BIN - kuyini? Uyini amakhadi BIN?

Ukuze uthumele imali kusuka akhawunti eyodwa kuya kwenye usebenzisa imininingwane embalwa: inombolo yekhadi, igama umamukeli bese umthumeli, igama ebhange, nokunye. d. Izindaba ezinhle ukuthi akuwona wonke idatha odinga ukukwazi ukuze iningi ukuthengiselana. Ngokwesibonelo, ukuze uthumele imali komunye ikhadi kwenye ngaphakathi ebhange ofanayo kwanele ucacise kuphela inani plastic. Enye into, uma ukuthenga senziwa phakathi credit izikhungo. Khona-ke kumelwe ucacise BIN. Kuyini futhi abheke kuphi, ukufunda kulesi sihloko.

definition

Bank Identification Number (BIN) - lesi esokuqala 9 amadijithi kwekhadi lakho. Isetshenziselwa ukucacisa isikhungo credit ohlelweni lokukhokha kusekelwe imithetho Central Bank. kungatholakala besebenzisa BIN:

• uhlobo yokukhokhelana (ICS);
• ikhadi-elikhiphe yasebhange;
• uthayiphe: lesikweletu noma lasebhange;
• ukubukwa: Maestro, Electron, Classic, Gold, Standard, Platinum.

Yilokho BIN. Abafundi ekuhlonzeni ukucubungula idatha kusuka umugqa magnetic kanye chip. Zisetshenziswa ukuze adlulisele ulwazi lemininingwane lokukhokha, enye yazo BIN. Yini ebaluleke ungase ukuthole izitolo? They zuza ulwazi kusuka ekhadini ukugcina umkhondo ukuthengiselana ngohlobo amathuluzi wokukhokha nezinhlobo zazo, abanikazi. Le ndlela ukufunda kakhulu esheshisa inqubo -information processing, kunciphisa ingozi uma kugqekezwa. Yilokho ikhadi BIN "Oschadbank."

ukuhambisana Imininingwane

Ikhodi Imininingwane ingatholakala emithonjeni yomphakathi. Kodwa kukhona olusha njalo, futhi ngokuvamile ubonisa idatha engalungile. Ngaphezu kwalokho, amabhange ningakholwa BIN zasesiteji ezibalulekile. Ngakho musa ukulandela ngokunemba ukusetshenziswa kwalo. ERussia, kunomehluko omkhulu phakathi debit nama-credit card abekho. Kodwa ngo-US noma EU amazwe, iphesenti ukusebenza kwekhomishana ikhokhelwa umamukeli, ihluke kakhulu. Ngenxa yokuthi ezinye izitolo ukubeka izidingo elawula ngohlobo insimbi yenkokhelo.

sokuqonda BIN

Uyini idijithi kuqala ikhodi? Nanguya uhlobo uhlelo lokukhokha:

• 3 - American Express;
• 4 - I-Visa;
• 5 - MasterCard;
• 6 - Maestro;
• 7 - UEC.

Kodwa lena kuphela theory. Ukuze MasterCard ukuhlonza amakhodi asetshenziswa uhla 50-55. Ngo-Australia naseNew Zealand Bankcard Uhlelo lusebenza kusukela ngo-2006, babebalelwa 5610, 56021-56022. Esinye isibonelo: American Express Japan Credit Bureau for amakhodi labelwe 34, 35 kanye 37. Nakuba yezenhlalakahle ikhadi Maestro, esikhishwe Sberbank eRussia, eziqala 6390, kanye ne-Visa igolide - kusukela 4276.

Izinombolo yesithathu neyesine ukhombise indawo ekulezo isimo. Ukuze Russia, lokhu ngezigaba isifika OKATO. Ikhadi ikhishwe legatsha le Savings Bank yenhloko-dolobha, sizoqukatha ikhodi 45, kanye nekusungulwa Petersburg - 40. amadijithi lesihlanu nelesithupha kufanele wazise inombolo ikhodi iyunithi ikakhulukazi izibalo Central Bank. Kungaba lisukela 00 kuya 99 I lokugcina izinombolo ezintathu Bikeev kuhambisane idatha okuhambisanayo akhawunti umlobeli (liqukethe amadijithi amabili). Isukela 050 kuya 099. Ukuze CSC, okuyinto eyenziwa yi-Bank of Russia, lesi silinganiso kuyinto yefomu "000". Ngokuba ikhanda ukuhlanzwa isikhungo - "001". Ukuze amagatsha Central Bank of the Russian Federation, amayunithi isakhi Bank of Russia -. "002" Yilokho lekhadi BIN.

Kungani konke lokhu kwaziswa umsebenzisi isilinganiso? Asikho isidingo. Ngo iningi izimo. Kodwa uma umuntu ozokhokhela izimpahla ku-inthanethi esitolo noma incwadi amasevisi (ehhotela, amathikithi, indawo yokuhlala kanye nokunye. D.) Iwebhusayithi angaphandle, kungcono wazi kusengaphambili lokho umuntu amakhadi BIN nalapho ukuze uyithole.

Inketho eyodwa: ohlangothini front of the plastic

Kusukela BIN liyingxenye inombolo yekhadi, ungathola ngokubheka into yokukhokha ke. On the front kukhona izinombolo 15-19 ezisetshenziswa ngopende noma extrusion. Lena yinombolo. Kujwayele kuqukethe 16 (4 amabhulokhi kwamadijithi 4), 19 asetshenziswe ezengeziwe amathuluzi wokukhokha ukuthi ikhishwa njengengxenye ye-akhawunti wekhasimende, 15 - ku-American Express. Uyini amakhadi BIN? Lona izinombolo zokuqala 9. Abanye aqukethe ulwazi mayelana uhlobo, lwemali, futhi ngakho ukukhulula esifundeni. D. odlule, nesithupha, inombolo yokuqinisekisa, ikhomba "ngokunemba" we inombolo yekhadi.

Inketho Two: uthintane igatsha ebhange

Ngezinye izikhathi ibalazwe kubonisa hhayi 16 amadijithi, kodwa kuphela lokuqala noma zinyanga ezine. Kulokhu, ukufunda BIN, sicela ufonele i-hotline, ukuze balawule inombolo igama, ikhadi, igama ikhodi. Ingabe ucele ulwazi olufanayo uma uvakashela igatsha lasebhange. Kodwa-ke kufanele ume emgqeni bese isisebenzi ukuhlonza. Uma kusadingeka ephepheni ne-PIN-code noma isivumelwano kumephu, ikhodi ingabukwa khona.

Inketho ezintathu: ngokusebenzisa mobile noma i-Internet yasebhange

Le ndlela kufanelekile kuphela abanikazi of amakhadi Sberbank. On the "Akhawunti Personal" ejensi inthanethi Udinga ukukhetha into yokukhokha, iya esigabeni "Yekuchumana." Kuzoba icaciswe akhawunti siqu kanye nekhodi umnyango (NNN / nn). Ukuze ukwaziswa kwamuva udinga ukopishe bese unamathisela ebhokisini ekhasini ekhaya. Ibalazwe ukuboniswa iyunithi ukusungulwa nge imininingwane egcwele. Ngakho ungakwazi ukuthola BIC ikhadi owamukelayo. Kodwa le ndlela has nezihibe. traffic Inthanethi phesheya ngomakhalekhukhwini kuyoba ezibizayo. Ngakho-ke, ukuze ukuchitha isikhathi ukufuna cafe internet, funda kabanzi mayelana ikhadi BIC kusengaphambili. Ngokwesibonelo ...

nge-ATM

Le ndlela iyatholakala ukuze abanikazi of amakhadi Sberbank. Udinga ukufaka plastic ku ATM "bomdabu", faka i-PIN, iya esigabeni "izinkokhelo zami" - "Yokuxhumana" futhi ukubuka yonke idatha kumephu.

phansi

Omunye imininingwane isetshenziswa ukuze uthumele imali phakathi kwamakhadi, inombolo ebhange. Uyini BIN umamukeli ikhadi? Lona ikhodi enamadijithi ayisishiyagalolunye-ehlonza isikhungo credit elikhiphe plastic insimbi yenkokhelo. Litholakala ekuqaleni inombolo yekhadi. Ukuze imisebenzi ejwayelekile liyadingeka. Kodwa uma ufuna ukukhokhela izimpahla nge-inthanethi, noma uthumele izimali umamukeli kwelinye ibhange, kudingeka wazi kusengaphambili inani BIN. Yini ebaluleke iqukethe le khodi? hlobo lwekhadi, uhlobo indlela yokukhokhelana ezweni, igama ukukhishwa yasebhange isikhungo. Funda ke ngokumemeza hotline noma uthintane igatsha ebhange. Sebenzisa yolwazi olutholakala esidlangalaleni is hhayi Kunconywa, ngoba ulwazi kuzo kuyaqabukela olusha.