Using a bank card is convenient, comfortable and safe enough - most of us have long appreciated these undeniable advantages of "plastic". Nevertheless, such a payment instrument still raises many questions among its users. For example, what is the card identification number that is often requested by various electronic payment systems? Often these symbols are necessary when transferring from one card to another, when paying for online purchases through online stores. What does this combination of numbers actually mean, why is it needed and on what basis is it formed? How safe is it to indicate such data on the Internet, how to protect the indicated information from fraudulent activities?
What does the card identification number mean?
Any "plastic" has its own personal number: it can be either simply printed or extruded (embossed). A digital set of cards is individual and unique, it is assigned when such a plastic tool is issued to the client. Numerical values, of course, are not random, they have certain meanings.
The number, which is called identification, is located on the front side of a bank card, most often it consists of 16 numbers, divided into four groups of four characters each. Old-style cards of 13 values per this moment not used (1 group of 4 digits plus 3 groups of 3 characters). Cards with 18 and 19 digits are also rare, but they do exist - usually as an additional "plastic" to previously issued payment instruments.
The international standard ISO/IEC 7812-1 governs the assignment of plastic bank card numbers and defines their structure as follows:
BBBBBBNNNNNNNNNNL.
What do these symbols mean? The first 6 values (BBBBBB) are the identification number (BIN) of the bank that issued the card. In this case, the first character indicates that the card belongs to a particular payment system. So, for VISA - this is the number 4, for MasterCard -5, for American Express - 3. The next 3 values \u200b\u200bstore the bank number in themselves, they are formed payment system. The fifth and sixth digits of BIN are an additional product identifier, assigned according to the category of the banking product, this value also allows you to determine the bank that issued the card by a number of additional features. Thus, the BIN provides complete and absolutely comprehensive information about the issuing bank.
The principles of encoding the first 6 characters of the card (BIN) certainly exist, but they are carefully protected from unauthorized persons by financial organizations and payment systems. The direct purpose of the BIN is precisely the identification of a particular bank within the card system around the world. This number is often required for internal and external transfers and other transactions, along with other details of the organization.
The values that we have defined as NNNNNNNNNNNN usually consist of 7, 10 or 13 digits, indicating the number directly plastic card. 7 and 8 digits from this set determine the program according to which the card was issued by one or another financial institution. These symbols are already assigned in accordance with the issuing bank's issuing algorithm, out of order. The numbering here is not end-to-end, the possible coincidence of two different cards is almost unrealistic.
Some experts believe that information about the currency of the card, the number of the branch, the reader (chip, magnetic tape, pay pass contactless payment technology) is encrypted in the card number. Again, this cannot be said with certainty, because many banks, for example, issue cards with the possibility of opening several accounts in different currencies.
And finally, L, the last digit in the card number, is a verification number calculated using a special algorithm that confirms the correctness of all other characters.
Payments by card number and their security
To begin with, let's denote that the card number and account number are completely different things. The 20-digit account number is never indicated on a plastic card. So, the account number when reissuing plastic always remains the same. However, if the card is reissued due to loss or theft, then the number of the card itself will be different. Changing the number, however, is not provided for a planned reissue at the end of the plastic validity period. In other words, the card number is the identifier of the plastic carrier of electronic means. If the plastic card number is damaged, it is enough to contact the bank branch. In this case, the release of "plastic" with the same number is possible.
So, often these characters need to be entered when transferring, for example, from card to card. In this case, it is usually required to indicate such additional data as the expiration date of the card (two pairs of numbers, which are indicated under the card number on the front side), the owner's FI. When paying for online purchases via the Internet, it is often required to provide CVC2 or CVV2 codes, which are inherent in cards of MasterCard, VISA, Maestro payment systems. This number is located on the back of the plastic above or below the magnetic line and is a three-digit set of numbers. It happens that 7 numbers are indicated, in this case, for payment, you must specify the last 3 values, since the first 4 digits are a double of the last characters of the card number itself.
It turns out that anyone who has your card in their hands can make a payment or transfer via the Internet, even if this person does not know the pin code? But there are still various fraudulent schemes on the Web. How can you protect yourself from unauthorized spending on a bank card? Here are a few effective ways:
- Activate the SMS notification service for completed transactions on the card. In this case, you will be aware of the ongoing operations on your card and will be able to block it in time.
- When paying for goods and services on the Internet, use only proven resources. Make sure that the transfer channel is secure (a “lock” sign is displayed before the email address line).
- Give preference to plastic with the so-called 3D Secure system.” This service makes it impossible to pay and transfer from a card account without entering one-time passwords, which are sent to the client's mobile phone in the form of SMS. Such codes are generated automatically and are valid for only a few minutes.
The identifier in the Sberbank Online service acts as a login. The login is issued on the check when connecting a mobile bank through an ATM, or reported by a Sberbank employee when connecting the same mobile bank.
How to get a Sberbank ID?
You can get an ID in several ways. The most convenient and fastest is to obtain an identifier using a Sberbank ATM. It is also possible to obtain an identifier from a Sberbank employee, and if you have a smartphone with modern operating systems, such as: iOS, Android, Windows Phone. You can find out your ID using the mobile app!
How to get an ID using a Sberbank ATM?
To get an ID using an ATM, you need a Sberbank card.
How to get an ID in one of the branches of Sberbank?
Contact the nearest Sberbank branch. To connect a mobile bank, you need to have a passport, mobile phone, bank card with you. When connecting, you will be asked to name a tariff plan that is convenient for you, then you will be given a sheet with your data, in which there will be an identifier for entering Sberbank Online.
How to get an ID in the Sberbank mobile app?
To obtain an ID, you need to download the Sberbank mobile app from one of the pre-installed stores on your smartphone. After that, go through a simple registration, when registering, you only need a bank card, more about registering through a mobile application here. An SMS message will receive an identifier, as well as a password for entering Sberbank Online via a PC and other devices.
How to enter Sberbank online using the received ID?
Go to the Sberbank website: online.sberbank.ru. Click "Login", then enter the information received, in the "Login" field, enter the "Identifier" indicated on the check or in SMS. In the password field, enter the previously received password, click "Login", and then confirm your action using the one-time code received in SMS. Now you are in your personal Sberbank account! 
How to restore the Sberbank ID?
You can restore the ID in two ways. Providing the necessary information on hotline, if your identity is verified, you will be given a new ID and password. The second, using the Sberbank website, you need to go through a simple check of your mobile phone, after which you will receive new data via SMS.
How to restore an identifier using the Sberbank hotline?
To restore an identifier via the Sberbank hotline, you need: a bank card, a passport, a code word. Call the hotline: 8-800-555-5550. Explain your problem, then provide the required details, and a code word, if your identity is established, you will be given a new ID and password.
How to recover an identifier using the Sberbank website?
When you enter your personal account on the Sberbank website, click "Forgot your login or password?", A one-time code will be sent to your number, enter it on the website, you will receive a new ID and password via SMS.
How to restore an identifier in a Sberbank branch?
Restoration at a Sberbank branch will require you time and required documents. You, as in the case of recovery via the hotline, will need: a passport, a bank card, and a secret word. Provide the necessary information, get a new statement, which will contain a new ID and password.
The Russians were frightened by the new "divorce" scheme, allegedly from the number of Sberbank. The fraudulent scheme is actively gaining momentum and forcing cardholders to part with their hard-earned money.
The swindlers again "choose" the scheme of the scam using the alleged Sberbank number. Russians receive "packs" of SMS messages from a number similar to the official number of Sberbank - 900. This can be the number 9OO (two letters O instead of zeros), 90-0, 9-00, 900: and other similar options. Seeing a frightening text, not everyone will quickly realize that the number from which the message came only looks like a bank number, but in fact it is not.
The text can be as follows: "Your card is blocked. To unblock, call number number ...". Or this: "A transfer will be made from your bank card to card No. ... in the amount of XXX rubles. To confirm, dial the command .... To refuse: ...". Both teams, of course, will deprive you of a certain amount on your phone account. The message may also contain a call to urgently call the number indicated in the text.
If you call back, a scammer will answer, who appears to be a bank employee - for example, security services or technical support. The cardholder will be asked to provide information or urgently take some action - for example, to unblock the card or cancel the operation, Sberbank warns.
Fraudsters can try to get confidential data under any pretext: full card number, PIN code, CVV, CVC code, card expiration date, or they will ask you to go to an ATM or terminal and enter a code - supposedly to unlock the card or cancel the payment. The scammers use this data to steal money, purchases and transfers from the "victim's" account, Sberbank explains.
Fraudsters also actively use another criminal scheme: a bank client may receive an SMS or an e-mail message with intriguing content. Scammers can report about "winning" a super prize, or congratulate them on the holiday. Such messages often contain a link, after clicking on which the cardholder is promised additional information about the win or a link to download a greeting card. In no case should you follow the link, Sberbank said in a statement. When clicking on the link to a phone or computer, an application with virus software may be downloaded, or the "victim" will go to a trap site where, under various pretexts, scammers will try to obtain personal data: an ID and password for entering the Internet bank, a code word and other information.
It is important to know that bank employees never ask clients to provide confidential information (full card number, PIN and CVC codes, etc.) and do not require active card transactions. Sberbank does not send messages with a form for entering personal data or messages asking you to confirm, update, or provide personal data. And besides, Sberbank never asks you to go to Sberbank Online using a link from a message or email.
The rules for blocking salary cards are established by law No. 167-FZ of June 27, 2018 on blocking accounts legal entities, individual entrepreneurs and employees for transactions that the bank considers suspicious. Blocking is possible for up to two days. He named such operations in an interview with the magazine Simplified Nikolay Potapov, chief specialist of URPA LE PJSC "AK BARS" BANK.
As the expert told the Simplicity magazine, the signs by which banks will be able to block the transfer will be determined by the Central Bank on the basis of statistical data and established banking practice. The expert believes that in many respects these signs will coincide with the criteria that many banks are already using in practice. The new rules apply to both accounts of legal entities and individual entrepreneurs, and salary cards.
“Suppose someone went to the “Client Bank” in another country and is trying to make a payment. In this case, the bank will suspect that the system is being used not by the client himself, but by a third party, and will suspend the transfer. Another example is atypical orders,” the expert said.
The expert gave such an example. For example, a client provides services, but transfers money for the purchase of a large consignment of goods. Also, the attention of the bank will be attracted by payments on weekends and holidays, large transfers for the purchase of real estate, shares and other non-standard transfers.
If the bank saw the transaction without the consent of the client, then it is obliged to block access to the "Client-Bank" system at the same time. The "Client-Bank" system is considered as an electronic means of payment if, when using it, the client draws up, certifies and transmits transfer orders Money(Part 19, Article 3 federal law dated June 27, 2011 No. 161-FZ). And the new law provides for a direct obligation of the bank to suspend access to an electronic means of payment (part 9.1 of article 9 of Law No. 161-FZ in a new edition).
The Bank notifies the client about the blocking of the transaction in the manner that the parties have established in the agreement. As a rule, banks prescribe the postal address, e-mail of the client, as well as the mobile phone number.
Why Sberbank blocks salary cards and accounts in 2019
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