What are my hardware choices?
Where should I run the software?
What happens in an EMV transaction?
Do I still have any control of the transaction?
What are Terminal Action Codes?
Do chip cards have BIN ranges?
 

Do chip cards have BIN ranges?

BIN ranges or Bank Identification Number ranges form the first part of the card account number and allow the type of card to be identified. Originally cards starting with a '4' were Visa and '5', MasterCard. Now the system is far more complex, resolving ranges and sub-ranges to MasterCard Streamline Debit or Barlays Connect, etc.

EMV makes no use of BIN numbers. A different concept of using an Application ID (AID) separates the different card types. Certain EMV parameters are set per AID and include floor limits, TACs, etc. Cryptographic keys are also set per AID and form part of the EMV configuration parameter set.

One aspect of the chip card data is that the Card Sequence Numbers, or Issue Numbers, if present, are all 2 digits in length, unlike their magnetic stripe counterparts. In order to access hot card file data from legacy systems, often 1 and 2 digit Issue Numbers are used to form part of the look-up key. To avoid storing two sets of hot card data, some systems integrators are still using BIN ranges simply to access hot card data efficiently. This is seen as a necessary but short term solution as there should be no link between BIN ranges and EMV.

See also:

what are Terminal Action Codes?

 
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