User Info Generator

Credit Card Validator

January 16th, 2016

Validate a credit card number for all of the popular credit card companies using two different popular methods. First is the Luhn Algorithm that gets the proper checksum for the card, the second method is the Bin Number Checker.

Credit Card Attributes

BIN Number Info

The first six digit number on a bank card is know as the Bank Identification Number (BIN) which identifies the location of the bank that issued the card, while the latter portion identifies the specific name of the bank. BINs are traditionally used by online Merchants as a way to detect fraud by matching the geographic area where the cardholder is located to the geographic area identified in the Bank Identification Number. The term Issuer Identification Number (IIN) and Interbank Card Association Number (ICA) also refer to this same collection of numbers.

Luhn's Proof

Interactive example of how we did the validation above using Luhn formula.

As an example since you have not tried to validate a credit card yet we will use 4026610437654773 as the test number to demonstrate how to use Luhn's formula.

4
8
8
0
0
0
2
4
4
6
6
6
6
12 (1+2)
3
1
1
1
0
0
0
4
4
4
3
6
6
7
7
7
6
12 (1+2)
3
5
5
5
4
8
8
7
7
7
7
14 (1+4)
5
x
x
= 67

The check digit (x) is obtained by computing the sum of digits then computing 9 times that value modulo 10 (so that's: (67 * 9 mod 10)). In summary:

  1. Compute the sum of the digits (67).
  2. Multiply by 9 (603).
  3. Take the last digit (3).
  4. The result is your check digit.

Significance of First Digit

The left most digit on the card has a lot more meaning than what you may think. The table below outlines what the number means in the larger scheme of things.

0
ISO/TC 68 and Other Industry Assignments
1
Airlines
2
Airlines and Other Industry Assignments
3
Travel and Entertainment
4
Banking and Financial
5
Banking and Financial
6
Merchandising and Banking
7
Petroleum
8
Telecommunications and Other Industry Assignments
9
National Assignment

Credit Card Break Down by Issuer

Each card company is allotted a set number of prefixes they are allowed to use to generate their card numbers. You can think of these prefixes as being similar to area codes within a phone number. Each area code can tell you the state or province based on the first three digits of a ten digit phone number. The same can be done with the credit card prefix.

American Express
15
CID / 4
34, 37
Diners Club - Carte Blanche
14
CVV / 3
300, 301, 302, 303, 304, 305
Diners Club - International
14
CVV / 3
36, 38
Diners Club - USA & Canada
16
CVV / 3
54
Discover
16
CID / 3
6011, 644, 645, 646, 647, 647, 649, 65
enRoute
15
CVV / 3
2014, 2149
InstaPayment
16
CVV / 3
637, 638, 639
JCB Co Inc (15 digit)
15
CVV / 3
1800, 2100
JCB Co Inc (16 digit)
16
CVV / 3
3088, 3096, 3112, 3158, 3337, 3528
Laser (16 digit)
16
CVV / 3
6304, 6706, 6709, 6771
Laser (17 digit)
17
CVV / 3
6304, 6706, 6709, 6771
Laser (18 digit)
18
CVV / 3
6304, 6706, 6709, 6771
Laser (19 digit)
19
CVV / 3
6304, 6706, 6709, 6771
MasterCard
16
CVC2 / 3
51, 52, 53, 54, 55
Visa (13 digit)
13
CVV2 / 3
4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929
Visa (16 digit)
16
CVV2 / 3
4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929
Visa Electron
16
CVV / 3
4026, 417500, 4508, 4844, 4913, 4917
Voyager
15
CVV / 3
8699

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