, N S I 7832-3 93 0724350 052LôOL 875

I A RJSI/ISO/IEC 7812-1-1993

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for Identification Cards -
Identification of Issuers -
Part 1: Numbering System

-
-A.LIA

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 A N S I 7BL2-L 9 3 W 0724350 0523803 b48

ANSI/ISO/IEC 7812-1-1993
Revision and redesignation of
ANSI/ISO 781 2-1987

American National Standard

for Identification Cards -
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Identification of Issuers -
Part 1: Numbering System

Secretariat
I nf or mat io n Tech noIogy Ind ust ry Cou nci I

Approved June 6, 1995

American National Standards Institute, Inc.

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 A N S I 7812-1 93 0724350 052LB04 5 8 4

Contents
Page
Foreword .................................................................................................
...
III

Introduction ........................................................................................... ..iv

1 Scope .............................................................................................. 1
2 Normative references ....................................................................... 1
3 Definitions ........................................................................................ 1
4 Numbering system ............................................................................ 1
4.1 General ................................................................................... 1
4.2 IIN ........................................................................................... 1
4.3 Individual account identification ................................................ 2
4.4 Check digit .............................................................................. 2
Annexes
A National numbering systems for identification cards .......................... 3
B Luhn formula for computing modulus 1O “double-add-double”
check digit ........................................................................................ 4
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II

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 Foreword (This foreword is not part of American National Standard ANSI/ISO/IEC
7812-1-1993. This document is identical to ISO/IEC 781 2-1-1993 and the
following six paragraphs are the original foreword as it appeared in that
document.)
I S 0 (the International Organization for Standardization) and IEC (the
International Electrotechnical Commission) form the specialized system for
worldwide standardization. National bodies that are members of I S 0 or
IEC participate in the development of International Standards through
technical committees established by the respective organization to deal
with particular fields of technical activity. I S 0 and IEC technical commit-
tees collaborate in fields of mutual interest. Other international organiza-
tions, governmental and non-governmental, in liaison with I S 0 and IEC,
also take part in the work.
In the field of information technology, I S 0 and IEC have established a joint
technical committee, ISOAEC JTC 1. Draft International Standards adopt-
ed by the joint technical committee are circulated to national bodies for
voting. Publication as an International Standard requires approval by at

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least 75% of the national bodies casting a vote.
International Standard ISOAEC 7812-1 was prepared by Joint Technical
Committee ISOAEC JTC 1, Information technology, Subcommittee SC 17,
Identification cards and related devices.
This third edition cancels and replaces the second edition (IS0 7812:
1987), which has been technically revised.
ISOAEC 7812 consists of the following parts, under the general title
Identification cards - Identification of issuers:
- Part 1: Numbering system
- Part 2: Application and registration procedures
Annex B forms an integral part of this part of ISOAEC 7812. Annex A is for
information only.
Requests for interpretation, suggestions for improvement or addenda, or
defect reports are welcome. They should be sent to the X 3 Secretariat,
Information Technology Industry Council, 1250 Eye Street, NW, Suite 200,
Washington, DC 20005.
This standard was processed and approved for submittal to ANSI by
Accredited Standards Committee on Information Technology, X 3 .
Committee approval of the standard does not necessarily imply that all
committee members voted for its approval. At the time it approved this
standard, the X 3 Committee had the following members:

James D. Converse, Chair

Donald C . Loughry, Vice-Chair
Joanne Flanagan, Secretary
Organization Represented Name of Representative
American Nuclear Society .................................................. Geraldine C. Main
Sally Hartzell (Alt.)
AMP, Inc. .......................................................................... Edward Kelly
Charles Brill (Alt.)
Apple Computer, Inc. ......................................................... David K. Michael
AT&T Global Information Systems ..................................... Robert K. Kramer
Thomas F. Frost (Alt.)
Bull HN Information Systems, Inc ....................................... William M. George, Jr.
..*
III

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 A N S I 7812-1 93 = 0724350 0521806 357
Organization Represented Name of Representative
Compaq Computers ........................................................... Mitesh Patel
Digital Equipment Corporation ........................................... Scott K. Jameson
Richard Hovey (Alt.)
Eastman Kodak Company .................................................. James D. Converse
Michael Nier (Alt.)
Hewlett-Packard ................................................................ Donald C. Loughry
Karen Higginbottom (Alt.)
Hitachi America, Ltd. ......................................................... John Neumann
Kei Yamashita (Alt.)
Hughes Aircraft Company .................................................. Harold Zebrack
IBM Corporation ................................................................ Joel Urman
Mary Anne Lawler (Alt.)
institute for Certification of Computer Professionals
(ICCP) ............................................................................ Kenneth Zemrowski
National Communications Systems .................................... Dennis Bodson
Granger Kelley (Alt.)
National Institute of Standards and Technology ..................Michael D. Hogan
James H. Burrows (Alt.)
Neville & Associates .......................................................... Carlton Neville
Northern Telecom, Inc. ...................................................... Mel Woinsky
John Pugh (Alt.)
Recognition Technology Users Association ........................ Herbert P. Schantz
Gerald Farmer (Alt.)
................................................. Gary Ainsworth
David Thewlis (Alt.)
Sony Corporation of America ............................................. Michael Deese
Storage Technology Corporation ........................................ Joseph S. Zajaczkowski
Samuel D. Cheatham (Alt.)
Sun Microsystems, Inc ....................................................... Gary S. Robinson
Sybase, Inc. ...................................................................... Donald R. Deutsch
Texas Instruments, Inc. ..................................................... Clyde Camp
Fritz Whittington (Alt.)
3M Company ..................................................................... Eddie T. Morioka
Paul D. Jahnke (Alt.)
Unisys Corporation ............................................................ John L. Hill
Stephen P. Oksala (Alt.)
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U.S. Department of Defense .............................................. Jerry L. Smith

C. J. Pasquariello (Alt.)
U.S. Department of Energy ................................................ Carol S. Blackston
Bruce R. White (Alt.)
U.S. General Services Administration ................................ Patrick Plunkett
Keith Thurston (Alt.)
Wintergreen Information Services ...................................... Jack L. Wheeler
Xerox Corporation ............................................................. Roy Pierce
William Ted Smith (Alt.)
Introduction
This International Standard is one of a series of standards describing the
parameters for identification cards and the use of such cards for interna-
t ional interchange.

IV

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 AMERICAN NATIONAL STANDARD ANSI/ISO/IEC 7812-1-1 993

American National Standard

for Identification Cards -

Identification of Issuers -
Part 1: Numbering System

1 scope NOTE 1 Equivalen! io Primary Account Number (PAN) as defined fl

IS0 4909.
This part of ISOAEC 7812 specifies a numbering system for
the identification of issuers of identification cards used in 3.4 individual account identification: The number
internationalinterchange. assigned by the card issuing institution for the purpose of
identifyingan individual accourt
2 Normative references
3.5 Interchange: The exchange of (card originatedl
The following standards contain provisions which, through activated) transaction data between two or more different
reference in this text, constitute provisions of ISO/IEC 7812. entities/institutions based on an agreement between the
At the time of publication,the editions indicated were valid. All participants.
standards are subject to revision, and parties to agreements
based on this part of ISO/IEC 7812 are encouraged to 3.6 Issuer Identification Number (IIN): The number that
investigate the possibility of applying the most recent editions identifies the major industry and the card issuer and that
of the standards listed below. Members of IEC and IS0 forms the first part of the identification number.
maintain registers of currently valid InternationalStandards.
3.7 issuer identifier: Together with the Major Industry
IS0 3166:1988, Codes for the representation of names of Identifier the number that identifies the card issuing
countries. institution.
IS0 4909:1987, Bank cards - Magnetic stripe data content for 3.8 Major Industry Identifier (MII): The first digit of the IIN.
track 3. It identifies the major industry of the card issuer.
IS0 7810:1985, identification cards - Physical characteristics.
3.9 Registration Authority: The Registration Authority is
-
IS0 781 1-3:1985, Identification cards Recording technique -
appointed by the IS0 Council and is a qualified and
Part 3: Location of embossed characters on ID- 1cards. internationally responsible organization. The Registration
Authority is responsiblefor assigning IINs and maintaining the
ISOAEC 7812-2:1993, Identification cards - Identification of IS0 register of card issuer identification numbers.
issuers - Part 2: Application and registration procedures.
3.10 Registration Management Group (RMG): A group
IS0 8583:1987, Bank card originated messages - established by ISO/IEC JTClISC17 to act on its behalf in
Interchange message specifications - Contenf for financial managing the administration of the register of card issuer
transactions. identificationnumbers.

International Telegraph and Telephone Consultative 4 Numbering system

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Committee (CCllT) Recommendation E.118, The

internationaltelecommunication charge card. 4.1 General
The identification number on an identification card, (the
3 Definitions maximum length of which is defined in IS0 7811-3), is made
For the purposes of this part of ISO/IEC 7812, the definitions up of two main components. These are:
given in IS0 7810 and the following definitions apply.
a) the IIN (see 4.2); and
3.1 card issuer: Institution (or its agent) that issues the
identificationcard to the cardholder. b) the individual account identification (see 4.3).
(See figure 1 for number format.)
3.2 cardholder: Customer associated with the
identification number.
This International Standard is concerned primarily with the
first of these components, the IIN.
3.3 Identiflcatlon number: The number that identifies the
cardholder and card issuer.
4.2 IIN
All issuer Identification Numbers (IINs) issued in accordance

1
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 A N S I 7812-1 9 3 m 0724150 052L808 12T m
ANSI/ISO/IEC 7812-1-1 993 O ISO/IEC

with this part of ISO/IEC 7812 shall be applied for and presence of, a national system of financial institution
registered as described in ISO/IEC 7812-2. identification. They have no fixed length and do not appear on
the IS0 register of card issuer identification numbers.
The IIN is made up of 2 elements (see figure 1)
49.4 Numbers beglnning with "89"
a) the MI1 (see 4.2.1); and
IINs beginning with "89" are used on cards issued by
b) the issuer identifier (see 4.2.6). telecommunications administrations and recognized private
operating agencies in accordance with CCIll
Applicants whose applications fulfill the criteria for approval Recommendation E.118. These IINs are maintained by the
described in ISO/IEC 7812-2 will be assigned a six digit IIN International Telecommunication Union.
or, in the case of a block assignment, a blodc of 6 digit IINs.
49.5 Major Industry Mentlfler 9 (Mil 9)
4.2.1 MI1
MI1 9 has been assigned to national sîandards bodies for
There are ten singledigit MIIs as follows: national use; it shall be presented as the primary or first digit
followed by the three digit numeric country code as specified
O - for assignment by ISOITC 68 and for other future industry in I S 0 3166.
assignments
1 - airlines NOTE 2 In lhe interest of international conformity, national standards
-
2 airlines and other future industry assignments bodies are advised to assign numbers in accordance with the
recommendations given in annex A.
3 -travel and entertainment
4 - bankingifinancial
5 - bankingifinancial 4.2.6 Issuer identlfier
6 - merchandizing and banking
7 - petroleum The issuer identifier is normally a fixed length five digit
8 -telecommunicationsand other future industry assignments number.
9 - for assignment by national standards bodies
NOTE 3 While hismrk exceptions exist, only six digit Il& are now
New industry assignments shall be approved by the RMG. assigned. In some specific instance Ihe second digit defines the
length of the IIN or indicates a responsibility for h u e of the IIN
The MI1 does not in any way reflect or limit the application in outside of ISO/IEC 7812.
which the card is usable. Single digit Mlls are assigned using
the applicants' description of their main area of business on 4.3 Individual account identification
the application form (see annex A of ISOiIEC 7812-2).
The individual account identification number (see figure 1)
4.22 Numbers beglnnlng with " û 0 shall be assigned by the card issuing institution. It
immediately follows the IIN and is variable in length with a
Ten thousand numbers in the range "00" have been allocated maximum of 12 digits (see IS0 7811-3).
to ISOITC 68 for assignment to institutions other than card
issuers in order to aaxmmodate requirements in IS0 8583. 4.4 Checùdigiî
4.2.3 Numbers beginning with "59" The individual account identification (see 4.3) shall be
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followed by a check digit. This digit shall be calculated on all

IINs beginning with "59" are issued by financial institutions the preceding digits of the identification number (see figure 1)
and not by the Registration Authority under ISO/IEC 7812. and shall be computed according to the Luhn formula for
Numbers prefixed by "59" are used with, and identify the modulus 10 check-digit (see annex B).

ISSUER IDENTIFICATION - - -tI * I CHECK

I+-- . NUMBER I
4 - - INDIVIDUAL ACCOUNT - -
IDENTIFICATION I DIGIT

I MI1 I+- - - ISSUER IDENTIFIER- - I

(fixed length 5 digits) I (variable length, max. I (see 4.4)
4.2.1) I 12 digits, SM IS0 7811-3) I

-
Figure 1 Composition of the identification number on identification cards

2
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 A N S I 7832-3 9 3 m 0724350 0523809 O b 6 =
O ISO/IEC ANSIIISOIIEC 7812-1-1993

Annex A
(informative )

National numbering systems for identification cards

A.l Introduction A4 Operation of national numbering systems

Major Industry Identifier 9, (MI1 9) has been assigned for use National standards M i e s are advised to establish rules by
by national standards bodies in order to establish national means of national standards or other methods for identifying
numbering systems for identification cards. card issuers and individual cardholders (or accounts) in a
national numbering system (see 4.2.5). They are also advisai
A.2 Role of the Registration Management Group to make arrangements for the administration of the system.
(RMG) for application and assignment of issuer identifiers and the
maintenance of a register of assigned IINs (copies of national

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The RMG (see 3.10) acting on behalf of the I S 0 technical standards or other systems should be supplied to Uw
body responsible for this International Standard shall, on secretariat of the RMG [see ISOAEC 7812-21 at no cost). To
request, provide advice and cwnsel to any national this end, national standards bodies may wish to appoint a
standards body on the establishment and operation of a responsible organization to act as their agent in the
national numbering system. administration and maintenance of the system within their
countries.
A.3 Contact with the RMG
NOTE 4 - Where no nalional standards body exists, or if the na-
National standards bodies that intend to set up national standards body is unable to establish a nafional numbering syslem,
numbering systems for identification cards are asked to card issuers m that country may apply to lhe secretariat of the IS0
supply the RMG with details of the national procedures for the tedinical body responsible for ISOiIEC 7812 for &stance.
assignment of numbers,fhe method used to identify issuers,
and the name of the organization administering the system.
The RMG believes that this information may be helpful to
countries that are considering the establishment of a national
numbering system.

3
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 Annex B
(Normative)

Luhn formula for computing modulus 1O "double-add-double" check digit

The following steps are involved In this calculation:

Step 1: Double the value of alternate digits beginning with the first right-hand digit (low order).

Step2: Add the individual digits comprising the prcduas obtained in Step 1 to each of the unaffected digtc in the original
number.

Step 3: Subtra the total obtained in Step 2 from the next higher number ending in O [this is the equivalent of calculating the
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ïens complement" of the b w order digit (unit digit) of the total]. li the total obtained in Step 2 is a number ending in zero
(30,40, etc.), the check digit is O.

Example:

Account number without check dgit 4992 73 9871

seps
4 9 9 2 7 3 9 8 7 1 1
x2 x2 x2 x2 x2

18 4 6 16 2

4 + 1 + 8 + 9 + 4 + 7 + 6 + 9 + 1 + 6 + 7 + 2 = 64 2

70- 64 = 6 3

Account number with check digit 4992 73 9871 6

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