions, we are not able to "fake" the card number in such a way that the payment is debited from another person's account.
Important! The card number doesn't match the bank account number.
The most common mistakes made when entering numbers:
- one error: a instead of b (60% -95% of all errors)
- skip or add a digit (from 10% to 20%)
- they swap adjacent numbers – the so-called Czech error (from 10% to 20%)
- twin errors: aa entered as bb (0.5% to 1.5%)
- replacing adjacent digits: acb entered as bca (0.5% to 1.5%)
- twin errors of distant digits: aca as bcb (below 1%)
Card validity period
The expiration date of the card is indicated by stamping at the bottom, under the card number. The current record format is MM/YY (sometimes preceded by the words VALID THRU). Some banks ' cards may also indicate the initial validity date of the card.
The validity period of payment cards is determined individually by each financial institution. Most often, this period is from one year to 3 years, but there are also longer periods.
You can use the card until the last day of the month when it expires – After this period, the bank issues a new card before the old one expires.
Organization logo and hologram
As a rule, the logo and hologram are located in the lower-right corner of the card (although recently some participants have placed the hologram of the organization that issued the card on the reverse side, rather than on the front side).
A hologram can be a drawing or text that is applied with a laser to a very thin, metallic film and which, depending on the tilt of the card, gives the impression of two - or three-dimensional.
For the first time, the hologram was used by MasterCard, and now it is used by all payment systems. A three-dimensional pigeon is placed on VISA cards, a MasterCard hologram contains the MasterCard inscription and a symbol of connected earths. Holographic cards do not allow you to falsify the card using simple copying methods, so they are an important element of protecting bank cards.
Microprocessor (chip)
It has the shape of a square or rectangle located to the left of the card, under the bank's logo and name. The module is embedded with a special adhesive that reacts chemically with the plastic of the card, making it impossible to remove it without damaging the plastic.
First and last name of the cardholder (optional)
The cardholder's first and last name are placed in the lower-left corner of the card. In the case of business cards, the company name can be placed on the personal card instead of the owner's first and last name.
Designation of the card's validity region
Local (national) card – can only be used on the territory of the country where its publisher is located. The bank then sets up special information on the front side, for example, "Valid only in Russia".
Sometimes cards marked with EUROCARD/MasterCard or VISA may be of the local type, intended only for use in the territory of this country. You can't use local cards abroad, because the bank automatically blocks them when you try to make a payment.
The international card is used for making transactions both in the country where the issuer is located and abroad. It can be used at any point of sale or ATM that displays your card's logo.
Card type
Each payment system provides payment cards designed for different types of customers (gold, prestige, business, etc.). As a rule, these cards differ from the rest in their graphic design. For example, the gold background color is reserved for Gold – type cards, silver-for Silver-level cards. Sometimes, however, the card type is also indicated on the front side as letters.
Additional elements
The following elements can also be placed on the front side of the card:
- owner's photo (optional);
- special characters, such as the contactless payment symbol;
- a protective element that is visible only in ultraviolet light.
Reverse – the reverse side of a bank card
The reverse contains much fewer elements. The most important ones are:
Magnetic Stripe
The magnetic stripe measures 12x86 mm and contains an encoded set of data about the cardholder and their account, as well as a personal identification number PIN. It consists of three parallel magnetic strips, the information from which is read through the magnetic head installed in the ATM or terminal.
The first page contains the first and last name of the cardholder and information about the country and bank that issued the card. The second track records the card number, its validity period, and the service code required for proper execution of the transaction. And the third lane is used to store the bank's own information.
The magnetic strip is additionally protected from forgery by micro-printing, as well as elements that are visible only in the rays of ultraviolet radiation.
Signature field
Signature field, i.e. the silicone layer on which the cardholder leaves their signature. The field is also protected by design elements that are invisible to the eye or that can only be seen in ultraviolet light.
In addition, a thin layer of transparent white paint is placed on the field, which forms a substrate for the signature. If you attempt to delete the signature for the purpose of re-applying it, the base will be removed. Then the message "card expired"will appear in this place.
CVC2 / CVV2 code
The three-digit CVC2 / CVV2 code is specified directly in the signature field. It provides security for remote transactions where it is not possible to enter a PIN code. It is indicated on the card and also stored in the bank's information system. It cannot be disclosed to third parties!
- Код CVC2 (Card Verification Code 2) - used to confirm remote MO/TO transactions on MasterCard cards.
- CVV2 (Card Verification Value 2) is a three-digit code that identifies the cardholder of the Visa Electron and Visa Gold cards.
- American Express cards – enter a four-digit code on the front side of the card.
MO/TO (English mail order/telephone order/Internet-order) – operations without physical use of the card. They are confirmed by entering the card number and other unique bank card details (owner's name, expiration date, CVC2 or CVV2 code).
Information about the card issuer (bank data)
The reverse side of the card also contains the address details of the card issuer and the phone number that can be used to block the card.
Evolution of payment card manufacturing and functionality
Modern payment cards perform more and more functions and have a more complex design. Currently, most of them have a built-in chip containing memory and a processor that allows you to store a larger amount of data than a magnetic stripe, and guarantees a high level of security during operations performed by the user.
The development of modern information technologies makes it possible to implement innovative solutions, such as a card with a display that allows the user to check the account balance and generate one-time passwords.
Another interesting idea is a card that allows you to use multiple bank accounts (you can select them by clicking a button on the card). Biometric cards with a built-in fingerprint reader and cards that offer a dynamic (time-varying) verification code were also successfully tested.
Time will tell whether new products will be recognized by users. One thing is for sure – multifunctional payment cards can still surprise us with innovative solutions.
Appendix # 1
to the Acquiring Service Agreement
RULES
IDENTIFICATION OF PAYMENT CARDS
PAYMENT CARDHOLDER SERVICES
1. TYPES OF CARDS
1.1. Perform an external inspection of the card to determine its mandatory banking details and security elements.[/B]
_____________________________________________________________________________
1.2 A VISA CARD.
Visa
1.2.1. On the front side of the card are located:
1.2.1.1. In the upper part of the card - the name of the issuer and / or its logo. It can be placed on both the front and back of the card. It is allowed to have only one name of the issuer and / or its logo either on the front or on the back.
1.2.1.2. An embossed or printed card number. The VISA card number always starts with the digit "4"and consists of 16d igits (four groups of four digits). The numbers must be straight and of the same size. The card number must match the number that is displayed on the terminal and printed on the terminal receipt.
1.2.1.3. Immediately below (or possibly above) the first digits of the card number - a typographically printed four-digit bank code (the first four digits of the BIN). The code must match exactly the first four digits of the card number.
1.2.1.4. V ISA logo in the lower-right or one of the upper corners of the card (in the upper-left corner only for cards with a chip). In ultraviolet light, the logo should display the letter V.
1.2.1.5. A hologram with the image of a flying pigeon is displayed on the right side of the card above (or below) the VISA logo. The last four or three digits of the number are either embossed or printed on a hologram. A hologram can be placed on the back of the card, but it must not be present on the front (only 1 hologram is allowed on the card: either on the front side or on the back). On the reverse side of the card, the hologram is smaller than usual on the front side.
1.2.1.6. The card's validity period is stamped or printed under its number. It can include the start and end date of the card's validity period. If the date includes only the month and year, the card is valid until the last day of the specified month. The card must not be accepted for payment before the start date of its validity period.
1.2.1.7. Under the card expiration date, the cardholder's first and last name are embossed or printed (presence is optional). Sometimes the name of the cardholder is indicated under the name of the organization or any other information (for example: "555 R" or "MOTE", etc.).
1.2.1.8. A chip can be placed directly above the first digits of the card number (optional, optional). It can be golden or silver in color, with various shapes and structures.
1.2.2. On the back of the card are located:
1.2.2.1. Magnetic stripe - at the top or bottom of the card. It can be of various colors and heights. Instead of a magnetic stripe, there may be a holographic stripe.
Holographic magnetic stripe - a new option-combining a magnetic stripe with a hologram.
1.2.2.2. Stripe for the holder's signature, which they must put when receiving the card. In ultraviolet light, the words "V ISA" appear on the strip. When you try to change the signature (or damage the signature strip), the words "VOID" appear on the strip. The sample signature strip of the cardholder must contain the card number (or at least the last four digits of the card number) that matches the number printed or printed on the front of the card. It can be of different lengths (in cards where the CHIP is present, it must necessarily be shorter by at least a distance equal to the chip size).
Under (sometimes above) this bar, there may be (optional) the inscriptions "Authorized Signature (signature sample)" and "Not Valid Unless Signed".
1.2.2.3. A three-digit CVV2 code printed on the white field next (to the right) to the stripe for the holder's signature sample or directly on it.
1.2.2.4. Phone number of the customer support service of the Bank that issued the card.
1.3. Visa Electron card.
VISA Electron cards have the same features as standard VISA cards with the exception of a number of features:
1.3.1. All elements on VISA Electron cards are unembossed (non-convex, flat-printed).
1.3.2. V ISA logo with Electron indicator (required). The logo is located in the upper or lower-right corner of the card.
1.3.3. The card number may not be fully printed. At least the last four digits of the card number are allowed. At the same time, the four-digit bank code (the first 4 digits of the card's BIN) must be present on the front side.
1.3.4.
1.3.5. The message ELECTRONIC USE ONLY must be present (the card is used only in electronic terminals). The ELECTRONIC USE ONLY label can also be found on the back of the card.
1.3.6.The full number (or the last four digits of the card number) on the signature strip may not appear on the back of CVV2.
1.4. Custom-designed VISA cards.
VISA and VISA Electron can have a special design.
1.4.1. VISA Mini cards. The VISA card is mini and has a smaller size. It can be hung on keys as a "keychain". Card details can only be accepted by signature (no PIN required). Visa Mini may not have four digits printed under the card number. If the Visa Electron Mini card does not have the full 16 digits of the card number, then the presence of CVV2 on the back is optional.
1.4.2.. Holographic cards
1.4.3. Transparent cards have a standard design, but are made of transparent plastic.
1.5. A MasterCard card.
The front and back sides of a MasterCard card have certain banking details that are mandatory for all cards of this type.
1.5.1. On the front side of the card are located:
1.5.1.1. An embossed card number. The MasterCard card number always starts with the digit "5"and consists of 16 digits (four groups of four digits).
1.5.1.2. Under or above the first embossed digits of the card number are the first four digits of the card BIN, which must (necessarily) coincide with the first four digits of the embossed card number.
1.5.1.3. The MasterCard logo (two intersecting circles in red and yellow with the white MasterCard label printed on their background) is placed in the upper-right or lower-right corner of the card. The logo can also be placed on the back of the card in addition to the logo on the front side.
1.5.1.4. The hologram with the image of two intersecting circles, representing a three-dimensional image of the earth's hemispheres with continents located on them. The background of the hologram consists of a field containing strings of repeated MasterCard words. When you turn from left to right, the continents in the hemispheres and the words MasterCard in the background shift. When the card is rotated from top to bottom, the color of the MasterCard words changes from blue-green to yellow-orange. The outline of the circles is made up of MC symbols, which are visible only when magnified five times. The hologram can be placed either above or below the MasterCard logo. Last four digits of the card number can be embossedon the hologram (except for cards of special design). A hologram can also be placed on the reverse side, but it should not be present on the front (only 1 hologram is allowed on the card).
1.5.1.5. The card's validity period is stamped under the card number. It can include the start and end date of the card's validity period. If the date includes only the month and year, the card is valid until the last day of the specified month. The card must not be accepted for payment before the start date and after the expiration date.
1.5.1.6. First and last name of the cardholder, printed under the card expiration date. The name of the organization or bank can be printed below. Availability is optional, or it may not be present.
1.5.1.7. Ultraviolet elements. In ultraviolet light, the letter “M” is displayed in the lower - left corner of the card, and the letter “S”is displayed in the lower-right corner (near the hologram).
1.5.1.8. A chip can be placed directly above the first digits of the card number. It can be of various colors and structures. Availability is optional.
1.5.2. On the back of the card are located:
1.5.2.1. Magnetic stripe - at the top of the card. All MasterCard cards must have a magnetic stripe on them. It can be any color and height. The magnetic strip may contain an inscription –the name of the Bank that issued the card, or the phone number of the support service of the Bank that issued the card.
Golomagovaya strip. A new option-combining a magnetic stripe with a hologram is called HoloMag. In this case, a special coating is applied to the place where the magnetic stripe is located, combining the magnetic stripe and the hologram. Distinctive features of HoloMag are three-dimensional spheres in 2 alternating colors, the surface of spheres with a certain structure, the point in the background is aligned when the card is rotated, and the MasterCard inscription is clearly visible, the rings around the spheres are made up of microtext "MC", which are visible at 10x magnification, one "MCN" microtext appears at a certain location on the upper left side of the rings, if you turn the card over and look at the hologram, the dot will appear at the top.
There are several possible locations for holograms and / or HoloMag:
The hologram is located on the reverse side of the card.
HoloMag – a magnetic strip made in the form of a hologram (reverse side). However, there may be no hologram on the front side.
HoloMag – a magnetic strip made in the form of a hologram (reverse side) in addition to the hologram on the front side.
1.5.2.2. Under the magnetic stripe - a stripe for the cardholder's signature, which he puts down when receiving the card. The signature panel must contain multiple slanted (at an angle of 45 degrees) "MasterCard" lettering in red, blue, and yellow.
1.5.2.3. There must be an inscription “This card is issued by (Full Issuer Name) pursuant to license by MasterCard International.” It is not necessary if the name of the Bank is indicated on the front side of the card.
1.5.2.4.The "Authorized Signature" label.
1.5.2.5.The "Not Valid Unless Signed" label.
1.5.2.6.Phone number of the Bank's support service that issued the card for cardholders.
1.5.2.7. The card number or the last 4 digits of the card number , which matches the number stamped on the front side of the card, must be printed flat on the strip for the sample signature of the holder (the elements must not be convex).
1.5.2.8.CVC 2. A unique three-digit code. It can be printed on the signature panel, or in a separate white square to the right of the signature bar.
1.5.2.9. On the reverse side of the card, as a rule, it is indicated that the card is the property of the issuer and can only be used by the holder whose name is embossed on the front side of the card.
1.5.3. MasterCard Unembossed.
MasterCard Unembossed cards have the same features as standard MasterCard cards with the exception of a number of features:
1. All elements on MasterCard Unembossed cards are not embossed (not convex). Necessarily.
2. The label "ELECTRONIC USE ONLY "must be present
3. You must always roll the MasterCard Unembossed card at the electronic terminal.
1.6. The Maestro card.
The front and back sides of the Maestro card have certain banking details that are mandatory for all cards of this type.
Any transaction on the Maestro card , regardless of the amount, must be authorized electronically (at a POS terminal), provided that the card's magnetic stripe or chip is read, and the PIN code must be entered.
1.6.1. The Maestro logo (in the form of two intersecting circles in blue and red with the Maestro inscription in white font). The logo can be located either in the lower-right or upper-right corner of the card, or on the back of the card.
1.6.2. On the front side of the card are located:
1.6.2.1. An embossed (embossed) or flat-printed card number. The card number usually starts with 6 (mostly) or 5. The card number can consist of 12-19 digits. Sometimes the bank account number may be printed in place of the card number. On some Maestro cards, the number may be omitted or incomplete.
1.6.2.2. The expiration date of the card , either embossed or flat-printed under the card number. It only includes the month and year. The card is valid until the last day of the specified month. It is optional, so it may not be present on some cards.
1.6.2.3. First and last name of the cardholder, embossed or flat-printed under the card's expiration date. Presence is optional.
1.6.2.4. A chip can be placed directly above the first digits of the card number.
1.6.2.5. The hologram may be missing.
1.6.2.6. The first four digits of the card's BIN may be missing.
1.6.3. On the back of the card are located:
1.6.3.1. Magnetic stripe - at the top of the card.
1.6.3.2. Under the magnetic stripe - nolos for a sample of the holder's signature, which he puts down when receiving the card. The signature strip consists of a white field and can contain an ornament or a security text. The stripe may also contain the last four digits of the card number that match the last 4 digits of the number printed/embossed on the front side. The card number is printed in a special" dented " font with a left tilt. When you try to erase the cardholder's signature, the protective layer of the stripe is erased and the word VOID appears.
1.6.3.3. On the reverse side of the card, as a rule, it is indicated that the card is the property of the issuer and can only be used by the holder whose name is printed on the front side of the card.
1.7. MasterCard Electronic card.
MasterCard Electronic cards have the same features as standard MasterCard cards with the exception of a number of features:
All elements on MasterCard Electronic cards are not embossed (not convex).
The MasterCard Electronic card is specially designed for servicing via an electronic terminal (POS terminal). The card must contain the MasterCard Electronic logo (two intersecting circles in red and yellow with the words: MasterCard white with a blue shadow and Electronic blue.
The message "VALID ONLY WHERE MASTERCARD ELECTRONIC IS ACCEPTED" must be present
1. MasterCard cards of non-standard design.
In addition to the standard design mentioned above, MasterCard, MasterCard Electronic, MasterCard Unembossed cards can have a special design.
1.8.1. MC2 cards have a standard design, with the exception of the "cut-off" lower-right corner.
1.8.2. Holographic cards – the entire surface of the card has a holographic coating. Holographic cards are usually represented by a standard design.
