Indlela yokunquma ibhange ngenombolo yekhadi: yiziphi izinombolo ezingu-16

Kungenzeka yini ukuthi unqume ibhange elikhishwa ngenombolo yekhadi, lapho ungena khona ngokushesha kulokhu ukuhlonza nokuthi yini enye ongayithola usebenzisa inombolo yekhadi yasebhange - uhlelo olulinganisiwe lwalesi sihloko. Ake siqale "izimfihlo", ezigcwele inombolo.

Ingabe njalo 16?

Ngaphambi kokunquma ukucacisa ukuthi yiliphi ibhange elingelakhadi ngenombolo, umfundi kumele abekelele lokho okulandelayo. Bonke abanikazi bamakhadi bajwayele iqiniso lokuthi ngokuvamile amadijithi ayishumi nesithupha-amaqembu amane emifanekiso. Kodwa-ke, izinkinga zokuqala ziqukethe inombolo yamadijithi angu-13 - iqembu lokuqala labiwe ngezibalo ezine, kanti ezinye zazihlanganisa ezintathu.

Amakhadi akhishwe ngamanani angu-19. Ngokuvamise ukuba ngezinga elithile eliphindaphindiwe lamadijithi angu-16, ngoba ziphuma ngaphakathi kohlaka lwangasese.

Yini "efihlekile" enombolweni yekhadi?

Ngenombolo yekhadi lebhange ukucacisa ibhange - lokhu akuwona umkhawulo wamathuba. Wonke amadijithi angu-16 anolwazi oluthile.

Idijithi yokuqala ibonisa ubulungu ohlelweni lokukhokha lomhlaba othize:

• 4 - "Visa";
• 5 - "Master Card", "Maestro";
• 3 - "I-American Express."

Idijithi yesibili noma yesine yinombolo yesikhungo sesikweletu esakhishwe (ukukhishwa kwamakhadi ebhange) lo mkhiqizo.

Isihlanu-yesithupha yisihlonzi esengeziwe esikhungweni sebhange.

Lezi zimpawu eziyisithupha yi-BIN, echaza indlela yokunquma ukuthi ibhange linani ngenombolo.

I-Seventh-8th - inombolo yenqubo, ngaphakathi kulo mkhiqizo okhishwe kuyo ebhange.

Okwesishiyagalolunye kuya kweshumi nanhlanu yiyona inombolo esheshayo yale khadi.

Idijithali leshumi nantathu linomqondo omkhulu. Yinani lezinombolo zokusebenzisa izibalo ngaphezu kwenombolo yamadijithi ayisikhombisa kusuka esigabeni esandulele. Ngumuphi umshini noma i-algorithm eyenziwa, kwaziwa kuphela ochwepheshe abahileleke ngokuqondile kule sigaba sokukhiqiza.

Iyini i-BIN?

Ngaphambi kokunquma ibhange ngamanani ekhadi, kuyadingeka uzijwayele umqondo we "BIN". Njengoba sekushiwo kakade, lena yizinhlamvu eziyisithupha zokuqala.

I-BIN inombolo yenombolo yebhange elithile (Inombolo Yokukhomba Yebhange). Isetshenziselwa ukunquma ibhange noma enye inhlangano yezikweletu ekucubunguleni, ekuhlanzeni noma ekugunyazweni. Ichaza uhlobo lwenqubo yokukhokha - isevisi yokudluliswa kwemali ye-elektroniki, enesethi yezinto zobuchwepheshe, ze-hardware nezesofthiwe zokudlulisa izimali ukusuka kolunye uhlangothi ukuya kolunye. Izindawo ezidume kunazo zonke yizo zinhlelo zomhlaba jikelele: "Master Card", "American Express", "Visa".

Ifomethi yenombolo ilawulwa yizindinganiso ezikhishwe uMphakathi Wezezimali Wezwe Lomhlaba phakathi kwezinhlangano zebhange (SWIFT) ne-GOST yaseRussia. Noma kunjalo, isimiso lapho ama-BIN asakazwa khona avaliwe ukujwayela abantu abaningi, kufinyeleleka kuphela kumalungu esheshayo kule nqubo yebhange.

Indlela yokunquma ibhange nge-BIN

Ngokuvamile, bazama ukuthola igama lebhange elikhishwayo lapho kwenzeka khona kuphela inombolo yekhadi yomthengisi, futhi ukudlulisela imali kuyo, le mininingwane eyengeziwe yayidingeka. Ngezinye izikhathi kuyadingeka futhi ukuze uthole ukuthi ngabe ibhange elifuywayo noma langaphandle lithatha lo mkhiqizo.

Indlela yokunquma ibhange ngamanani ekhadi? Sesha kusayithi le-injini yokusesha Binlist noma BIN Database bese ufaka izinombolo eziyisithupha zokuqala. Ulwazi luzovela ohlelweni lokukhokha, izwe lapho umkhiqizo wakhishwa khona, ibhange elikhishwayo kanye nolwazi lokuxhumana (isayithi, i-hotline), uhlobo lwekhadi - debit noma credit, nesimo salo - esivamile (ejwayelekile), igolide noma i-platinum.

Ngaphambi kwedatha ye-BIN izokhomba i-BIN, udinga "ukuhlanganisa" umdwebo ongenakunzima ngakwesokunene kwebhokisi lokufakwayo lezinombolo - qiniseka ukuthi awuyena robot. Ngendlela, nakuba zombili izingosi zikhona ngesiNgisi, isikhombimsebenzisi sabo siyaqondakala futhi sitholakalayo kulabo abangakhulumi lolu limi.

I-BIN evamile e-Russian Federation

Indlela yokunquma ibhange ngamanani ekhadi nge-intanethi, sesivele sichithwe. Lokhu kungenziwa futhi ngokusebenzisa leli tafula, lapho izinombolo zokukhomba zamabhange amaningi aziwayo eRussian Federation ziqoqwa.

Zasendulo, igolide ne-platinum

Ngenkathi inqubo yokunquma ibhange ngeenombolo yekhadi, ulwazi mayelana nesimo sekhadi - i-classical, igolide noma i-platinum - kufanele ivele futhi. Kubalulekile ukuqonda lezi zigaba.

Abasebenzisi abaningi bakhetha noma sebevele bathola amabalazwe okuzenzakalelayo. Ukusebenza kwabo kukhulu kakhulu:

• Ukuhlinzekwa ngamazwe ngamazwe - ukukhonza ngaphandle kwezwe okuthiwa isilayidi - ngaphandle kwesicelo kubhange "lomdabu";
• Ikhono lokwenza ukuthengiswa kwezimali kunethiwekhi;
• "I-Hardware" chip - ukuze uthole izinkokhelo ezivikelekile kuma-terminal, nekhodi - yokuthenga nge-Inthanethi;
• Umbiko wamahhala unikezwa ekhadini;
• Kungenzeka ukuphetha uhlelo lokubambisana no-Aeroflot.

Amakhadi egolide ne-platinum, okokuqala, ahluke ngenani lentengo yenkonzo yonyaka. Isibonelo, abanikazi be "Master Card" bangafinyelela kuma-ruble ayizinkulungwane eziyisikhombisa (kwamanye amabhange, noma kunjalo, insizakalo yonyaka yamahhala inikezwa). Kubanikazi be- "Visa" - kusuka ku-1500 rubles ngegolide futhi kuze kube ngu-7000 ruble for platinum. Isevisi "i-Visa Infiniti" ifika kuma-ruble angu-30 000 ngonyaka.

Noma kunjalo, lawa makhadi, ngaphezu kokugcizelela isimo somnikazi, futhi unezinye izinzuzo eziningi, isibonelo, "i-Visa":

• Igolide - ukwesekwa okuphuthumayo uma kwenzeka ukulahlekelwa (ukuvimbela, ukuvuselelwa okuphuthumayo), ukwesekwa kwezomthetho nokwelashwa, amabhonasi ebhonasi okukhokha, uhlelo lwe "concierge" - ukugcinwa kwamatafula mahhala ezindaweni zokudla, ukuthumela izindaba mayelana namalungelo amasha;
• I-Platinum - ngaphezu kwezinzuzo zegolide kunezinhlinzeko zamahhala zokuthi "Ukuvikelwa kokuthenga" kanye "Ukwandiswa kwesiqinisekiso", i-concierge - ukushayela itekisi noma inhlangano yokuqasha imoto;
• Umshuwalense wamahhala we-Infiniti womnikazi nomndeni wakhe ekuhambeni, e-concierge - ukukhethwa kwabasebenzi basekhaya, usizo ngokuthenga, ukuhlelwa komsebenzi wokulungisa.