addressed in Sberbank of Russia for obtaining financial services, the client will certainly faced with a proposal to issue bank cards.And I get her up and carefully studied, curious want to know how many digits of Sberbank on the map and what they mean.
today impossible to imagine the functioning of the global banking system without maps.Plastic cards - an essential attribute of the daily life of almost every citizen.
International payment systems
international payment systems Visa, MasterCard, JCB, American Express, Diners Club operate through non-cash payments across the world.The popularity of the system due to the simplicity, convenience and reliability.Simply put, many clients keep their savings in bank accounts linked to the card.If you want to pay people not to use cash and card, which writes off the amount required to be paid.Sberbank cooperates with two payment systems - a MasterCard and Visa.
Any payment system - an international association of banks.There is a certain set of rules for the functioning of the system and all financial institutions are obliged to obey them.As a member of the payment system, the bank has two functions.First, it has been issuing cards.Second, conducting maintenance.As a rule, the bank combines both of these functions.
bank card
Regardless of how many numbers on the map of the Savings Bank, its presence allows its customers access to a variety of financial services such as:
- payment for goods and services by wire transfer;
- withdrawals;
- obtain various information on the status and conduct of the account;
- transfer to another card or account and so on.
It is important that the use of the holder carries, but the card itself remains the property of the bank.
Cashless calculations are beneficial to all participants, since banks can continue to use client funds that remain in the account.The client always has access to a larger amount than they would otherwise be in possession of cash, in fact, money is protected from theft.Recipients do not need to pay to hire collectors, guards and so on to move and secure the funds as payment amount immediately get on the scoreboard.
Thus, the payment system guarantees that the operations of calculation among all participants in the system.The instrument of the payment system was the bank plastic cards.
What information is contained on the map
Bank Card Savings Bank - an important tool for payment systems.Therefore, in order to standardize the cards issued by the institution have standardized parameters.
financial information is the bearer of any card of Sberbank.What do the numbers on it and other data clearly regulated.With their help it is possible to:
- industry and identify the issuing bank, number, name of the holder;
- determine the requirements of the bank related to service cards;
- authenticate the card and its holder even in the remote mode.
Compulsory card should contain the following details: number, expiration date and code of its service, special data bank can be used for authentication.
standards for plastic cards
Sberbank of Russia emits several kinds of bank cards belonging to the payment systems Visa Classic and MasterCard Standard.Regardless of the cards among themselves differ in functionality, they all necessarily meet international standards in the field of plastic cards.Specifications are given their standard ISO / IEC 7810.
How many numbers on the map
Sberbank Savings Bank - one of the largest banks in Russia.According to the official web-resources of the institutions, the number of its customers exceeds 800 thousand people.And many have at least one plastic cards issued by the bank.Although the type of all the cards are similar, each has its own, different from the other room.Consider the number of digits on the map of Sberbank and what they mean.
first digit identifies the industry of the issuer.In the case of the banking sector this figure can be 4, 5 or 6.
following five digits - is the ID of the issuer.In particular, they can be used to determine which card payment system include:
- 4 determines the membership card to the system Visa;
- in the range from 51 to 55 - MasterCard;
- numbers 34 and 37 - American Express;
- Maestro begins with 6.
remaining digits - the identification number of the customer's account.Sometimes on the map add another figure, the latter serving as a screening.For its determination using a special algorithm Leung.
number of digits in the various maps can be 13 and 16 to 19. The sample of the old maps, there are 13 digits.Most of the cards issued by today has a 16-digit number.Number of 18 digits on the map found in the Savings Bank cards Maestro.Cards with 19-digit number that is likely to have been released as an addition to the main.
Maps
Sberbank of Russia Sberbank of Russia Emitted cards are of two types: debit and credit cards.Many of them are similar in their parameters and the range of services offered.But it is only at first glance.In fact, all the cards differ depending on the purpose assigned to them.
cards Visa Classic and MasterCard Standard are designed for people who often leave the state.Due to the large number of service points, they are very convenient to travel.
Visa Gold and Gold MasterCard is traditional for this type of financial product emphasize the status of the holder.Plus they have a number of privileges and bonuses in comparison with others.
payroll, pensions, scholarships, social benefits using one of the most common card - card "Maestro-Sberbank".How many digits it contains a number, every owner can count.This information is useful when transferring funds between cards to identify the holder in case of appeal to the service center customer support.Check the card number, if it is not at hand, you can call the hotline of the Savings Bank.However, in this case, will have to answer a series of questions (to identify the customer).
Security
Many cardholders believe that keeping a secret PIN, they can protect themselves from the actions of fraudsters.Alas, it is not.Naturally, the PIN should not be reported to outsiders.However, this is not enough.In order to pay for goods on the Internet, it is enough to know how many numbers on the map of the Savings Bank, which is the figure, the expiration date of the card, its security code.With this information, criminals easily calculated other people's money.Therefore, any holder of a plastic credit card should understand that better than safely store all the information that is applied to it.
