A bank identification number, or BIN, refers to the initial set of four to six numbers that appear on a credit card. The BIN is key in the process of matching transactions to the issuer of the card because it identifies the issuing bank of the card. In some cases, the BIN may also refer to the first six digits of a debit card number. When used in conjunction with other data, such as the expiration date and cardholder's name, the BIN can help verify that a transaction is being conducted by an authorized user of a particular account.
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