Visa BIN list Visa Credit Cards — Cathay United - IIN 402310

Credit card numbers that start with the Issuer Identification Number (IIN) 402310 are Visa credit cards issued by Cathay United in Taiwan. Note that this is the only IIN range issued by Cathay United, so all cards issued by this provider will be of the format 4023 10XX XXXX XXXX. For more information, call Cathay United at (080) 081-8001.

Cathay United
credit card chip
4023 Valid Thru 08/2020
John Q. Cardholder
Card Scheme Visa
Bank Name Cathay United
Card Type CREDIT
IIN 402310
Card Number 4023 10XX XXXX XXXX
Bank Phone (080) 081-8001
Bank Country Taiwan

Anatomy of a Cathay United Visa Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 4 indicates that this is a Visa card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 402310 indicates that this card was issued by Cathay United in Taiwan.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

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