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Good News! The BIN 344302 you're trying to check is a valid AMERICAN EXPRESS BIN number.
344302 is a valid CREDIT AMERICAN EXPRESS card BIN number issued by , UNITED STATES.
What is American Express Card?
An American Express card, also known as an “Amex” card, is an electronic payment card branded by the publicly traded financial services company American Express (AXP). The company issues and processes different card types such prepaid, charge, and credit cards. American Express cards are available to individuals, small businesses, and corporate consumers across the United States and around the world.
Want more BIN/IIN numbers from UNITED STATES?
To explore more BIN/IIN numbers issued by different banks from UNITED STATES, you can check the samples we selected randomly in the box below, click on any BIN/IIN you want to check its details.
BREAKING DOWN Bank Identification Number - BIN
Bank identification numbers are used by other institutions, such as American Express, as well. The term "issuer identification number" (IIN) is used interchangeably with BIN. The numbering system helps identify identity theft or potential security breaches by comparing data, such as the address of the institution issuing the card and the address of the cardholder.
How It Works
The bank identification number is a numbering system developed by the American National Standards Institute and the International Organization for Standardization (ISO) to identify institutions that issue bank cards. The first digit of the BIN specifies the Major Industry Identifier (MII), such as airline, banking or travel, and the next five digits specify the issuing institution or bank. For example, the MII for a Visa credit card starts with a 4. The BIN helps merchants evaluate and assess their payment card transactions.
The BIN quickly helps a merchant identify which bank the money is being transferred from, the address and phone number of the bank, if the issuing bank is in the same country as the device used to make the transaction, and verifies the address information provided by the customer. The number allows merchants to accept multiple forms of payment and allows faster processing of transactions.
When a customer makes an online purchase, the customer enters her card details on the payment page. After submitting the first four to six digits of the card, the online retailer can detect which institution issued the customer’s card, the card brand (such as Visa or MasterCard), the card level (such as corporate or platinum), the card type (such as a debit card or a credit card), and the issuing bank country.
Authorization
The BIN identifies which issuer receives the authorization request for the transaction to verify if the card or account is valid and whether the purchase amount is available on the card. This process results in the charge being either approved or denied.
For example, a customer stands at a gas pump and swipes her bank card. Once she swipes the card, the system scans the BIN to detect the specific issuing institution that withdraws the funds. An authorization request is put on the customer's account. The request is authorized within a few seconds, and the transaction is approved. The credit card processing system would be unable to determine the origin of the customer's funds and would be unable to complete the transaction without a BIN.
What tools included?
Bin Check offers many free tools such BIN checker, IP/BIN checker, Geolocation, etc. Also, we offer API services that can be integrated easily.
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