Parts of a Debit / Credit Card
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Front Side
Issuing bank logo
EMV chip
The name EMV comes from the initial letters of Europay, MasterCard and VISA, the three companies which originally cooperated to develop the standard. The EMV standard defines the interaction at the physical, electrical, data and application levels between IC cards and IC card processing devices for financial transactions. EMV financial transactions are more secure against fraud than traditional credit card payments which use the data encoded in a magnetic stripe on the back of the card.
Hologram
Card number
The numbers found on credit cards have a certain amount of internal structure, and share a common numbering scheme. Credit card numbers are a special case of ISO 7812 numbers.
Card brand logo
Expiry date
Cardholder's name
Back Side
Magnetic stripe=
There are up to three tracks on magnetic cards used for financial transactions, known as tracks 1, 2, and 3. Track 3 is virtually unused by the major worldwide networks such as VISA, and usually isn't even physically present on the card by virtue of a narrower magnetic stripe. Point-of-sale card readers almost always read track 1, or track 2, and sometimes both, in case one track is unreadable. The minimum cardholder account information needed to complete a transaction is present on both tracks.
Signature strip
Card Security Code(CSC), Card Verification Value or Code (CVV or CVC)
The Card Security Code is a security feature for credit or debit card transactions, giving increased protection against credit card fraud.
There are actually two security codes: T*he first code, called CVC1 or CVV1, is encoded on the magnetic stripe of the card and used for transactions in person.
- The second code, and the most cited, is CVV2 or CVC2. This CSC (also known as a CCID or Credit Card ID) is often asked for by merchants for them to secure "card not present" transactions occurring over the Internet, by mail, fax or over the phone. In many countries in Western Europe, due to increased attempts at card fraud, it is now mandatory to provide this code when the cardholder is not present in person.
This latter CSC should not be confused with the standard card account number appearing in embossed digits. MasterCard, Visa and Discover credit and debit cards have a 3-digit code, called the "CVC2" (card validation code), "CVV2" (card verification value), and "CID" (card identification number), respectively and is always the final group of numbers printed on the back signature panel of the card.
encrypting the card number and expiration date
