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Quora
quora.com › Can-I-find-the-name-of-the-owner-of-a-credit-card-if-I-have-the-last-four-digits
Can I find the name of the owner of a credit card if I have the last four digits? - Quora
Answer (1 of 8): If that’s all you had (i.e. you don’t even know who the issuing bank is) then you absolutely could not - for a few reasons… Since MasterCard “standardized” their Card # format to 16 digits (as had already been true for Visa) years ago, all the major credit cards now issue plates...
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Quora
quora.com › How-do-I-find-out-the-name-etc-from-a-credit-card-number
How to find out the name, etc., from a credit card number - Quora
Answer (1 of 16): The owner's name is printed clearly on the front of the card, usually at the bottom left under the account number. A Cardholder name is the name of an individual that appears on the front of the card, usually at the bottom left.
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Imatts
myaccount.imatts.com › Cardholders.aspx
Card Holder Lookup
To check a card balance and transaction history please enter your card number below, choose the type of card that you are checking, and click the "Check Balance" Button.
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DNS Checker
dnschecker.org › credit-card-validator.php
Credit Card Validator | CC checker
Welcome to our free online Credit Card Checker! Our cc checker tool will tell you if the entered number belongs to a genuine credit card or debit card. It is a very useful tool that you can use to ensure transaction safety before running a card.
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Cubase
help.cubase.org › cubase › PCTGS03-05.htm
Online Credit Holder Inquiry
Online Credit Holder Inquiry · Access this screen while inquiring on a credit cards. This screen can be access by selecting a card and "Card Inquiry" from the Card Maintenance screen. You will also see this screen when ordering a replacement card for a member
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Quora
quora.com › How-can-I-find-out-the-credit-card-owner-from-a-credit-card-number
How to find out the credit card owner from a credit card number
Answer (1 of 16): The owner's name is printed clearly on the front of the card, usually at the bottom left under the account number. A Cardholder name is the name of an individual that appears on the front of the card, usually at the bottom left.
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Privacy.com
privacy.com › blog › how-to-identify-credit-card-and-debit-card-by-number
How To Identify Credit Card and Debit Card by Number
The card digits and the card number order are strategically chosen and placed. They reveal crucial information about the card, the cardholder, and the card issuer. Discover what they mean in the table below: Note that not all credit card numbers follow this exact structure.
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NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › what should i do if i find someone’s credit card?
What Should I Do If I Find Someone’s Credit Card? - NerdWallet
June 1, 2023 - Got some time to spare? Call the number on the back of the card and tell the credit card company that you found it. They’ll contact the card’s owner for you.
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Top answer
1 of 1
5

You're right in that there is no validation of card name when performing authorization. There are other options however.

CV2/CVC/AVS

One simple option is perform a CV2 check (also known as CVV - Card Verification Value, CVC - Card Verification Check, or AVS - Address Verification Service). To do this you would take the numerics from the users address, numerics from the zip code, and the three digits from the back of the bank card (four digits on Amex) and submit them whilst performing authorization.

The payment service provider will respond with a CV2 result that informs you which parts match/dont match. Ie 'ALL MATCH' or 'ADDRESS MATCH ONLY' and so on. You can then use this to decide whether you want to accept the payment, or send a reversal to cancel the authorization.

https://support.stripe.com/questions/what-is-avs

3DSecure/VBV/SecureCode

There are additional identification services developed jointly by Visa/Mastercard which are common in Europe (and I believe now introduced to the US). This shared technology is known as 3D-Secure, but is branded by Visa as 'Verified by Visa', by MasterCard as 'Mastercard SecureCode', by Amex as 'SafeKey' and so on.

This first requires the cardholder to configure a password with their bank. Then at the time of online authorisation, the card holder is redirected from the payment page to the cardholders bank, which displays a custom greeting and (optionally) asks the user to confirm their password.

http://en.wikipedia.org/wiki/3-D_Secure

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Cds-am
cds-am.net › help › WordDocuments › creditcardnumbersearch.htm
Credit Card Number Search
There are four ways to search for credit card transactions: credit card number, credit card (last 4), reference number, or authorization code.
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Bincodes
bincodes.com › creditcard-checker
Validate, Verify & Check Credit Card or Debit Card Number
Free online tools to check, verify & validate Credit Card or Debit Card Number
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Reddit
reddit.com › r/personalfinance › how do i know if a credit cards account owner is myself, my wife, or a joint account?
r/personalfinance on Reddit: How do I know if a credit cards account owner is myself, my wife, or a joint account?
August 10, 2024 -

We've had most of our cards for a very long time. I feel like a couple of them predate when we got married in 2006. But I honestly don't know. And if they do, I don't know who is the original account owner and who was added as an authorized user. I don't know if the newer cards were opened as a joint account. Is there a way to figure this out without calling each card issuer? It's not like I have a ton of them, but I can think of better uses of my time.

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Chase
chase.com › education center › credit cards › credit card basics
How to Find Your Credit Card Account Number | Chase
February 22, 2023 - Your credit card account number is found within your credit card number. Learn which digits make up your account number.
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Discover
discover.com › card smarts › getting a credit card › what is a credit card number?
What is a Credit Card Number? | Discover
June 26, 2025 - Credit card companies don’t assign card numbers randomly. In fact, card numbers follow a complex pattern. These numbers identify the card issuer, the credit card network, the specific card holder’s account, and the unique card.
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FraudLabs Pro
fraudlabspro.com › credit-card-bin-or-iin-lookup
Credit Card BIN or IIN Lookup
FraudLabs Pro utilies various mechanisms to increase the fraud detection accuracy, one of these is the credit card validation. In this demo, you can lookup for credit card issuer information recognized in our engine by using the front 6 or 8 digits BIN (Bank Identification Number) / IIN (Issuer Identification Number).
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Bankrate
bankrate.com › credit cards › advice
What Do The Numbers On Your Credit Card Mean? | Bankrate
May 14, 2025 - Your actual account number may be up to 12 digits long, and it identifies you as the owner of the credit card account. Credit card numbers are assigned by the financial institution issuing the card.
Top answer
1 of 3
63

From the card itself, the Merchant gets the track data, which includes card number, expiration date, and cardholder name.

If the Merchant requires zip code verification, they'll get your zip code, obviously.

(Card-Not-Present Merchants often get address data for billing/shipping purposes, but you asked about physical stores... and they get that from the Customer, not the card itself.)

The Merchant can track purchases made with that card within their store(s), but not those made at other, unconnected stores. Be aware that sometimes multiple stores (e.g. HomeGoods, TJ Maxx) are actually the same "Merchant" (TJX Companies).

The Processor, on the other hand, can correlate a single card's activity across multiple Merchants. They don't generally have transaction details ("what you bought") but they do have amounts, categories, Merchants, times, all of which may be provided to the Card Brands (Visa, Mastercard, ...) upon request, or law enforcement upon a subpoena.

Each processor will have a different view. If Processor A handles Merchants A, B, and C, and Processor B handles merchants D, E, and F, then the Processors will have completely disjoint sets of data to work with. In general most Merchants use a single Processor; some load-balance across multiple Processors for redundancy and availability, but most transactions will only be seen by one Processor.

Processors do a lot of data analysis to provide value-add, but not to the extent of providing individual cardholder details across Merchants. Most such data analysis is done on large, anonymous buckets, but others, like householding, require identifying factors be used in the analysis.

Processors, Card Brands, and Banks can also make loose inferences about what you're buying based on the Merchant Category Code (MCC). These aren't very exact - those salted peanuts from the Exxon station might get classified as "Gas" - but they provide some guidance. These are the codes that Corporate-issued credit cards will use to block non-work transactions.

Finally, cards themselves are informative. Merchants can tell the difference between a prepaid card and a Black Card, and they can treat the cardholder differently in accordance with their status, for example extending discounts to higher-value-card holders. This is true not only in a physical store, where the Merchant sees your card; Processors can provide this sort of metadata to Card-Not-Present Merchants as well.

(The ability to determine the type of card is not unique to Processors; it's based on the BIN (the first 6 digits of the card) and you can look it up with freely available tools like binlist.net. However, since the list changes over time, and since it's only a portion of guidance, this is a service most usefully provided by a Processor. For example, anyone can tell if a card is a Black Card - but as a Merchant you might treat a Black Card with a high chargeback rate differently than the rest. Only the Processor can integrate that guidance.)

2 of 3
14

At the very least, they can get the card number. Most receipts will even have the last few digits of the card number printed on them, but the system will have had the full number at some point, and may well hold a tokenised version of the card number which is allowed under PCI (think of it being a random value which can be linked back to the card number by the tokenising service). Since the same card probably gives the same token each time (technically this is optional, but since it gives more information than the alternative, it's the more common in practice), they can go "this card also bought X, Y and Z on these dates".

They can't usually cross reference that data with other stores though - the token associated with a given card from store A is completely unrelated to that associated with a given card from store B, in a sensibly designed system. I don't know whether any tokenisation providers pool data from multiple clients, but that could be a potential nightmare under GDPR, so I'd assume not, at least in Europe.

The issuing bank can also see purchases being made, obviously, but usually in a per transaction basis, rather than individual items. That doesn't mean they can't make educated guesses about the purchases (e.g. if you make a payment to a business called "99p Donuts" for 99p, it's a pretty safe guess that you bought a donut...),